GS Mortgage Securities Corp. ABS-15G
Exhibit 99.3 - Schedule 3
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | xxxxxx1991 | Closed | 2024-06-07 23:56 | 2024-06-13 19:25 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient Income Documentation | Resolved-Updated URLA and 1008 provided. - Due Diligence Vendor-06/13/2024 Ready for Review-Document Uploaded. Corrected 1008 & URLA - Seller-06/11/2024 Open-Income reflected on 1008 and Final 1003 reflect $XXXX which does not match Bank Statement Income Worksheet income of $XXXX. - Due Diligence Vendor-06/07/2024 |
Ready for Review-Document Uploaded. Corrected 1008 & URLA - Seller-06/11/2024 |
Resolved-Updated URLA and 1008 provided. - Due Diligence Vendor-06/13/2024 |
XXXX | GA | Second Home | Purchase | NA | 1803900 | N/A | N/A | ||||
| XXXX | xxx1112 | Closed | 2024-09-06 18:00 | 2024-09-13 16:43 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Second Valuation provided. - Due Diligence Vendor-09/13/2024 Ready for Review-Document Uploaded. - Seller-09/12/2024 Open-Second Appraisal/ Valuation is Missing Required for Securitizations Second valuation missing. - Due Diligence Vendor-09/06/2024 |
Ready for Review-Document Uploaded. - Seller-09/12/2024 |
Resolved-Second Valuation provided. - Due Diligence Vendor-09/13/2024 |
XXXX | IN | Investment | Refinance | Cash Out - Other | 2323926 | N/A | N/A | ||||
| XXXX | xxx3531 | Closed | 2024-09-07 08:04 | 2024-09-25 20:56 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Required Document provided, Changes Made In system. Finding Resolved - Due Diligence Vendor-09/13/2024 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/13/2024 Ready for Review-Document Uploaded. - Seller-09/12/2024 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Required Addition Valuation Report as per Guidelines. - Due Diligence Vendor-09/07/2024 |
Ready for Review-Document Uploaded. - Seller-09/12/2024 |
Resolved-Required Document provided, Changes Made In system. Finding Resolved - Due Diligence Vendor-09/13/2024 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/13/2024 |
XXXX | OH | Investment | Refinance | Cash Out - Other | 2326745 | N/A | N/A | ||||
| XXXX | xxx3531 | Closed | 2024-09-07 08:03 | 2024-09-16 12:10 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Updated to No Experience - Due Diligence Vendor-09/16/2024 Ready for Review-Document Uploaded. XXXX- XXXX - Uploaded a Credit Memo and Borrower Experience snapshot to show that the borrower does not have experience since they only own 2 properties. - Seller-09/13/2024 Open-As per Loan Application and Credit Borrower qualified as Experienced Provided only 2 Properties Including Subject, Required 3 Properties profile report with 36 months Ownership and Also with Updated Loan Application Correct REO Schedule. - Due Diligence Vendor-09/07/2024 |
Ready for Review-Document Uploaded. XXXX - XXXX - Uploaded a Credit Memo and Borrower Experience snapshot to show that the borrower does not have experience since they only own 2 properties. - Seller-09/13/2024 |
Resolved-Updated to No Experience - Due Diligence Vendor-09/16/2024 |
XXXX | OH | Investment | Refinance | Cash Out - Other | 2326744 | N/A | N/A | ||||
| XXXX | xxx3531 | Closed | 2024-09-10 18:12 | 2024-09-11 19:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/11/2024 Resolved-Received sizer with correct terms - Due Diligence Vendor-09/11/2024 Ready for Review-Document Uploaded. XXXX - XXXX - Uploaded V2 UW Sizer - Seller-09/10/2024 Open-1008 Document is Missing Credit Memo has this as I/O for 360 months. Need updated Memo as this is a Fixed Rate - Due Diligence Vendor-09/10/2024 |
Ready for Review-Document Uploaded.XXXX - XXXX- Uploaded V2 UW Sizer - Seller-09/10/2024 |
Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/11/2024 Resolved-Received sizer with correct terms - Due Diligence Vendor-09/11/2024 |
XXXX | OH | Investment | Refinance | Cash Out - Other | 2345235 | N/A | N/A | ||||
