Exhibit 99.1 Schedule 2

 

                                                                                         
Exception Grades                                                                                      
Run Date - 8/27/2025 2:23:10 PM                                                                                          
SitusAMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number Loan Exception ID Exception ID Exception Date Excepion Type Exception Category Exception Subcategory 15E Category Exception Exception Detail Exception Information Compensating Factors Compensating Factor Information Applying Party Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade DBRS Initial Exception Rating DBRS Final Exception Rating Fitch Initial Exception Rating Fitch Final Exception Rating Kroll Initial Exception Rating Kroll Final Exception Rating Moody's Initial Exception Rating Moody's Final Exception Rating S&P Initial Exception Rating S&P Final Exception Rating Note Date Property State Occupancy Purpose Exception Remediation Overall
Initial Loan Grade		 Overall
Final Loan Grade		 Credit
Initial Loan Grade		 Credit
Final Loan Grade		 Compliance
Initial Loan Grade		 Compliance
Final Loan Grade		 Property
Initial Loan Grade		 Property
Final Loan Grade		 Originator QM ATR Status TPR QM ATR Status Is Curable
(redacted) 1 (redacted)   32618814     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   KY Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 1 (redacted)   32618815     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 2 A A A A N/A N/A     A A   KY Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 2 (redacted)   32618820     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/20/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 2 (redacted)   32618822     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. [redacted] provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/20/2024 3 D D A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 3 (redacted)   32618849     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 3 D D A A N/A N/A     D D   KS Primary Refinance - Cash-out - Other   D D C A A A D D Non QM Non QM No
(redacted) 3 (redacted)   32618850     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   KS Primary Refinance - Cash-out - Other   D D C A A A D D Non QM Non QM No
(redacted) 3 (redacted)   32618854     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Tax Certificate not provided   Please provide the Tax Certificate or other documentation to verify the property taxes for the subject.       Reviewer Comment (2024-11-25): Tax cert provided, exception cleared.


Buyer Comment (2024-11-25): Please see attached tax cert for the subject property.
 11/25/2024     1 C A C A C A C A C A   KS Primary Refinance - Cash-out - Other   D D C A A A D D Non QM Non QM No
(redacted) 4 (redacted)   32618870     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/20/2024 2 A A A A A A A A A A   NC Primary Refinance - Cash-out - Other   B B B B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 4 (redacted)   32618871     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/20/2024 2 A A A A N/A N/A     A A   NC Primary Refinance - Cash-out - Other   B B B B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 4 (redacted)   32618872     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but [redacted] declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]
 .		 SitusAMC,Originator,Aggregator Reviewer Comment (2024-11-20): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines.  Client elects to waive with compensating factors.
     11/20/2024 2 B B B B B B B B B B   NC Primary Refinance - Cash-out - Other   B B B B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 5 (redacted)   32618965     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   OH Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 5 (redacted)   32618966     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided [redacted] and/or [redacted]provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 2 A A A A N/A N/A     A A   OH Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 6 (redacted)   32619028     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/20/2024 2 A A A A A A A A A A   TX Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 7 (redacted)   32619031     Compliance Compliance State Compliance Compliance [redacted]Day [redacted]has been discontinued effective [redacted].  Average Prime Offer Rate ([redacted]) used in lieu of [redacted] effective [redacted], pursuant to [redacted] [redacted] guidance.           Reviewer Comment (2024-11-20): Seller acknowledges the exception. This exception is for informational purposes only and does not impact grading.
     11/20/2024 1 A A A A A A A A A A   NC Primary Refinance - Cash-out - Other   C B C B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 7 (redacted)   32619033     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster:[redacted] SitusAMC,Originator,Aggregator Reviewer Comment (2024-11-21): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines.  Client elects to waive with compensating factors.


Buyer Comment (2024-11-21): Please see attached, Disaster inspection confirming no damage. Our policy is to get a [redacted] after the start date. An end date is not needed. Please review.
     11/21/2024 2 C B C B C B C B C B   NC Primary Refinance - Cash-out - Other   C B C B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 7 (redacted)   32619034     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/20/2024 2 A A A A A A A A A A   NC Primary Refinance - Cash-out - Other   C B C B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 8 (redacted)   32619221     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/20/2024 2 A A A A N/A N/A     A A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 8 (redacted)   32619222     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/20/2024 2 A A A A A A A A A A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 9 (redacted)   32619239     Compliance Compliance State Compliance State HPML (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) [redacted]Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.         Buyer Comment (2024-11-21): Seller acknowledges exception, no change to grading.
     11/21/2024 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 9 (redacted)   32619240     Compliance Compliance State Compliance State HPML [redacted]HPML Threshold Test Non-Compliant [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Loan.         Buyer Comment (2024-11-21): Seller acknowledges exception, no change to grading.
     11/21/2024 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 9 (redacted)   32619241     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/20/2024 2 A A A A A A A A A A   MD Primary Refinance - Cash-out - Other   B B A A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 10 (redacted)   32619268     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   NM Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 11 (redacted)   32619302     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   NJ Primary Refinance - Cash-out - Other   C B A A C B A A Non QM Non QM No
(redacted) 11 (redacted)   32619303     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 2 A A A A N/A N/A     A A   NJ Primary Refinance - Cash-out - Other   C B A A C B A A Non QM Non QM No
(redacted) 11 (redacted)   32619304     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) Truth in Lending Act: Notice of [redacted] was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used.         Reviewer Comment (2024-12-04): [redacted], proof of delivery ([redacted]), and LOE to the borrower provided. New rescission period has passed, exception cured.


Buyer Comment (2024-12-02): Please see attached and note that we baked in an extra day for Thanksgiving
   12/04/2024   2 C B C B C B C B C B   NJ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A Non QM Non QM Yes
(redacted) 12 (redacted)   32619325     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 12 (redacted)   32619326     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 2 A A A A N/A N/A     A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 13 (redacted)   32619413     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 3 D D A A N/A N/A     D D   IL Primary Refinance - Cash-out - Other   D D A A A A D D Non QM Non QM No
(redacted) 13 (redacted)   32619414     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   IL Primary Refinance - Cash-out - Other   D D A A A A D D Non QM Non QM No
(redacted) 14 (redacted)   32619439     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   D D A A A A D D Non QM Non QM No
(redacted) 14 (redacted)   32619440     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 3 D D A A N/A N/A     D D   FL Primary Refinance - Cash-out - Other   D D A A A A D D Non QM Non QM No
(redacted) 15 (redacted)   32619476     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 3 D D A A N/A N/A     D D   WI Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 15 (redacted)   32619477     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   WI Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 16 (redacted)   32619493     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/20/2024 2 A A A A A A A A A A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 16 (redacted)   32619494     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/20/2024 2 A A A A N/A N/A     A A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 17 (redacted)   32619506     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 3 D D A A N/A N/A     D D   PA Primary Refinance - Cash-out - Other   D D A A A A D D Non QM Non QM No
(redacted) 17 (redacted)   32619507     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   PA Primary Refinance - Cash-out - Other   D D A A A A D D Non QM Non QM No
(redacted) 18 (redacted)   32619512     Compliance Compliance State Compliance State HPML [redacted] HPML Threshold Test Compliant [redacted] Higher-Priced Mortgage Loan:[redacted] on subject loan of [redacted]% or Final Disclosure [redacted]% is equal to or greater than the threshold of [redacted]%  Compliant Higher Priced Loan.         Buyer Comment (2024-11-25): Seller accepts with no change in grading
     11/25/2024 2 B B B B B B B B B B   MA Primary Refinance - Cash-out - Other No obvious cure B B A A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 18 (redacted)   32619513     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   MA Primary Refinance - Cash-out - Other   B B A A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 19 (redacted)   32619554     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   OH Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 20 (redacted)   32619576     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   WA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 20 (redacted)   32619577     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 3 D D A A N/A N/A     D D   WA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 21 (redacted)   32619591     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   NH Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 21 (redacted)   32619592     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 2 A A A A N/A N/A     A A   NH Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 22 (redacted)   32619608     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   WV Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 22 (redacted)   32619609     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 2 A A A A N/A N/A     A A   WV Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 23 (redacted)   32619652     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   B B B B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 23 (redacted)   32619653     Credit Loan Package Documentation Application / Processing Loan Package Documentation [redacted] Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted] disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but pre-[redacted]  declaration of disaster end date. Property inspected post disaster but pre-[redacted] declaration of disaster end date. Date of disaster: [redacted]. SitusAMC,Originator,Aggregator Reviewer Comment (2024-11-21): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines.
     11/21/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 24 (redacted)   32619691     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   AZ Primary Refinance - Cash-out - Other   D D C A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 24 (redacted)   32619692     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file is missing the [redacted] required for securitization purposes.       Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 3 D D A A N/A N/A     D D   AZ Primary Refinance - Cash-out - Other   D D C A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 24 (redacted)   32619694     Credit Credit Miscellaneous Guideline Credit Exception:   A processor certificate was provided to confirm that [redacted], [redacted], and [redacted] are affiliated, and/or one in the same. Please provide additional supporting documentation to confirm the borrower will continued to be employed and receiving income from all three entities since borrower just began in [redacted] and a history cannot be established.  The [redacted] in file only indicated [redacted].       Reviewer Comment (2024-11-25): Supporting documentation is in the file confirming current receipt from all centers the borrower works for. The same [redacted] is doing all the payroll as they're all formatted the same for each center, borrower pay is the same across all, etc. Each location is just keeping records separate for tax purposes. Ultimately it's all one employment record already confirmed via [redacted] cert, the borrower just works in separate locations. The assumption of continuance for all can be determined based on file documentation for current receipt. Exception cleared.