| XXXX | xxx2506 | Closed | 2024-09-05 10:14 | 2024-09-16 14:47 | Resolved | 1 - Information | C | A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-09/16/2024 Ready for Review-Document Uploaded. Revised HUD attached - please see interest from date of XXXX - Seller-09/12/2024 Counter- - Due Diligence Vendor-09/12/2024 Ready for Review-This HUD still shows XXXX. - Due Diligence Vendor-09/10/2024 Ready for Review-Document Uploaded. - Seller-09/09/2024 Open-Final HUD-1 Closing Date of XXXX is not the same date as the Notary Acknowledgement Date of XXXX. As per XXXX closing date XXXX but HUD1 is provided on XXXX please confirm on the same. - Due Diligence Vendor-09/05/2024 |
Ready for Review-Document Uploaded. Revised HUD attached - please see interest from date of XXXX - Seller-09/12/2024 Ready for Review-Document Uploaded. - Seller-09/09/2024 |
Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-09/16/2024 |
XXXX | MO | Investment | Refinance | Cash Out - Other | 2311601 | N/A | N/A | ||||
| XXXX | xxx2506 | Closed | 2024-09-05 06:20 | 2024-09-13 08:11 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-CDA document provided. - Due Diligence Vendor-09/13/2024 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/13/2024 Ready for Review-Document Uploaded. - Seller-09/12/2024 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Second Appraisal/ Valuation is Missing - Due Diligence Vendor-09/05/2024 |
Ready for Review-Document Uploaded. - Seller-09/12/2024 |
Resolved-CDA document provided. - Due Diligence Vendor-09/13/2024 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/13/2024 |
XXXX | MO | Investment | Refinance | Cash Out - Other | 2311066 | N/A | N/A | ||||
| XXXX | xxx2558 | Closed | 2024-09-07 05:58 | 2024-09-13 12:10 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Required Document provided, Changes Made In system. Finding Resolved - Due Diligence Vendor-09/13/2024 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/13/2024 Ready for Review-Document Uploaded. - Seller-09/12/2024 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX As per Gl's Required Additional Valuation document. - Due Diligence Vendor-09/07/2024 |
Ready for Review-Document Uploaded. - Seller-09/12/2024 |
Resolved-Required Document provided, Changes Made In system. Finding Resolved - Due Diligence Vendor-09/13/2024 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/13/2024 |
XXXX | IN | Investment | Refinance | Cash Out - Other | 2326655 | N/A | N/A | ||||
| XXXX | xxxxxx2262 | Closed | 2024-12-02 06:40 | 2024-12-24 12:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Max LTV is XXXX(XXXX cash out), loan was approved , closed and funded with a XXXX% LTV. Seeking an exception to allow the XXXX% LTV. Borrower refinanced one of his investment properties (XXXX) on XXXX and paid off XXXX of $XXXX and assumed a new payment of $XXXX(shows on proceeds ledger) which I included in the required reserves. Unable to determine how much proceeds the borrower received but according to the ledger it appears to be $XXXX which I am not using as reserves since we don't show this money coming into the borrowers bank account nor do we know the exact amount of his proceeds. - Due Diligence Vendor-12/24/2024 Ready for Review-Document Uploaded. Exception Approval - Seller-12/23/2024 Open-Audited LTV Exceeds Guideline LTV Per matrix, max LTV for refi-cash out is XXXX% , however audited LTV is XXXX%. Provide UW exception for LTV exceeding guideline requirement. - Due Diligence Vendor-12/02/2024 |
Ready for Review-Document Uploaded. Exception Approval - Seller-12/23/2024 |
Waived-Max LTV is XXXX%(XXXX%-XXXX% cash out), loan was approved , closed and funded with a XXXX% LTV. Seeking an exception to allow the XXXX% LTV. Borrower refinanced one of his investment properties (XXXX) on XXXX and paid off Longhorn mortgage of $XXXX and assumed a new payment of $XXXX(shows on proceeds ledger) which I included in the required reserves. Unable to determine how much proceeds the borrower received but according to the ledger it appears to be $XXXX which I am not using as reserves since we don't show this money coming into the borrowers bank account nor do we know the exact amount of his proceeds. - Due Diligence Vendor-12/24/2024 |