Buyer Comment (2024-11-25): Per [redacted] guidelines income can be assumed to continue for [redacted] years unless there is a clearly noted end/termination date. Please see Continuity of income under [redacted], General Income Information ([redacted]), nothing further is required.
 11/25/2024     1 C A C A C A C A C A   AZ Primary Refinance - Cash-out - Other   D D C A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 25 (redacted)   32619701     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   B B B B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 25 (redacted)   32619702     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 2 A A A A N/A N/A     A A   FL Primary Refinance - Cash-out - Other   B B B B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 25 (redacted)   32619704     Credit Loan Package Documentation Application / Processing Loan Package Documentation [redacted] Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted] disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but [redacted] declaration of disaster end date. Property inspected post disaster but [redacted] declaration of disaster end date. Date of disaster: [redacted]. SitusAMC,Originator,Aggregator Reviewer Comment (2024-11-21): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines.  Client elects to waive with compensating factors.
     11/21/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 26 (redacted)   32619766     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/04/2024 2 A A A A N/A N/A     A A   CO Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 26 (redacted)   32619767     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/04/2024 2 A A A A A A A A A A   CO Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 27 (redacted)   32619788     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   CO Primary Refinance - Cash-out - Other   C A C A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 27 (redacted)   32619789     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 2 A A A A N/A N/A     A A   CO Primary Refinance - Cash-out - Other   C A C A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 27 (redacted)   32619792     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ The loan was approved with [redacted] for an [redacted]. Evidence of continuance has been confirmed, however, [redacted] guidelines require a minimum of [redacted] months receipt to be established. Please provide documentation that supports [redacted] income has been received for a minimum of  [redacted]months.       Reviewer Comment (2024-11-27): Received snip from lender's guidelines and lender's rebuttal that evidence of [redacted] months receipt of [redacted] subsidy is not required.  Exception cleared.


Buyer Comment (2024-11-25): Please see attached, a [redacted] history of receipt is also not required. Per our guidelines, the only document required is the [redacted]. Please cancel this exception


Reviewer Comment (2024-11-25): Borrowers receive income for [redacted].  Income received is not [redacted] [redacted] income but [redacted].  [redacted] history of establishing income has not been documented.  Exception remains.


Reviewer Comment (2024-11-25): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: [redacted]-months Receipt of Income


Buyer Comment (2024-11-22): Please see page [redacted]. This is not [redacted] income. This is [redacted] income as stated on the award letter. [redacted] income does not require [redacted] months of payments. Please cancel this exception
 11/27/2024     1 C A C A C A C A C A   CO Primary Refinance - Cash-out - Other   C A C A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 28 (redacted)   32619794     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   NJ Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 28 (redacted)   32619795     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 2 A A A A N/A N/A     A A   NJ Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 29 (redacted)   32619813     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 3 D D A A N/A N/A     D D   CO Primary Refinance - Cash-out - Other   D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 29 (redacted)   32619814     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   CO Primary Refinance - Cash-out - Other   D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 29 (redacted)   32619816     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) [redacted]: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used.         Buyer Comment (2024-11-22): Seller acknowledges the exception, no change to grading.
     11/22/2024 2 B B B B B B B B B B   CO Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) 30 (redacted)   32619828     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   MI Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 30 (redacted)   32619829     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 2 A A A A N/A N/A     A A   MI Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 31 (redacted)   32619863     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 3 D D A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 31 (redacted)   32619864     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 31 (redacted)   32619865     Credit Title Document Error Title The [redacted] is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.           Buyer Comment (2024-11-25): Seller acknowledges the exception, no change to grading.
     11/25/2024 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 32 (redacted)   32619876     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   IL Primary Refinance - Cash-out - Other   D D C A C A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 32 (redacted)   32619877     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 3 D D A A N/A N/A     D D   IL Primary Refinance - Cash-out - Other   D D C A C A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 32 (redacted)   32619879     Compliance Compliance State Compliance State Defect [redacted] SB [redacted] [redacted] Database Program [redacted] - Certificate of Compliance or Exemption not attached to mortgage for recording.         Reviewer Comment (2024-11-27): Provided [redacted] Document. Exception Cleared.


Buyer Comment (2024-11-26): please see attached
 11/27/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   D D C A C A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 32 (redacted)   32619880     Credit Income / Employment Income Documentation Income / Employment [redacted] Docs Missing: - The Business Entity Search from the [redacted] does not contain a [redacted].  Please provide evidence of the date the verification was pulled.       Reviewer Comment (2024-11-25): Received the screen shot ,which confirmed the document timestamp, Exception cleared .


Buyer Comment (2024-11-25): Please see attached
 11/25/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   D D C A C A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 32 (redacted)   32619881     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   Subject is in a [redacted] and the [redacted] was not found.  Please provide review.       Reviewer Comment (2024-11-27): Provided [redacted] document. Exception Cleared.


Buyer Comment (2024-11-26): please see attached
 11/27/2024     1 C A C A C A C A C A   IL Primary Refinance - Cash-out - Other   D D C A C A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 33 (redacted)   32619891     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   MI Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 33 (redacted)   32619892     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 3 D D A A N/A N/A     D D   MI Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 34 (redacted)   32619895     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/20/2024 2 A A A A A A A A A A   PA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 34 (redacted)   32619896     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/20/2024 3 D D A A N/A N/A     D D   PA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 35 (redacted)   32619916     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   WI Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 35 (redacted)   32619917     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 3 D D A A N/A N/A     D D   WI Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 36 (redacted)   32619920     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   LA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 36 (redacted)   32619921     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted].  Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 2 A A A A N/A N/A     A A   LA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 37 (redacted)   32619987     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   IA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 37 (redacted)   32619988     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted].  Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 2 A A A A N/A N/A     A A   IA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 38 (redacted)   32620041     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely [redacted] Rule: [redacted] did not provide a Notice of [redacted] within a reasonable time prior to closing. [redacted] did not provide a [redacted] within a reasonable time prior to closing.       Buyer Comment (2024-11-26): Seller acknowledges the exception, no change to grading.


Reviewer Comment (2024-11-25): [redacted] tests to receipt at least [redacted] days prior to closing.  Please provide evidence the borrower received a disclosure within that time frame.  Exception remains.


Buyer Comment (2024-11-25): [redacted] confirms this was signed on [redacted]. This is a reasonable time prior to closing on [redacted]. Please review to clear this condition.
     11/26/2024 2 B B B B B B B B B B   NJ Second Home Refinance - Cash-out - Other   D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 38 (redacted)   32620042     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   NJ Second Home Refinance - Cash-out - Other   D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 38 (redacted)   32620043     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 3 D D A A N/A N/A     D D   NJ Second Home Refinance - Cash-out - Other   D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 39 (redacted)   32620054     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   NJ Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 39 (redacted)   32620055     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted].  Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 2 A A A A N/A N/A     A A   NJ Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 40 (redacted)   32620074     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing.[redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/20/2024 3 D D A A N/A N/A     D D   TX Primary Refinance - Cash-out - Other   D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 40 (redacted)   32620075     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/20/2024 2 A A A A A A A A A A   TX Primary Refinance - Cash-out - Other   D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 40 (redacted)   32620078     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) [redacted] Constitution [redacted]: The [redacted] cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.         Buyer Comment (2024-11-21): Seller acknowledges exception, no change to grading.
     11/21/2024 2 B A B A B A B A B A   TX Primary Refinance - Cash-out - Other   D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 40 (redacted)   32620079     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan  (Other Debt) [redacted] Constitution Section [redacted]: [redacted] prohibits other debt secured by the homestead unless the purpose of additional debt is [redacted] described under [redacted]. Unable to determine purpose of additional debt secured by the [redacted].         Buyer Comment (2024-11-21): Seller acknowledges exception, no change to grading.
     11/21/2024 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) 41 (redacted)   32620080     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted].  Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 2 A A A A N/A N/A     A A   PA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 41 (redacted)   32620081     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   PA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 42 (redacted)   32620086     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   NV Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 42 (redacted)   32620087     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 3 D D A A N/A N/A     D D   NV Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 43 (redacted)   32620098     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 3 D D A A N/A N/A     D D   SC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 43 (redacted)   32620099     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   SC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 44 (redacted)   32620119     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/20/2024 2 A A A A A A A A A A   IN Primary Refinance - Cash-out - Other   D D A A A A D D Non QM Non QM No
(redacted) 44 (redacted)   32620120     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/20/2024 3 D D A A N/A N/A     D D   IN Primary Refinance - Cash-out - Other   D D A A A A D D Non QM Non QM No
(redacted) 45 (redacted)   32620190     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 45 (redacted)   32620191     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 3 D D A A N/A N/A     D D   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 45 (redacted)   32620192     Credit Loan Package Documentation Application / Processing Loan Package Documentation [redacted] Issue: The most recent valuation inspection is dated prior to the most recent [redacted]. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but [redacted] declaration of disaster end date. Property inspected post disaster but [redacted] declaration of disaster end date. Date of disaster: [redacted]. SitusAMC,Originator,Aggregator Reviewer Comment (2024-11-21): [redacted] completed after the [redacted] reflects no damages. [redacted] meets [redacted] guidelines.
     11/21/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 46 (redacted)   32620285     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 3 D D A A N/A N/A     D D   NJ Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 46 (redacted)   32620286     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   NJ Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 47 (redacted)   32620306     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   AL Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 47 (redacted)   32620307     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted].  Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 2 A A A A N/A N/A     A A   AL Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 48 (redacted)   32620318     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/04/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 48 (redacted)   32620319     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted]  Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/04/2024 2 A A A A N/A N/A     A A   FL Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 48 (redacted)   32620321     Compliance Compliance Federal Compliance ATR/QM Defect General[redacted]  Provision Employment - [redacted] General QM: Unable to verify current [redacted] using reasonably reliable third-party records. The file is missing the [redacted] for the [redacted]. Please provide the [redacted] for the business obtained within [redacted] of the [redacted] for review.       Reviewer Comment (2024-12-09): Received the liability insurance for this business, which meets the client's alternative  [redacted]  party verification requirements.