XXXX | 3.14 months of reserves, only 2 months required ($XXXX), rents primary since 2011 and 28 months of 0x30 REO | IN | Investment | Refinance | Cash Out - Other | 2903904 | Originator Post-Close | Yes | |||
| XXXX | xxxxxx2262 | Closed | 2024-12-02 06:04 | 2024-12-16 12:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/16/2024 Resolved-received cleared fraud report - Due Diligence Vendor-12/11/2024 Ready for Review-Document Uploaded. Cleared Alerts - Seller-12/09/2024 Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-12/02/2024 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-12/09/2024 |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/16/2024 Resolved-received cleared fraud report - Due Diligence Vendor-12/11/2024 |
XXXX | IN | Investment | Refinance | Cash Out - Other | 2903810 | N/A | N/A | ||||
| XXXX | xxxxxx2262 | Closed | 2024-12-06 03:08 | 2024-12-16 12:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Updated identification card provided. - Due Diligence Vendor-12/16/2024 Ready for Review-Document Uploaded. Updated ID - Seller-12/12/2024 Open-B1 photo id expiration date of XXXX is expired before Note date of XXXX - Due Diligence Vendor-12/06/2024 |
Ready for Review-Document Uploaded. Updated ID - Seller-12/12/2024 |
Resolved-Updated identification card provided. - Due Diligence Vendor-12/16/2024 |
ID.pdf | IN | Investment | Refinance | Cash Out - Other | 2945276 | N/A | N/A | ||||
| XXXX | xxxxxx6784 | Closed | 2024-12-04 11:42 | 2024-12-17 17:41 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-comment provided on how the loan closed sufficient - Due Diligence Vendor-12/17/2024 Counter-Please provide updated Loan approval as the one in file states it is a low ratio DSCR 40yr - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded. This loan did not close as a low ratio DSCR. It is a DSCR 40 YR I/O loan - Seller-12/13/2024 Open-Loan amount is incorrect in approval due to which the LTV HCLTV CLTV had variance Loan program on approval is low ratio but as per calculation basis per documents DSCR is >1 which does not meet guidelines need updated loan approval - Due Diligence Vendor-12/04/2024 |
Ready for Review-Document Uploaded. This loan did not close as a low ratio DSCR. It is a XXXX loan - Seller-12/13/2024 |
Resolved-comment provided on how the loan closed sufficient - Due Diligence Vendor-12/17/2024 |
XXXX | NC | Investment | Purchase | NA | 2925853 | N/A | N/A | ||||
| XXXX | xxxxxx6784 | Closed | 2024-12-04 08:52 | 2024-12-17 15:40 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Updated to XXXX. DSCR does meet requirements in this program. - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded. This loan did not close as a low ratio DSCR. It is a XXXX - Seller-12/13/2024 Open-As per calculation for Loan amount $XXXX LTV, CLTV,HCLTV is XXXXand DSCR is XXXX but as per approval DSCR is low ratio and guideline LTV isXXXX% max for low ration DSCR hence DSCR >XXXX is not meeting guideline requirement of XXXX min DSCR - Due Diligence Vendor-12/04/2024 |
Ready for Review-Document Uploaded. This loan did not close as a low ratio DSCR. It is a XXXX - Seller-12/13/2024 |
Resolved-Updated toXXXX. DSCR does meet requirements in this program. - Due Diligence Vendor-12/17/2024 |
XXXX | NC | Investment | Purchase | NA | 2925289 | N/A | N/A | ||||
| XXXX | xxxxxx6784 | Closed | 2024-12-04 07:13 | 2024-12-17 15:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Updated toXXXX. - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded. This loan did not close as a low ratio DSCR. It is a DSCR XXXX - Seller-12/13/2024 Open-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% As per calculation for Loan amount $XXXX LTV, CLTV,HCLTV is XXXX and DSCR is >XXXX but as per approval DSCR is low ratio and guideline LTV isXXXX% max for low ration DSCR hence Audited LTV of XXXX% exceeds Guideline LTV of XXXX% - Due Diligence Vendor-12/04/2024 |
Ready for Review-Document Uploaded. This loan did not close as a low ratio DSCR. It is a XXXX - Seller-12/13/2024 |
Resolved-Updated to XXXX. - Due Diligence Vendor-12/17/2024 |
XXXX | NC | Investment | Purchase | NA | 2924931 | N/A | N/A | ||||