Buyer Comment (2024-12-06): please see attached
 12/09/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 48 (redacted)   32620322     Compliance Compliance Federal Compliance ATR/QM Defect Check [redacted] Match - QM Qualified Mortgage [redacted]: Originator Loan Designation of [redacted] does not match Due Diligence [redacted]) Fail. [redacted] failure due to [redacted]. This exception will be cleared when all QM related exceptions are cleared.       Reviewer Comment (2024-12-09): Received the liability insurance for this business, which meets the client's alternative  [redacted]  party verification requirements.


Buyer Comment (2024-12-06): Please see attached
 12/09/2024     1 B A C A B A C A B A   FL Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) 49 (redacted)   32620329     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   WA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 49 (redacted)   32620330     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted].  Missing secondary valuation. The provided [redacted]and/or [redacted] provide relief. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   WA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 50 (redacted)   32620334     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   IN Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 50 (redacted)   32620335     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 3 D D A A N/A N/A     D D   IN Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 51 (redacted)   32620342     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   MA Primary Refinance - Cash-out - Other   D D C A C A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 51 (redacted)   32620343     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for [redacted] purposes       Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 3 D D A A N/A N/A     D D   MA Primary Refinance - Cash-out - Other   D D C A C A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 51 (redacted)   32620344     Credit Income / Employment Income Documentation Income / Employment [redacted] Docs Missing: - File is missing all [redacted] documentation. Please provide the borrower's most recent [redacted] and [redacted] for review.       Reviewer Comment (2024-11-26): Received the Paystubs and the W-2 ( [redacted] ), Exception cleared .


Buyer Comment (2024-11-26): Please see attached,  [redacted]  as requested
 11/26/2024     1 C A C A C A C A C A   MA Primary Refinance - Cash-out - Other   D D C A C A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 51 (redacted)   32620346     Compliance Compliance Federal Compliance ATR/QM Defect Check [redacted] Match - QM Qualified Mortgage [redacted]: Originator Loan Designation of [redacted] does not match Due Diligence [redacted] Fail. [redacted] failure due to [redacted]. This exception will be cleared when all QM related exceptions are cleared.       Reviewer Comment (2024-11-26): Received the Paystubs and the W-2 ( [redacted] ), Exception cleared .


Buyer Comment (2024-11-26): Both docs uploaded
 11/26/2024     1 B A C A B A C A B A   MA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status D D C A C A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) 51 (redacted)   32620347     Compliance Compliance State Compliance Compliance Massachusetts Home Loan - Loan Does Not Qualify for Safe Harbor/Exemption from MA Borrower Interest Requirement [redacted] loan does not qualify under Borrower's [redacted] for [redacted] provisions.         Reviewer Comment (2024-11-26): Received the Paystubs and the W-2 ( [redacted] ), Exception cleared .
 11/26/2024     1 A A A A A A A A A A   MA Primary Refinance - Cash-out - Other   D D C A C A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 51 (redacted)   32620348     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision [redacted]- Wages General QM:  Unable to verity income due to, missing  [redacted] File is missing the borrower's most recent [redacted] and [redacted] or equivalent documentation. Upon receipt of the missing income documentation, additional conditions may apply.       Reviewer Comment (2024-11-26): Received the Paystubs and the W-2 ( [redacted] ), Exception cleared .


Buyer Comment (2024-11-26): Please see attached, Paystub as requested
 11/26/2024     1 C A C A C A C A C A   MA Primary Refinance - Cash-out - Other   D D C A C A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 52 (redacted)   32620350     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   OR Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 52 (redacted)   32620351     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be [redacted].  Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 2 A A A A N/A N/A     A A   OR Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 53 (redacted)   32620354     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   TX Primary Refinance - Cash-out - Other   D D A A B B D D Non QM Non QM No
(redacted) 53 (redacted)   32620355     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 3 D D A A N/A N/A     D D   TX Primary Refinance - Cash-out - Other   D D A A B B D D Non QM Non QM No
(redacted) 53 (redacted)   32620359     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan  (Other Debt) [redacted] Constitution Section [redacted]: [redacted] [redacted] prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted] [redacted]). Unable to determine purpose of additional debt secured by the homestead.         Buyer Comment (2024-11-22): Seller acknowledges the exception, no change to grading.
     11/22/2024 2 B B B B B B B B B B   TX Primary Refinance - Cash-out - Other Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating.  Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead D D A A B B D D Non QM Non QM Yes
(redacted) 54 (redacted)   32620360     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/09/2024 2 A A A A A A A A A A   UT Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 54 (redacted)   32620361     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   UT Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 55 (redacted)   32620388     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   OR Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 55 (redacted)   32620389     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   OR Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 56 (redacted)   32620441     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   MD Primary Refinance - Cash-out - Other   D D C A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 56 (redacted)   32620442     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 3 D D A A N/A N/A     D D   MD Primary Refinance - Cash-out - Other   D D C A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 56 (redacted)   32620444     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted] business days of the Note. - The VVOE from [redacted] in file, is not within [redacted] business days.  Please provide the [redacted] report that was pulled on [redacted] per the documentation in file.       Reviewer Comment (2024-12-05): Received TWN Report from borrower's current employer, dated post close which is allowed per lender's guidelines.  Exception cleared.


Buyer Comment (2024-12-05): Please see attached which contains a Work Number completed post close verifying active employment


Reviewer Comment (2024-11-29): TWN on Document ID# [redacted]  is of prior employer [redacted], Please provide the TWN within [redacted] business days from the note date for the employer "  [redacted] ", Exception remains.


Buyer Comment (2024-11-29): [redacted]  contains the Work Number from  [redacted] , this corresponds with the  [redacted]  VOE in Pg [redacted] .


Reviewer Comment (2024-11-29): The stated document states the source of VVOE is from The Work Number dated [redacted] . However, in file we only have VVOE and not The Work Number. Please provide related The Work Number to verify the actual source of the VOE.


Buyer Comment (2024-11-27): Please review pg  [redacted]  for the VOE dated  [redacted]  for [redacted] employment with [redacted]


Reviewer Comment (2024-11-27): Provide the current employer VOE [redacted]. document for review. Exception remains.


Buyer Comment (2024-11-26): Please review  [redacted]  which contains the Work Number with verification date of [redacted]  and current as of  [redacted] . The loan closed on  [redacted]  meaning it was completed within  [redacted] day of closing. Thank you
 12/05/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   D D C A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 57 (redacted)   32620453     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   NJ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 57 (redacted)   32620454     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 3 D D A A N/A N/A     D D   NJ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 58 (redacted)   32620465     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 58 (redacted)   32620466     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 2 A A A A N/A N/A     A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 59 (redacted)   32620468     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/21/2024 2 A A A A A A A A A A   OH Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 59 (redacted)   32620469     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 3 D D A A N/A N/A     D D   OH Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 60 (redacted)   32620478     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   OR Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 60 (redacted)   32620479     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 2 A A A A N/A N/A     A A   OR Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 61 (redacted)   32620515     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   CT Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 61 (redacted)   32620516     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 3 D D A A N/A N/A     D D   CT Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 62 (redacted)   32620519     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/06/2024 2 A A A A A A A A A A   MD Primary Refinance - Cash-out - Other   D D A A B B D D Non QM Non QM No
(redacted) 62 (redacted)   32620520     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   MD Primary Refinance - Cash-out - Other   D D A A B B D D Non QM Non QM No
(redacted) 62 (redacted)   32620523     Compliance Compliance State Compliance State HPML (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) [redacted] Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.         Buyer Comment (2024-12-09): Seller acknowledges the exception, no change to grading.
     12/09/2024 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   D D A A B B D D Non QM Non QM No
(redacted) 62 (redacted)   32620524     Compliance Compliance State Compliance State HPML [redacted] [redacted] Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Loan.         Buyer Comment (2024-12-09): Seller acknowledges the exception, no change to grading.
     12/09/2024 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   D D A A B B D D Non QM Non QM No
(redacted) 63 (redacted)   32620534     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   MO Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 63 (redacted)   32620535     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 3 D D A A N/A N/A     D D   MO Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 64 (redacted)   32620566     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   TN Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 64 (redacted)   32620567     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 3 D D A A N/A N/A     D D   TN Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 65 (redacted)   32620602     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/04/2024 2 A A A A A A A A A A   AR Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 65 (redacted)   32620603     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/04/2024 3 D D A A N/A N/A     D D   AR Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 66 (redacted)   32620606     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   B B B B B B A A Non QM Non QM No
(redacted) 66 (redacted)   32620607     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   CA Primary Refinance - Cash-out - Other   B B B B B B A A Non QM Non QM No
(redacted) 66 (redacted)   32620613     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Buyer Comment (2024-11-26): Seller accepts with no change in grading
     11/26/2024 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other   B B B B B B A A Non QM Non QM No
(redacted) 66 (redacted)   32620614     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted]form should have been used.         Buyer Comment (2024-11-26): Seller accepts with no change in grading
     11/26/2024 2 B B B B B B B B B B   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B B B B B B A A Non QM Non QM Yes
(redacted) 67 (redacted)   32620632     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   DE Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 67 (redacted)   32620633     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   DE Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 68 (redacted)   32620637     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   NJ Primary Refinance - Cash-out - Other   D D A A C B D D Non QM Non QM No
(redacted) 68 (redacted)   32620638     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 3 D D A A N/A N/A     D D   NJ Primary Refinance - Cash-out - Other   D D A A C B D D Non QM Non QM No
(redacted) 68 (redacted)   32620641     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used.         Reviewer Comment (2024-12-09): LOE, proof of delivery, and  [redacted]  RTC provided. New rescission period has passed, exception cured.


Buyer Comment (2024-12-05): Please see attached Right of Recission Package. Recission expired  [redacted]  at midnight.
   12/09/2024   2 C B C B C B C B C B   NJ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D D A A C B D D Non QM Non QM Yes
(redacted) 69 (redacted)   32620647     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   IN Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 69 (redacted)   32620648     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 3 D D A A N/A N/A     D D   IN Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 70 (redacted)   32620652     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Provided) [redacted] Constitution Section[redacted]: Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan.       Reviewer Comment (2024-12-13): Received the  [redacted]  Cash-Out Acknowledgment of Fair Market Value.


Buyer Comment (2024-12-12): Please see attached signed disclosure.


Reviewer Comment (2024-12-05): Please provide the actual signed disclosure Acknowledgement as to Fair Market Value of Homestead Property required on  [redacted]  loans.  Exception remains.


Buyer Comment (2024-12-05): Please see Pg  [redacted]  of the loan file which is the evidentiary document. This confirms the borrower viewed their appraisal on  [redacted].
 12/13/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.  Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. D D A A C B D D Higher Priced QM (APOR) Higher Priced QM (APOR) Yes
(redacted) 70 (redacted)   32620653     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) [redacted] Constitution Section [redacted]): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] ([redacted]) business day prior to closing. Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] ([redacted]) business day prior to closing.       Reviewer Comment (2024-12-05): Documentation provided verifying the borrower received the itemization of fees at least one business day prior to closing.  Exception cleared.


Buyer Comment (2024-12-05): Please see Pg  [redacted]  of the loan file which is the evidentiary document. This confirms the borrower aknowledged the CD on  [redacted]  which is the same as the CD signed at closing. This confirms the borrower received their itemized fees at least  [redacted]  day before closing.
 12/05/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D D A A C B D D Higher Priced QM (APOR) Higher Priced QM (APOR) Yes
(redacted) 70 (redacted)   32620655     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/04/2024 3 D D A A N/A N/A     D D   TX Primary Refinance - Cash-out - Other   D D A A C B D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 70 (redacted)   32620656     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/04/2024 2 A A A A A A A A A A   TX Primary Refinance - Cash-out - Other   D D A A C B D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 70 (redacted)   32620657     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) [redacted] Constitution Section [redacted]:  Acknowledgment of the Fair Market Value not signed by borrower at or before closing. Received the [redacted]Cash-Out Acknowledgment of Fair Market Value that was signed and dated by the borrower post-closing on [redacted]. Please provide the [redacted]Cash-Out Acknowledgment of Fair Market Value signed and dated by the borrower at or before closing on [redacted].       Reviewer Comment (2024-12-17): Executed copy of FMV Disclosure obtained to cure to [redacted] .


Buyer Comment (2024-12-16): [redacted]  states the lender is able to correct the failure to comply with obtaining a signature on the  [redacted]  Acknowledgement of Fair Market Value within  [redacted]  days of becoming aware of the failure. Post-close signature was obtained within  [redacted]  days, and is therefore allowed as aa cure for this issue.
   12/17/2024   2   B   B   B   B   B   TX Primary Refinance - Cash-out - Other To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.  Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. D D A A C B D D Higher Priced QM (APOR) Higher Priced QM (APOR) Yes
(redacted) 71 (redacted)   32620665     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   OH Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 71 (redacted)   32620666     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   OH Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 72 (redacted)   32620679     Compliance Compliance State Compliance Compliance [redacted] has been discontinued effective [redacted].  Average Prime Offer Rate (APOR) used in lieu of [redacted], pursuant to [redacted] FAQ guidance.           Reviewer Comment (2024-11-25): Seller acknowledges exception, no change to grading.
     11/25/2024 1 A A A A A A A A A A   NC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 72 (redacted)   32620682     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 3 D D A A N/A N/A     D D   NC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 72 (redacted)   32620683     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   NC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 73 (redacted)   32620719     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   MD Primary Refinance - Cash-out - Other   B B A A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 73 (redacted)   32620720     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 2 A A A A N/A N/A     A A   MD Primary Refinance - Cash-out - Other   B B A A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 73 (redacted)   32620722     Compliance Compliance State Compliance State HPML (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) [redacted]Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.         Buyer Comment (2024-11-25): Seller acknowledges exception, no change to grading.
     11/25/2024 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 73 (redacted)   32620723     Compliance Compliance State Compliance State HPML [redacted] [redacted] Threshold Test Non-Compliant [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Loan.         Buyer Comment (2024-11-25): Seller acknowledges exception, no change to grading.
     11/25/2024 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 74 (redacted)   32620757     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   CO Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 74 (redacted)   32620758     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file is missing the [redacted] valuation required for securitization purposes.       Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/21/2024 3 D D A A N/A N/A     D D   CO Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 75 (redacted)   32620783     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   B B B B A A A A Non QM Non QM No
(redacted) 75 (redacted)   32620784     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   FL Primary Refinance - Cash-out - Other   B B B B A A A A Non QM Non QM No
(redacted) 75 (redacted)   32620788     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but [redacted] of disaster end date. Per the[redacted], this [redacted] began on [redacted], was declared on [redacted] and ended on [redacted]. Subject property was [redacted] on [redacted] after the incident start date with no damage reported on the appraisal. [redacted] is not required per [redacted] guides. SitusAMC,Originator,Aggregator Reviewer Comment (2024-11-25): Per the FEMA disaster website, this [redacted] disaster [redacted] began on [redacted], was declared on [redacted] and ended on [redacted]. Subject property was appraised on [redacted] after the incident start date with no damage reported on the appraisal. PDI is not required per client guides.
     11/25/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A Non QM Non QM No
(redacted) 76 (redacted)   32620809     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   MI Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 76 (redacted)   32620811     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file is missing supporting [redacted] valuation required for securitization purposes.       Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 3 D D A A N/A N/A     D D   MI Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 77 (redacted)   32620845     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   PA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 77 (redacted)   32620846     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   PA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 78 (redacted)   32620904     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/09/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 78 (redacted)   32620905     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 79 (redacted)   32620909     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   MD Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 79 (redacted)   32620910     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file is missing the [redacted] valuation required for securitization purposes.       Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 3 D D A A N/A N/A     D D   MD Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 80 (redacted)   32620917     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   VA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 80 (redacted)   32620918     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   VA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 81 (redacted)   32620926     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file is missing the [redacted] valuation required for securitization purposes.       Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 3 D D A A N/A N/A     D D   IN Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 81 (redacted)   32620927     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   IN Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 82 (redacted)   32620930     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   WA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 82 (redacted)   32620931     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   WA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 83 (redacted)   32620947     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/04/2024 2 A A A A A A A A A A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 83 (redacted)   32620948     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/04/2024 2 A A A A N/A N/A     A A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 84 (redacted)   32620952     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 84 (redacted)   32620953     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   FL Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 85 (redacted)   32620962     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   NV Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 85 (redacted)   32620963     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/09/2024 2 A A A A A A A A A A   NV Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 86 (redacted)   32620977     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   IA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 86 (redacted)   32620978     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   IA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 87 (redacted)   32620982     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   PA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 87 (redacted)   32620983     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   PA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 88 (redacted)   32621071     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but [redacted] of disaster end date. Property inspected post disaster but [redacted] of disaster end date. Date of disaster: [redacted]. SitusAMC,Originator Reviewer Comment (2024-11-26): Appraisal was preformed on [redacted] after disaster.  No Damage.
     11/26/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 88 (redacted)   32621072     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/26/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   B B B B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 88 (redacted)   32621073     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   FL Primary Refinance - Cash-out - Other   B B B B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 89 (redacted)   32621089     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/25/2024 2 A A A A A A A A A A   PA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 89 (redacted)   32621090     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 3 D D A A N/A N/A     D D   PA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 90 (redacted)   32621134     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   SC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 90 (redacted)   32621135     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/09/2024 2 A A A A A A A A A A   SC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 91 (redacted)   32621165     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/26/2024 2 A A A A A A A A A A   MN Primary Refinance - Cash-out - Other   B B A A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 91 (redacted)   32621166     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   MN Primary Refinance - Cash-out - Other   B B A A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 91 (redacted)   32621170     Compliance Compliance State Compliance Misc. State Level [redacted] Tangible Net Benefit Disclosure [redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower.         Buyer Comment (2024-11-27): Seller acknowledges the exception, no change to grading.
     11/27/2024 2 B B B B B B B B B B   MN Primary Refinance - Cash-out - Other   B B A A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 92 (redacted)   32621199     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) [redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.         Buyer Comment (2024-12-06): Seller acknowledges exception, no change to grading.
     12/06/2024 2 B A B A B A B A B A   TX Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 92 (redacted)   32621200     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   TX Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 92 (redacted)   32621201     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   TX Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 93 (redacted)   32621209     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/26/2024 2 A A A A A A A A A A   MD Primary Refinance - Cash-out - Other   C B C A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 93 (redacted)   32621210     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 2 A A A A N/A N/A     A A   MD Primary Refinance - Cash-out - Other   C B C A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 93 (redacted)   32621213     Compliance Compliance State Compliance State HPML (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) [redacted] Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.         Buyer Comment (2024-11-27): Seller accepts with no change in grading
     11/27/2024 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   C B C A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 93 (redacted)   32621214     Compliance Compliance State Compliance State HPML [redacted] Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.  Non-Compliant Higher Priced Loan.         Buyer Comment (2024-11-27): Seller accepts with no change in grading
     11/27/2024 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   C B C A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 93 (redacted)   32621216     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ VVOE is missing the source used to obtain the phone number.  Please provide for review.       Reviewer Comment (2024-11-29): Provided VVOE is already in the file which meets the requirements, Exception Cleared.