| XXXX | xxxxxx6784 | Closed | 2024-12-04 04:18 | 2024-12-10 07:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-12/10/2024 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/10/2024 Ready for Review-Document Uploaded. 1008 - Seller-12/09/2024 Open-The 1008 document is missing from the loan file. The 1008 document is missing from the loan file but 1008 which is in file on pg 672 is incorrect - Due Diligence Vendor-12/04/2024 |
Ready for Review-Document Uploaded. 1008 - Seller-12/09/2024 |
Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-12/10/2024 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/10/2024 |
XXXX | NC | Investment | Purchase | NA | 2924551 | N/A | N/A | ||||
| XXXX | xxxxxx8774 | Closed | 2024-12-09 12:27 | 2024-12-13 14:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of XXXX% - Due Diligence Vendor-12/13/2024 Ready for Review-Document Uploaded. Final HUD & proof of funds to close showing loan was not a cash out - Seller-12/11/2024 Open-Audited LTV Exceeds Guideline LTV As per Final HUD Document Loan is cash out to Borrower and as per the Guideline Max LTV is XXXX% per system consider the XXXX% due to that there is deference in Audited LTV and Guideline LTV. - Due Diligence Vendor-12/09/2024 |
Ready for Review-Document Uploaded. Final HUD & proof of funds to close showing loan was not a cash out - Seller-12/11/2024 |
Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-12/13/2024 |
XXXX | IN | Investment | Refinance | No Cash Out - Borrower Initiated | 2958608 | N/A | N/A | ||||
| XXXX | xxxxxx8774 | Closed | 2024-12-10 23:38 | 2024-12-13 14:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/13/2024 Ready for Review-Document Uploaded. Final HUD1 signed & proof of funds to close - Seller-12/11/2024 Open-Missing the signature page for the final Hud - Due Diligence Vendor-12/10/2024 |
Ready for Review-Document Uploaded. Final HUD1 signed & proof of funds to close - Seller-12/11/2024 |
Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/13/2024 |
XXXX | IN | Investment | Refinance | No Cash Out - Borrower Initiated | 2977477 | N/A | N/A | ||||
| XXXX | xxxxxx7030 | Closed | 2024-12-11 12:44 | 2024-12-23 19:03 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. Gift funds and gift letter - Seller-12/16/2024 Open-Asset Record 2 Does Not Meet G/L Requirements Provide proof of funds for gift amount of $XXXX per gift letter on page #XXXX - Due Diligence Vendor-12/11/2024 |
Ready for Review-Document Uploaded. Gift funds and gift letter - Seller-12/16/2024 |
Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-12/18/2024 |
XXXX | IN | Investment | Purchase | NA | 2979193 | N/A | N/A | ||||
| XXXX | xxxxxx7030 | Closed | 2024-12-11 12:44 | 2024-12-23 19:03 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. Gift funds and gift letter - Seller-12/16/2024 Open-Asset Record 3 Does Not Meet G/L Requirements Provide proof of funds for gift amount of $XXXX per gift letter on page #XXXX - Due Diligence Vendor-12/11/2024 |
Ready for Review-Document Uploaded. Gift funds and gift letter - Seller-12/16/2024 |
Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-12/18/2024 |
XXXX | IN | Investment | Purchase | NA | 2979194 | N/A | N/A | ||||
| XXXX | xxxxxx7030 | Closed | 2024-12-11 06:22 | 2024-12-23 18:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-12/23/2024 Ready for Review-Document Uploaded. Assets - gift funds & bank statements - Seller-12/19/2024 Counter-Gift Funds Letter and wire provide. Borrower Post Close Reserves do not meet GL minimum of 3 months. - Due Diligence Vendor-12/18/2024 Ready for Review-Gift Funds Letter and wire provide. Borrower Post Close Reserves do not meet GL minimum of 3 months. - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. Gift funds - Seller-12/17/2024 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Per matrix 3 months of reserves are required when LTV is > XXXX%. Additional finding in place for unverified assets (gift letters) - Due Diligence Vendor-12/11/2024 |
Ready for Review-Document Uploaded. Assets - gift funds & bank statements - Seller-12/19/2024 Ready for Review-Document Uploaded. Gift funds - Seller-12/17/2024 |
Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-12/23/2024 |
XXXX | IN | Investment | Purchase | NA | 2978270 | N/A | N/A | ||||
| XXXX | xxxxxx7030 | Closed | 2024-12-11 20:14 | 2024-12-18 17:16 | Resolved | 1 - Information | C | A | Property | Property | Property Damage | Resolved-Additional Cost to Cure included in Comparable Sales section. - Due Diligence Vendor-12/18/2024 Ready for Review-UW Rebuttal: The appraiser did not call out the flooring and paint in the subject to. It is not health and safety, and he further addressed with a cost to cure in the comparables. This would all be acceptable per our guidelines. - Seller-12/16/2024 Open-Damaged Bathroom Floor and paint on floor noted in appraisal were not addressed in 1004d. Broken window and broken glass only items addressed. - Due Diligence Vendor-12/11/2024 |
Ready for Review-UW Rebuttal: The appraiser did not call out the flooring and paint in the subject to. It is not health and safety, and he further addressed with a cost to cure in the comparables. This would all be acceptable per our guidelines. - Seller-12/16/2024 |
Resolved-Additional Cost to Cure included in Comparable Sales section. - Due Diligence Vendor-12/18/2024 |
IN | Investment | Purchase | NA | 2985731 | N/A | N/A | |||||
| XXXX | xxxxxx7030 | Closed | 2024-12-11 04:55 | 2024-12-13 16:10 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/13/2024 Ready for Review-Freddie SSSR provided - Due Diligence Vendor-12/13/2024 Ready for Review-Document Uploaded. Freddie SSR - Seller-12/11/2024 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide secondary valuation as it is missing on file. - Due Diligence Vendor-12/11/2024 |
Ready for Review-Document Uploaded. Freddie SSR - Seller-12/11/2024 |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/13/2024 |
XXXX | IN | Investment | Purchase | NA | 2978033 | N/A | N/A | ||||
| XXXX | xxxxxx7030 | Closed | 2024-12-11 04:31 | 2024-12-12 08:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-12/12/2024 Resolved-Title Document is fully Present - Due Diligence Vendor-12/12/2024 Ready for Review-Document Uploaded. Prelim Title Report - Seller-12/11/2024 Open-Title Document is missing Title document as it is missing from file. - Due Diligence Vendor-12/11/2024 |
Ready for Review-Document Uploaded. Prelim Title Report - Seller-12/11/2024 |
Resolved-Title Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-12/12/2024 Resolved-Title Document is fully Present - Due Diligence Vendor-12/12/2024 |
XXXX | IN | Investment | Purchase | NA | 2978009 | N/A | N/A | ||||
| XXXX | xxxxxx7073 | Closed | 2024-12-11 11:55 | 2024-12-20 20:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Resolved-Updated 1003 provided - Due Diligence Vendor-12/20/2024 Ready for Review-Document Uploaded. 1003 - Seller-12/17/2024 Open-The Final 1003 is Incomplete Provide How long line of work Current Years. - Due Diligence Vendor-12/11/2024 |
Ready for Review-Document Uploaded. 1003 - Seller-12/17/2024 |
Resolved-Resolved-Updated 1003 provided - Due Diligence Vendor-12/20/2024 |
XXXX | FL | Primary Residence | Purchase | NA | 2978987 | N/A | N/A | ||||
| XXXX | xxxxxx7073 | Closed | 2024-12-11 10:12 | 2024-12-17 16:49 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded. XXXX with LCA score of XXXX - Seller-12/13/2024 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Secondary Valuation missing from file. - Due Diligence Vendor-12/11/2024 |
Ready for Review-Document Uploaded.XXXX with LCA score of XXXX - Seller-12/13/2024 |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/17/2024 |
XXXX | FL | Primary Residence | Purchase | NA | 2978630 | N/A | N/A | ||||