Buyer Comment (2024-11-27): Please review pg [redacted] which contains the VOEs for [redacted], it confirms [redacted] as the source, please clear this exception as it is not valid
 11/29/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C B C A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 94 (redacted)   32621276     Credit Loan Package Documentation Application / Processing Loan Package Documentation [redacted]  Disaster Issue: Property is located in a  [redacted] Disaster area and has been affected by the disaster. Disaster Name: ___;
Disaster Declaration Date: ___;
Most Recent Disaster End Date: ___		   Property inspected post disaster but pre-[redacted] declaration of disaster end date. Property inspected post disaster but pre-[redacted] declaration of disaster end date. Date of disaster: [redacted]. SitusAMC,Originator,Aggregator Reviewer Comment (2024-11-26): Inspection completed after the incident start date reflects no damages. PDI meets client guidelines.  Client elects to waive with compensating factors.
     11/26/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 94 (redacted)   32621277     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/26/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 94 (redacted)   32621278     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/26/2024 3 D D A A N/A N/A     D D   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 95 (redacted)   32621284     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/26/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D D A A A A D D Non QM Non QM No
(redacted) 95 (redacted)   32621285     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/26/2024 3 D D A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D A A A A D D Non QM Non QM No
(redacted) 96 (redacted)   32621311     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/26/2024 3 D D A A N/A N/A     D D   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 96 (redacted)   32621312     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/27/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 96 (redacted)   32621313     Credit Loan Package Documentation Application / Processing Loan Package Documentation [redacted]  Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted] disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but pre-[redacted] declaration of disaster end date. Per the FEMA disaster website, this [redacted]disaster [redacted] began on [redacted], was declared on[redacted] and ended on [redacted]. Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional PDI is not required per client guides. SitusAMC,Originator,Aggregator Reviewer Comment (2024-11-26): Per the FEMA disaster website, this [redacted] disaster [redacted] began on [redacted], was declared on [redacted] and ended on [redacted]. Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional PDI is not required per client guides.
     11/26/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 97 (redacted)   32621320     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/26/2024 3 D D A A N/A N/A     D D   IL Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 97 (redacted)   32621321     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/26/2024 2 A A A A A A A A A A   IL Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 98 (redacted)   32621341     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/04/2024 2 A A A A A A A A A A   NY Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 99 (redacted)   32621388     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/27/2024 2 A A A A A A A A A A   IL Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 99 (redacted)   32621389     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/26/2024 2 A A A A N/A N/A     A A   IL Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 100 (redacted)   32621464     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/27/2024 2 A A A A A A A A A A   OK Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 100 (redacted)   32621465     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/26/2024 3 D D A A N/A N/A     D D   OK Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 100 (redacted)   32621467     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely [redacted] Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. The initial Notice of Special Flood Hazards was not provided within a reasonable time prior to closing.       Reviewer Comment (2024-12-02): Borrowers received the Flood Disclosure within [redacted]  days of the initial application. The senior lien is escrowed for flood, therefore it's reasonable to assume the borrower was given sufficient notice prior to closing of the property being in a flood zone. Per CHD on prior reviews, exception can be cleared.


Buyer Comment (2024-11-29): Please see attached original flood notice from[redacted]  borrower's [redacted] lien is originated and serviced by[redacted] . Borrower has maintained flood insurance on the property for man years prior to origination of the closed end [redacted].
 12/02/2024     1 B A B A B A B A B A   OK Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 101 (redacted)   32621469     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/06/2024 2 A A A A A A A A A A   WI Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 101 (redacted)   32621470     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID:[redacted] Note Date:  ___; Lien Position: ___ The file was missing supporting secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   WI Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 102 (redacted)   32621490     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/04/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 102 (redacted)   32621491     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID:[redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes       Reviewer Comment (2024-12-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     12/04/2024 2 A A A A N/A N/A     A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 103 (redacted)   32621554     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   MI Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 103 (redacted)   32621555     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID:[redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/21/2024 2 A A A A N/A N/A     A A   MI Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 104 (redacted)   32621562     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/27/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 104 (redacted)   32621563     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/27/2024 2 A A A A N/A N/A     A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 105 (redacted)   32621600     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/27/2024 2 A A A A A A A A A A   NC Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 105 (redacted)   32621601     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/27/2024 2 A A A A N/A N/A     A A   NC Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 106 (redacted)   32621664     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   TX Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 106 (redacted)   32621665     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/27/2024 3 D D A A N/A N/A     D D   TX Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 106 (redacted)   32621667     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) [redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.         Buyer Comment (2024-12-03): Seller acknowledges exception, no change to grading.


Reviewer Comment (2024-12-02): An appraisal is required for [redacted] Section [redacted]  loans per the statute.  Client can elect to waive, if you wish.


Buyer Comment (2024-12-02): AVM is in loan file on page [redacted] . AVM is an allowable appraisal product per guidelines. Please cancel exception.
     12/03/2024 2 B A B A B A B A B A   TX Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 107 (redacted)   32621692     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   MA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 107 (redacted)   32621693     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/27/2024 3 D D A A N/A N/A     D D   MA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 108 (redacted)   32621700     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID:[redacted]           Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/27/2024 3 D D A A N/A N/A     D D   LA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 108 (redacted)   32621702     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   LA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 109 (redacted)   32621713     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-09): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     12/09/2024 3 D D A A N/A N/A     D D   UT Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 109 (redacted)   32621714     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/09/2024 2 A A A A A A A A A A   UT Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 110 (redacted)   32621756     Compliance Compliance State Compliance Compliance [redacted]Day [redacted] has been discontinued effective[redacted]  Average Prime Offer Rate (APOR) used in lieu of [redacted] effective[redacted], pursuant to[redacted]guidance.           Reviewer Comment (2024-11-26): Seller acknowledges the exception. This exception is for informational purposes only and does not impact grading.
     11/26/2024 1 A A A A A A A A A A   NC Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 110 (redacted)   32621758     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   NC Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 110 (redacted)   32621760     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID:[redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/26/2024 3 D D A A N/A N/A     D D   NC Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 110 (redacted)   32621761     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster [redacted] SitusAMC,Originator Reviewer Comment (2024-11-26): PDI inspected on [redacted] . No Damage.
     11/26/2024 2 B B B B B B B B B B   NC Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 111 (redacted)   32621780     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/13/2024 2 A A A A A A A A A A   TX Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 111 (redacted)   32621781     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   TX Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 111 (redacted)   32621783     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) [redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.         Buyer Comment (2024-12-16): Seller accepts with no change in grading
     12/16/2024 2 B A B A B A B A B A   TX Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 112 (redacted)   32621825     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 112 (redacted)   32621826     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/26/2024 2 A A A A N/A N/A     A A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 113 (redacted)   32621844     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		 Most Recent Valuation Inspection Date: [redacted]          
Disaster End Date: [redacted]
Disaster Name: [redacted]
Disaster Declaration Date: [redacted]		 Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster:[redacted] SitusAMC,Originator Reviewer Comment (2024-11-26): Appraisal performed after disaster on [redacted] .  No damage reported.
     11/26/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   B B B B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 113 (redacted)   32621845     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   B B B B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 113 (redacted)   32621846     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/26/2024 2 A A A A N/A N/A     A A   FL Primary Refinance - Cash-out - Other   B B B B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 114 (redacted)   32621861     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 114 (redacted)   32621862     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/26/2024 2 A A A A N/A N/A     A A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 115 (redacted)   32621877     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/26/2024 3 D D A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 115 (redacted)   32621878     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 116 (redacted)   32621889     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/13/2024 2 A A A A A A A A A A   TX Primary Refinance - Cash-out - Other   C A A A C A A A Non QM Non QM No
(redacted) 116 (redacted)   32621890     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     12/05/2024 2 A A A A N/A N/A     A A   TX Primary Refinance - Cash-out - Other   C A A A C A A A Non QM Non QM No
(redacted) 116 (redacted)   32621893     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Completed Loan Application Not  Provided At Least 1 Business Day Prior to Closing) [redacted] Constitution Section [redacted]:  [redacted] Cash-out Loan.  Borrower was not provided copy of Application [redacted] day prior to closing.         Reviewer Comment (2024-12-17): Verification of borrower receipt provided, exception cleared.