| XXXX | xxxxxx7073 | Closed | 2024-12-11 11:40 | 2024-12-20 20:36 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.’s XXXX, and the Final Closing disclosure on Pg.’s XXXX, reflects escrows. Rate lock date was entered correctly – see Pg.’s XXXX,XXXX,XXXX. An interior and exterior appraisal was completed for this property – see pg.XXXX, the appraisal disclosure was provided to the borrower(s) pg's XXXX, XXXX and confirmation the appraisal was delivered to the borrower – see Pg. XXXX. The loan meets XXXX guidelines. - Due Diligence Vendor-12/20/2024 Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.’s XXXX, and the Final Closing disclosure on Pg.’s XXXX, reflects escrows. Rate lock date was entered correctly – see Pg.’s XXXX,XXXX,XXXX. An interior and exterior appraisal was completed for this property – see pg.XXXX, the appraisal disclosure was provided to the borrower(s) pg's XXXX, XXXX and confirmation the appraisal was delivered to the borrower – see Pg. XXXX. The loan meets XXXX guidelines. - Due Diligence Vendor-12/11/2024 |
Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.’s XXXX, and the Final Closing disclosure on Pg.’s XXXX, reflects escrows. Rate lock date was entered correctly – see Pg.’s XXXX,XXXX,XXXX. An interior and exterior appraisal was completed for this property – see pg.XXXX, the appraisal disclosure was provided to the borrower(s) pg's XXXX, XXXX and confirmation the appraisal was delivered to the borrower – see Pg. XXXX. The loan meets HPML guidelines. - Due Diligence Vendor-12/20/2024 Resolved-The loan's (XXXX%) APR equals or exceeds theXXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.’s XXXX, and the Final Closing disclosure on Pg.’s XXXX, reflects escrows. Rate lock date was entered correctly – see Pg.’s XXXX,XXXX,XXXX. An interior and exterior appraisal was completed for this property – see pg.XXXX, the appraisal disclosure was provided to the borrower(s) pg's XXXX, XXXX and confirmation the appraisal was delivered to the borrower – see Pg. XXXX. The loan meets XXXX guidelines. - Due Diligence Vendor-12/11/2024 |
FL | Primary Residence | Purchase | NA | 2978917 | N/A | N/A | ||||||
| XXXX | xxxxxx6334 | Closed | 2024-12-13 09:27 | 2024-12-20 14:19 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-12/20/2024 Ready for Review-Document Uploaded. CD’s and COC from XXXX , XXXX and XXXX - Seller-12/18/2024 Counter-COC dated XXXX reflects date of re-disclosure as XXXX. No 11/26 CD in file. Next CD dated XXXX is not within 3 days so COC XXXX can't be applied to that CD. - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. COC XXXX showing that there was a XXXX-day lock extension which lowered the Lender’s credit. The file already has the COC for XXXX showing another lock extension which now the loan has discount points. The COC XXXX another lock extension which increased the points from $XXXX to $XXXX - Seller-12/16/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX;XXXX; XXXX). Provide COC for Final CD XXXX. - Due Diligence Vendor-12/13/2024 |
Ready for Review-Document Uploaded. CD’s and COC from XXXX , XXXX and XXXX - Seller-12/18/2024 Ready for Review-Document Uploaded. COC XXXX showing that there was a XXXX-day lock extension which lowered the Lender’s credit. The file already has the COC for XXXX showing another lock extension which now the loan has discount points. The COC XXXX another lock extension which increased the points from $XXXX to $XXXX - Seller-12/16/2024 |
Resolved- - Due Diligence Vendor-12/20/2024 |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
TX | Primary Residence | Purchase | NA | 2999093 | N/A | N/A | ||||
| XXXX | xxxxxx6334 | Closed | 2024-12-13 09:27 | 2024-12-20 14:19 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-12/20/2024 Ready for Review-Document Uploaded. CD’s and COC from XXXX , XXXX and XXXX - Seller-12/18/2024 Counter-COC dated XXXX reflects date of re-disclosure as XXXX. No XXXX CD in file. Next CD dated XXXX is not within XXXX days so COC XXXX can't be applied to that CD. - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. COC XXXX showing that there was a XXXX-day lock extension which lowered the Lender’s credit. The file already has the COC for XXXX showing another lock extension which now the loan has discount points. The COC XXXX another lock extension which increased the points from $XXXX to $XXXX - Seller-12/16/2024 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX andXXXX XXXX and XXXX; XXXX; XXXX;XXXX). Provide COC for Final CD XXXX. - Due Diligence Vendor-12/13/2024 |
Ready for Review-Document Uploaded. CD’s and COC from XXXX , XXXX and XXXX - Seller-12/18/2024 Ready for Review-Document Uploaded. COC showing that there was a XXXX-day lock extension which lowered the Lender’s credit. The file already has the COC for XXXX showing another lock extension which now the loan has discount points. The COC XXXX another lock extension which increased the points from $XXXX to $XXXX - Seller-12/16/2024 |
Resolved- - Due Diligence Vendor-12/20/2024 |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
TX | Primary Residence | Purchase | NA | 2999094 | N/A | N/A | ||||
| XXXX | xxxxxx6334 | Closed | 2024-12-12 17:56 | 2024-12-19 18:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded. VVOE - Seller-12/18/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provided document incomplete Missing VOE Document date. - Due Diligence Vendor-12/12/2024 |
Ready for Review-Document Uploaded. VVOE - Seller-12/18/2024 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/19/2024 |
XXXX | TX | Primary Residence | Purchase | NA | 2993579 | N/A | N/A | ||||
| XXXX | xxxxxx6334 | Closed | 2024-12-12 17:56 | 2024-12-19 18:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-12/19/2024 Resolved-received lender income calculation, will lead to another finding for only having XXXX months bank statements - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-12/17/2024 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Worksheet / Income Calculator sheet. - Due Diligence Vendor-12/12/2024 |
Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-12/17/2024 |
Resolved-Validation Resolved' - Due Diligence Vendor-12/19/2024 Resolved-received lender income calculation, will lead to another finding for only having XXXX months bank statements - Due Diligence Vendor-12/18/2024 |
XXXX | TX | Primary Residence | Purchase | NA | 2993580 | N/A | N/A | ||||
| XXXX | xxxxxx6334 | Closed | 2024-12-18 13:42 | 2024-12-19 18:53 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-received XXXX months of bank statements - resolved - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded. XXXX months statements used for income - Seller-12/18/2024 Open-only have XXXX months and monthly income was calculated on XXXX months - XXXX months required - Due Diligence Vendor-12/18/2024 |
Ready for Review-Document Uploaded. XXXX months statements used for income - Seller-12/18/2024 |
Resolved-received XXXX months of bank statements - resolved - Due Diligence Vendor-12/19/2024 |
XXXX | TX | Primary Residence | Purchase | NA | 3030651 | N/A | N/A | ||||
| XXXX | xxxxxx6334 | Closed | 2024-12-18 13:52 | 2024-12-19 18:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded. Gap Credit - Seller-12/18/2024 Open-Borrower 1 Gap Credit Report is Missing Credit report within XXXX of closing required - Due Diligence Vendor-12/18/2024 |
Ready for Review-Document Uploaded. Gap Credit - Seller-12/18/2024 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/19/2024 |
XXXX | TX | Primary Residence | Purchase | NA | 3030750 | N/A | N/A | ||||
| XXXX | xxxxxx6334 | Closed | 2024-12-13 13:39 | 2024-12-16 07:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-12/16/2024 Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/16/2024 Ready for Review-Document Uploaded. DOT & PUD Rider - Seller-12/13/2024 Open-The Deed of Trust is Missing In e-file DOT property address not matching with Subject Property address. , Provide with Subject Property address. - Due Diligence Vendor-12/13/2024 |
Ready for Review-Document Uploaded. DOT & PUD Rider - Seller-12/13/2024 |
Resolved-Deed of Trust uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-12/16/2024 Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/16/2024 |
XXXX | TX | Primary Residence | Purchase | NA | 2999988 | N/A | N/A | ||||