Buyer Comment (2024-12-16): Please see the attached internal confirmation the borrower viewed the [redacted]  and closing disclosure within the required timeframe prior to closing.
 12/17/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A A A C A A A Non QM Non QM Yes
(redacted) 116 (redacted)   32621894     Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) [redacted] Constitution Section [redacted]: Final itemized disclosure of fees, points, costs and charges not provided to borrower at least[redacted] one  business day prior to closing without a waiver.         Reviewer Comment (2024-12-17): Verification of borrower receipt provided, exception cleared.


Buyer Comment (2024-12-16): Please see the attached internal confirmation the borrower viewed the [redacted]  and closing disclosure within the required timeframe prior to closing.
 12/17/2024     1 C A C A C A C A C A   TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A A A C A A A Non QM Non QM Yes
(redacted) 117 (redacted)   32621900     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   MN Primary Refinance - Cash-out - Other   D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 117 (redacted)   32621901     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines.
     11/27/2024 3 D D A A N/A N/A     D D   MN Primary Refinance - Cash-out - Other   D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 117 (redacted)   32621904     Compliance Compliance State Compliance Misc. State Level [redacted] Tangible Net Benefit Disclosure [redacted]Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower.         Buyer Comment (2024-12-02): [redacted]acknowledges exception, no change to grading.
     12/02/2024 2 B B B B B B B B B B   MN Primary Refinance - Cash-out - Other   D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 118 (redacted)   32621906     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 118 (redacted)   32621907     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-27): acknowledges exception, secondary valuation not required per product guidelines.
     11/27/2024 2 A A A A N/A N/A     A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 119 (redacted)   32621924     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   MI Second Home Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 119 (redacted)   32621925     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/27/2024 2 A A A A N/A N/A     A A   MI Second Home Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 120 (redacted)   32621926     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   WA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 120 (redacted)   32621927     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/27/2024 3 D D A A N/A N/A     D D   WA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 121 (redacted)   32621937     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 121 (redacted)   32621938     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/27/2024 3 D D A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 122 (redacted)   32621983     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   AZ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 122 (redacted)   32621984     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  [redacted]provided. The supporting secondary valuation is missing. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   AZ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 123 (redacted)   32622004     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/26/2024 2 A A A A A A A A A A   SC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 123 (redacted)   32622005     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  [redacted]provided. The supporting secondary valuation is missing. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/25/2024 3 D D A A N/A N/A     D D   SC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 124 (redacted)   32622007     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   MI Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 124 (redacted)   32622008     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be  [redacted].  Missing secondary valuation. The provided  [redacted]and/or  [redacted]provide relief. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/27/2024 2 A A A A N/A N/A     A A   MI Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 125 (redacted)   32622023     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   AZ Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 126 (redacted)   32622042     Credit Loan Package Documentation Application / Processing Loan Package Documentation [redacted]Disaster Issue: The most recent valuation inspection is dated prior to the most recent  [redacted]disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]. SitusAMC,Originator,Aggregator Reviewer Comment (2024-12-04): Appraisal completed after the incident start date reflects no damages. Inspection meets client guidelines.
     12/04/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   D D B B A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 126 (redacted)   32622043     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/04/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   D D B B A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 126 (redacted)   32622044     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be  [redacted].  [redacted]was provided. Secondary valuation from subject transaction is missing. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/04/2024 3 D D A A N/A N/A     D D   FL Primary Refinance - Cash-out - Other   D D B B A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 127 (redacted)   32622096     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/06/2024 2 A A A A A A A A A A   VA Primary Refinance - Cash-out - Other   D D C A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 127 (redacted)   32622097     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  [redacted]provided. The supporting secondary valuation is missing. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   VA Primary Refinance - Cash-out - Other   D D C A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 127 (redacted)   32622098     Credit Loan Package Documentation Application / Processing Insurance Missing Document: [redacted]not provided           Reviewer Comment (2024-12-09): Flood Certificate provided : Exception Cleared


Buyer Comment (2024-12-09): Please see the attached flood certification.
 12/09/2024     1 C A C A C A C A C A   VA Primary Refinance - Cash-out - Other   D D C A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 127 (redacted)   32622099     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) [redacted]: Special  [redacted] indicator was not provided. The applicable flood zone related testing cannot be performed.         Reviewer Comment (2024-12-09): Provided Flood certificate with details of  flood zone: Exception Cleared.


Buyer Comment (2024-12-09): Please cancel as Flood Certification was uploaded confirming property is not located in a flood zone.
 12/09/2024     1 B A B A B A B A B A   VA Primary Refinance - Cash-out - Other   D D C A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 128 (redacted)   32622110     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   MD Primary Refinance - Cash-out - Other   C B C A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 128 (redacted)   32622111     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided  [redacted]and/or  [redacted]provide relief. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 2 A A A A N/A N/A     A A   MD Primary Refinance - Cash-out - Other   C B C A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 128 (redacted)   32622114     Compliance Compliance State Compliance State HPML (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) [redacted]Higher-Priced Mortgage Loan:   [redacted]not provided with written disclosure of non-higher priced loans otherwise qualified for.         Buyer Comment (2024-12-06): Seller acknowledges exception, no change to grading.
     12/06/2024 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   C B C A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 128 (redacted)   32622115     Compliance Compliance State Compliance State HPML [redacted]HPML Threshold Test Non-Compliant [redacted]Higher-Priced Mortgage Loan: APR on subject loan of  [redacted][redacted] [redacted]% or [redacted] APR of  [redacted]% is equal to or greater than the threshold of APOR  [redacted]% +  [redacted]%, or  [redacted]%.  Non-Compliant Higher Priced Loan.         Buyer Comment (2024-12-06): Seller acknowledges exception, no change to grading.
     12/06/2024 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   C B C A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 128 (redacted)   32622116     Credit Loan Package Documentation Loan File Missing Document  Missing Document:  [redacted] not provided   Missing dec page for  [redacted]policy for which premium is included in qualifying  [redacted].       Reviewer Comment (2024-12-06): Provided HO-06 policy for the subject property: Exception Cleared.


Buyer Comment (2024-12-06): Please see attached HO6 policy.
 12/06/2024     1 C A C A C A C A C A   MD Primary Refinance - Cash-out - Other   C B C A B B A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 129 (redacted)   32622197     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/06/2024 2 A A A A A A A A A A   MD Primary Refinance - Cash-out - Other   B B A A B B A A Non QM Non QM No
(redacted) 129 (redacted)   32622198     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 2 A A A A N/A N/A     A A   MD Primary Refinance - Cash-out - Other   B B A A B B A A Non QM Non QM No
(redacted) 129 (redacted)   32622201     Compliance Compliance State Compliance State HPML (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) [redacted]Higher-Priced Mortgage Loan:   [redacted]not provided with written disclosure of non-higher priced loans otherwise qualified for.         Buyer Comment (2024-12-09): Seller acknowledges the exception, no change to grading.
     12/09/2024 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A Non QM Non QM No
(redacted) 129 (redacted)   32622202     Compliance Compliance State Compliance State HPML [redacted]HPML Threshold Test Non-Compliant [redacted]Higher-Priced Mortgage Loan: APR on subject loan of  [redacted]% or  [redacted] APR of  [redacted]% is equal to or greater than the threshold of APOR  [redacted]% +  [redacted]%, or  [redacted]%.  Non-Compliant Higher Priced Loan.         Buyer Comment (2024-12-09): Seller acknowledges the exception, no change to grading.
     12/09/2024 2 B B B B B B B B B B   MD Primary Refinance - Cash-out - Other   B B A A B B A A Non QM Non QM No
(redacted) 130 (redacted)   32622205     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   UT Second Home Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 130 (redacted)   32622206     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/06/2024 2 A A A A A A A A A A   UT Second Home Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 131 (redacted)   32622213     Credit Loan Package Documentation Application / Processing Loan Package Documentation [redacted]Disaster Issue: The most recent valuation inspection is dated prior to the most recent  [redacted]disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC,Originator Reviewer Comment (2024-12-05): PDI inspected on [redacted] . No Damage.
     12/05/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 131 (redacted)   32622214     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/06/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 131 (redacted)   32622215     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 132 (redacted)   32622224     Credit Loan Package Documentation Application / Processing Loan Package Documentation [redacted]Disaster Issue: The most recent valuation inspection is dated prior to the most recent  [redacted]disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC,Originator,Aggregator Reviewer Comment (2024-12-09): Inspection completed after the incident start date reflects no damages. PDI meets client guidelines.  Client elects to waive with compensating factors.
     12/09/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 132 (redacted)   32622225     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/09/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 132 (redacted)   32622226     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-09): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/09/2024 3 D D A A N/A N/A     D D   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 133 (redacted)   32622233     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/09/2024 2 A A A A A A A A A A   VA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 133 (redacted)   32622234     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  [redacted]provided. The supporting secondary valuation is missing. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-09): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/09/2024 3 D D A A N/A N/A     D D   VA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 134 (redacted)   32622237     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/22/2024 3 D D A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 134 (redacted)   32622238     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/22/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 135 (redacted)   32622305     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 135 (redacted)   32622306     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/04/2024 2 A A A A N/A N/A     A A   FL Primary Refinance - Cash-out - Other   A A A A A A A A Non QM Non QM No
(redacted) 136 (redacted)   32622362     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/09/2024 2 A A A A A A A A A A   ID Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 136 (redacted)   32622363     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   ID Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 137 (redacted)   32622391     Credit Loan Package Documentation Application / Processing Loan Package Documentation [redacted] Disaster Issue: The most recent valuation inspection is dated prior to the most recent  [redacted] disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but [redacted]declaration of disaster end date. Property inspected post disaster but pre-[redacted] declaration of disaster end date. Date of disaster:[redacted] SitusAMC,Originator,Aggregator Reviewer Comment (2024-12-05): Inspection completed after the incident start date reflects no damages. PDI meets client guidelines.  Client elects to waive with compensating factors.
     12/05/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   C B C B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 137 (redacted)   32622392     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   C B C B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 137 (redacted)   32622393     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 2 A A A A N/A N/A     A A   FL Primary Refinance - Cash-out - Other   C B C B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 137 (redacted)   32622396     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Please provide the source of the employer's telephone number for the borrower's VVOE.       Reviewer Comment (2024-12-06): Received verification of the employer's source of telephone number.  Exception cleared.


Buyer Comment (2024-12-06): Please see attached, screenshot from the notes on the  [redacted]confirming the source of the contact information is  [redacted].
 12/06/2024     1 C A C A C A C A C A   FL Primary Refinance - Cash-out - Other   C B C B A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 138 (redacted)   32622398     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   MA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 138 (redacted)   32622399     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   MA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 139 (redacted)   32622418     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID:  [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   AZ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 139 (redacted)   32622419     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/09/2024 2 A A A A A A A A A A   AZ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 140 (redacted)   32622452     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/09/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D D A A C B D D Non QM Non QM No
(redacted) 140 (redacted)   32622453     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.  [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D A A C B D D Non QM Non QM No
(redacted) 140 (redacted)   32622455     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) [redacted] Mortgage loan financed Points and Fees.         Reviewer Comment (2025-01-08): [redacted] overage cured.


Buyer Comment (2025-01-08): Please see attached confirming the package has been mailed via [redacted] and is scheduled to be delivered today


Reviewer Comment (2025-01-07): The tracking number provided shows the [redacted]has not been sent yet. Before this can be reviewed by compliance, evidence of borrower receipt will need to be provided. Please resubmit once the package has been sent to the borrower. Exception remains for additional information.


Buyer Comment (2025-01-07): Please see attached to[redacted]


Buyer Comment (2025-01-07): Please see attached to [redacted]
 01/08/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D D A A C B D D Non QM Non QM No
(redacted) 140 (redacted)   32622456     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) Truth in Lending Act [redacted] Mortgage loan contains a late charge that exceeds the greater of [redacted]of the amount past due or grace period of less than  [redacted]         Reviewer Comment (2025-01-08): High Cost fee overage cured.


Buyer Comment (2025-01-08): Please see attached confirming the package has been mailed via UPS [redacted] and is scheduled to be delivered today


Reviewer Comment (2025-01-07): The tracking number provided shows the [redacted]has not been sent yet. Before this can be reviewed by compliance, evidence of borrower receipt will need to be provided. Please resubmit once the package has been sent to the borrower. Exception remains for additional information.


Buyer Comment (2025-01-07): Please see attached
 01/08/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D D A A C B D D Non QM Non QM No
(redacted) 140 (redacted)   32622457     Compliance Compliance Federal Compliance Federal Defect (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of  [redacted]of the Federal Total Loan Amount. Points and Fees of  [redacted] on a Federal Total Loan Amount of  [redacted] vs. an allowable total of  [redacted](an overage of [redacted]  [redacted].  Non-Compliant High Cost Loan. Points and fees are excessive by an overage of [redacted]. Variance in the lender's testing per the QM Findings vs diligence is  [redacted]       Reviewer Comment (2025-01-08): [redacted] received [redacted], borrower choice letter indicating that they choose to accept [redacted] and make loan not high cost, copy of refund check and proof of mailing.


Buyer Comment (2025-01-08): Please see attached confirming the package has been mailed via UPS[redacted] and is scheduled to be delivered today


Reviewer Comment (2025-01-07): The tracking number provided shows the Completed has not been sent yet. Before this can be reviewed by compliance, evidence of borrower receipt will need to be provided. Please resubmit once the package has been sent to the borrower. Exception remains for additional information.


Buyer Comment (2025-01-07): Please see attached
   01/08/2025   2 C B C B C B C B C B   CA Primary Refinance - Cash-out - Other (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. D D A A C B D D Non QM Non QM Yes
(redacted) 140 (redacted)   32622458     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a [redacted]loan and may not be found in the file for loans that have not been previously sold)         Reviewer Comment (2025-01-08): High Cost fee overage cured.


Buyer Comment (2025-01-08): Please see attached confirming the package has been mailed via[redacted]and is scheduled to be delivered today


Reviewer Comment (2025-01-07): The [redacted] provided shows the cure package has not been sent yet. Before this can be reviewed by compliance, evidence of borrower receipt will need to be provided. Please resubmit once the package has been sent to the borrower.[redacted] remains for additional information.


Buyer Comment (2025-01-07): Please see attached
 01/08/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D D A A C B D D Non QM Non QM No
(redacted) 140 (redacted)   32622459     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) Truth in Lending Act (HOEPA):  HOEPA disclosure was not provided to the Borrower         Reviewer Comment (2025-01-08): [redacted] overage cured.


Buyer Comment (2025-01-08): Please see attached confirming the package has been mailed via [redacted] and is scheduled to be delivered today


Reviewer Comment (2025-01-07): The tracking number provided shows the [redacted]has not been sent yet. Before this can be reviewed by compliance, evidence of borrower receipt will need to be provided. Please resubmit once the package has been sent to the borrower. Exception remains for additional information.


Buyer Comment (2025-01-07): Please see attached
 01/08/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D D A A C B D D Non QM Non QM No
(redacted) 140 (redacted)   32622460     Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) Truth in Lending Act (HOEPA):  [redacted] did not receive pre-loan counseling.         Reviewer Comment (2025-01-08): [redacted]overage cured.


Buyer Comment (2025-01-08): Please see attached confirming the package has been mailed via [redacted] and is scheduled to be delivered today


Reviewer Comment (2025-01-07): The tracking number provided shows the [redacted]e has not been sent yet. Before this can be reviewed by compliance, evidence of borrower receipt will need to be provided. Please resubmit once the package has been sent to the borrower. Exception remains for additional information.


Buyer Comment (2025-01-07): Please see attached
 01/08/2025     1 C A C A C A C A C A   CA Primary Refinance - Cash-out - Other   D D A A C B D D Non QM Non QM No
(redacted) 141 (redacted)   32622462     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/09/2024 2 A A A A A A A A A A   TX Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 141 (redacted)   32622463     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___ The file is missing the [redacted] required for securitization purposes.       Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   TX Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 141 (redacted)   32622465     Compliance Compliance State Compliance Misc. State Level (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) [redacted] Constitution Section  [redacted] The  [redacted] cannot conclusively rely on the Value on Acknowledgement of Fair Market Value.  Test performed using stated value or other valuation method in file other than appraisal.         Buyer Comment (2024-12-10): Seller acknowledges exception, no change to grading.
     12/10/2024 2 B A B A B A B A B A   TX Primary Refinance - Cash-out - Other   D D A A B A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 142 (redacted)   32622481     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/06/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 142 (redacted)   32622482     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  [redacted]. The supporting secondary valuation is missing.  [redacted] Note Date:  ___; Lien Position: ___ The file was missing the s [redacted]required for securitization purposes.       Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 142 (redacted)   32622483     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		 The subject property is  located in a  [redacted]. A post disaster inspection verifying there was no damage to the subject property is required." Property inspected post disaster but [redacted]declaration of disaster end date. Property inspected post disaster but [redacted] declaration of disaster end date. Date of disaster: [redacted]. SitusAMC,Originator,Aggregator Reviewer Comment (2024-12-06): Inspection completed after the incident [redacted]e reflects no damages. [redacted]meets client guidelines.  Client elects to[redacted]
     12/06/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 143 (redacted)   32622490     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   AZ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 143 (redacted)   32622491     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/06/2024 2 A A A A A A A A A A   AZ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 144 (redacted)   32622498     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/06/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 144 (redacted)   32622499     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief.  [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 2 A A A A N/A N/A     A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 145 (redacted)   32622549     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  [redacted]The supporting secondary valuation is missing.  [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   AZ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 145 (redacted)   32622550     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   AZ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 146 (redacted)   32622562     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-02): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/02/2024 3 D D A A N/A N/A     D D   AZ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 146 (redacted)   32622563     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/02/2024 2 A A A A A A A A A A   AZ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 147 (redacted)   32622566     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/02/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 147 (redacted)   32622567     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  [redacted]. The supporting secondary valuation is missing.  [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-02): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/02/2024 3 D D A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 148 (redacted)   32622574     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.  [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-02): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/02/2024 3 D D A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 148 (redacted)   32622575     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/02/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 149 (redacted)   32622622     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/06/2024 2 A A A A A A A A A A   NC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 149 (redacted)   32622623     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   NC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 150 (redacted)   32622635     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/06/2024 2 A A A A A A A A A A   CT Primary Refinance - Cash-out - Other   D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 150 (redacted)   32622636     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   CT Primary Refinance - Cash-out - Other   D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 150 (redacted)   32622638     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] was used, the  [redacted] should have been used.         Buyer Comment (2024-12-09): Seller acknowledges exception, no change to grading.
     12/09/2024 2 B B B B B B B B B B   CT Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D D A A B B D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
(redacted) 151 (redacted)   32622648     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/06/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 151 (redacted)   32622649     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.[redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 151 (redacted)   32622651     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but [redacted] declaration of disaster end date. Property inspected post disaster but [redacted] declaration of disaster end date. Date of disaster: [redacted]. SitusAMC,Originator,Aggregator Reviewer Comment (2024-12-06): Inspection completed after the incident start date reflects no damages. [redacted]meets client guidelines.  Client elects to waive with compensating factors.
     12/06/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 152 (redacted)   32622667     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/06/2024 2 A A A A A A A A A A   PA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 152 (redacted)   32622668     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   PA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 153 (redacted)   32622670     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   AZ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 153 (redacted)   32622671     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   AZ Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 154 (redacted)   32622685     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.[redacted]. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___ The file is missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 154 (redacted)   32622686     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 154 (redacted)   32622687     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but [redacted]declaration of disaster end date. Property inspected post disaster but[redacted] declaration of disaster end date. Date of disaster: [redacted]. SitusAMC,Originator,Aggregator Reviewer Comment (2024-12-05): PDI dated after the incident start date reflects no damages. Inspection meets client's guidelines.
     12/05/2024 2 B B B B B B B B B B   FL Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 155 (redacted)   32622703     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   UT Primary Refinance - Cash-out - Other   D D C A A A D D Non QM Non QM No
(redacted) 155 (redacted)   32622704     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   UT Primary Refinance - Cash-out - Other   D D C A A A D D Non QM Non QM No
(redacted) 155 (redacted)   32622705     Credit Income / Employment Income Documentation Missing Document  REO Documents are missing. - The file was missing evidence the mortgage is escrowed for this property, please provide for review.       Reviewer Comment (2024-12-06): Provided final [redacted]of the property, Exception cleared.


Buyer Comment (2024-12-06): Please see the attached closing disclosure for this property.
 12/06/2024     1 C A C A C A C A C A   UT Primary Refinance - Cash-out - Other   D D C A A A D D Non QM Non QM No
(redacted) 156 (redacted)   32622715     Compliance Compliance State Compliance Compliance [redacted] has been discontinued effective[redacted]  Average Prime Offer Rate [redacted] used in lieu of RNY effective [redacted] pursuant to [redacted].           Reviewer Comment (2024-12-05): Seller acknowledges exception, no change to [redacted]
     12/05/2024 1 A A A A A A A A A A   NC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 156 (redacted)   32622717     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   NC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 156 (redacted)   32622718     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   NC Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 157 (redacted)   32622735     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/26/2024 2 A A A A A A A A A A   GA Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 157 (redacted)   32622736     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/26/2024 3 D D A A N/A N/A     D D   GA Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 158 (redacted)   32622748     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/03/2024 2 A A A A A A A A A A   GA Primary Refinance - Cash-out - Other   C A C A C A A A Non QM Non QM No
(redacted) 158 (redacted)   32622749     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-03): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/03/2024 2 A A A A N/A N/A     A A   GA Primary Refinance - Cash-out - Other   C A C A C A A A Non QM Non QM No
(redacted) 158 (redacted)   32622752     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay [redacted]Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. Loan designation failure due to ATR failure. This exception will be cleared when all ATR related exceptions are cleared.       Reviewer Comment (2024-12-06): Received Most recent [redacted]meets [redacted]requirement in lieu of [redacted] dated within[redacted] of the[redacted], Exception cleared.


Buyer Comment (2024-12-06): Please see the attached paystub dated wtihin[redacted]s days of closing in lieu of the [redacted]
 12/06/2024     1 B A C A B A C A B A   GA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A A A Non QM Non QM Yes
(redacted) 158 (redacted)   32622753     Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Employment -[redacted] Ability to Repay [redacted]: Unable to verify current [redacted]mployment status using reasonably reliable third-party records. Due to missing the Third Party Verification of Employment for [redacted]       Reviewer Comment (2024-12-06): Received Most recent paystub dated[redacted] meets[redacted] requirement in lieu of[redacted] dated [redacted], Exception cleared.


Buyer Comment (2024-12-06): Please see the attached [redacted] dated wtihin [redacted]f closing in lieu of the VOE
 12/06/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A C A A A Non QM Non QM No
(redacted) 158 (redacted)   32622755     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - The file is missing the Third Party Verification of Employment for [redacted]       Reviewer Comment (2024-12-06): Received Most recent paystub dated[redacted]meets fnma's [redacted]equirement in lieu of VVOE dated within[redacted] of the Note date, Exception cleared.


Buyer Comment (2024-12-06): Please see the attached paystub dated wtihin [redacted] days of closing in lieu of the [redacted]
 12/06/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A C A A A Non QM Non QM No
(redacted) 158 (redacted)   32622756     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within [redacted]days of the Note. - The file is missing the Third Party Verification of Employment for [redacted]       Reviewer Comment (2024-12-06): Received Most recent paystub dated [redacted]eets [redacted] requirement in lieu of[redacted] dated within [redacted], Exception cleared.


Buyer Comment (2024-12-06): Please see the attached paystub dated wtihin [redacted]of closing in lieu of the VOE
 12/06/2024     1 C A C A C A C A C A   GA Primary Refinance - Cash-out - Other   C A C A C A A A Non QM Non QM No
(redacted) 159 (redacted)   32622759     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but [redacted] declaration of disaster end date. Property inspected post disaster but  [redacted] declaration of disaster end date. Date of disaster:  [redacted]. SitusAMC,Originator,Aggregator Reviewer Comment (2024-12-04): Inspection completed after the incident start date reflects no damages. [redacted]meets client guidelines.
     12/04/2024 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   B B B B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 159 (redacted)   32622761     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   GA Primary Refinance - Cash-out - Other   B B B B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 160 (redacted)   32622763     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   GA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 160 (redacted)   32622764     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 2 A A A A N/A N/A     A A   GA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 161 (redacted)   32622785     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   GA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 162 (redacted)   32622811     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/26/2024 2 A A A A A A A A A A   GA Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 162 (redacted)   32622812     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing[redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/26/2024 3 D D A A N/A N/A     D D   GA Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 162 (redacted)   32622813     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		   Property inspected post disaster but  [redacted] declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date.  [redacted] SitusAMC,Originator,Aggregator Reviewer Comment (2024-11-26): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines.  Client elects to waive with compensating factors.
     11/26/2024 2 B B B B B B B B B B   GA Primary Refinance - Cash-out - Other   D D B B A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 163 (redacted)   32622876     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   GA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 163 (redacted)   32622877     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief.[redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/26/2024 2 A A A A N/A N/A     A A   GA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 164 (redacted)   32622905     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/29/2024 2 A A A A A A A A A A   GA Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 164 (redacted)   32622906     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/27/2024 3 D D A A N/A N/A     D D   GA Primary Refinance - Cash-out - Other   D D A A A A D D Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 165 (redacted)   32622950     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/03/2024 2 A A A A A A A A A A   GA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 165 (redacted)   32622951     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-02): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/02/2024 3 D D A A N/A N/A     D D   GA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 166 (redacted)   32706911     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 11/20/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 166 (redacted)   32706912     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines.
     11/20/2024 2 A A A A N/A N/A     A A   CA Primary Refinance - Cash-out - Other   A A A A A A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
(redacted) 167 (redacted)   32706946     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/09/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 167 (redacted)   32706947     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/06/2024 3 D D A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 168 (redacted)   32706998     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___         Reviewer Comment (2024-12-02): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/02/2024 3 D D A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 168 (redacted)   32706999     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/02/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 169 (redacted)   32707002     Compliance TRID Transaction Error TRID This loan was reviewed to a limited compliance scope.  Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review.  This exception is for informational purposes only and does not impact grading.                 12/05/2024 2 A A A A A A A A A A   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
(redacted) 169 (redacted)   32707003     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] Note Date:  ___; Lien Position: ___ The file was missing the secondary valuation required for securitization purposes.       Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines.
     12/05/2024 3 D D A A N/A N/A     D D   CA Primary Refinance - Cash-out - Other   D D A A A A D D Safe Harbor QM (APOR) Safe Harbor QM (APOR) No