| XXXX | xxxxxx6334 | Closed | 2024-12-13 09:27 | 2024-12-20 14:19 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-12/20/2024 Resolved-The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX This loan failed the higher-priced mortgage loan test. XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.’s XXXX, and the Final Closing disclosure on Pg.’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg.’s XXXX ,XXXX ,XXXX. An interior and exterior appraisal was completed for this property – see pg.XXXX, the appraisal disclosure was provided to the borrower(s) and confirmation the appraisal was delivered to the borrower – see Pg.’s XXXX ,XXXX . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/13/2024 |
Resolved- - Due Diligence Vendor-12/20/2024 Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.’s XXXX, and the Final Closing disclosure on Pg.’s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg.’s XXXX,XXXX,XXXX. An interior and exterior appraisal was completed for this property – see pg.XXXX, the appraisal disclosure was provided to the borrower(s) and confirmation the appraisal was delivered to the borrower – see Pg.’s XXXX,XXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-12/13/2024 |
TX | Primary Residence | Purchase | NA | 2999095 | N/A | N/A | ||||||
| XXXX | xxxxxx8742 | Closed | 2024-12-17 06:54 | 2024-12-27 14:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/27/2024 Ready for Review-Document Uploaded. VVOEs - Seller-12/24/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VOE as it is missing on file - Due Diligence Vendor-12/17/2024 |
Ready for Review-Document Uploaded. VVOEs - Seller-12/24/2024 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/27/2024 |
XXXX XXXX |
HI | Investment | Purchase | NA | 3019194 | N/A | N/A | ||||
| XXXX | xxxxxx5528 | Closed | 2025-02-11 14:48 | 2025-02-13 11:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-UpdatedXXXX with XXXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/13/2025 Resolved-All XXXXts have been cleared or None Exist - Due Diligence Vendor-02/13/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/12/2025 Open-Fraud Report Shows Uncleared Alerts The XXXX Connect Alerts Summary document shows a total of XXXX High alerts, only XXXX of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-02/11/2025 |
Ready for Review-Document Uploaded. XXXX - Seller-02/12/2025 |
Resolved-Updated XXXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/13/2025 Resolved-All XXXX have been cleared or None Exist - Due Diligence Vendor-02/13/2025 |
XXXX | CA | Investment | Refinance | Cash Out - Other | 3395625 | N/A | N/A | ||||
| XXXX | xxxxxx5528 | Closed | 2025-02-11 15:34 | 2025-02-13 11:57 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/13/2025 Ready for Review-Document Uploaded. Loan Approval - Seller-02/12/2025 Open-XXXX is Missing. AXXXXc was provided, but it is not matching with the Final documents. The borrower name & property address are different. Provide the correct Lender Approval document for this loan. - Due Diligence Vendor-02/11/2025 |
Ready for Review-Document Uploaded. Loan Approval - Seller-02/12/2025 |
Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/13/2025 |
XXXX | CA | Investment | Refinance | Cash Out - Other | 3396275 | N/A | N/A | ||||
| XXXX | xxxxxx5528 | Closed | 2025-02-11 18:20 | 2025-02-12 13:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Document labeled "Borrower's Final Settlement Statement" received, and it was stamped as Final by the Title company. System updated. Resolved. - Due Diligence Vendor-02/12/2025 Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/12/2025 Ready for Review-Document Uploaded. Final HUD1 stamped certified - Seller-02/12/2025 Open-Final HUD-1 Document is Preliminary/Estimated Only. The HUD-1 or Settlement Statement that is marked as Final is missing from the loan file. - Due Diligence Vendor-02/11/2025 |
Ready for Review-Document Uploaded. Final HUD1 stamped certified - Seller-02/12/2025 |
Resolved-Document labeled "Borrower's Final Settlement Statement" received, and it was stamped as Final by the Title company. System updated. Resolved. - Due Diligence Vendor-02/12/2025 Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/12/2025 |
XXXX | CA | Investment | Refinance | Cash Out - Other | 3399219 | N/A | N/A | ||||
| XXXX | xxxxxx2877 | Closed | 2025-02-10 18:00 | 2025-02-20 18:34 | Resolved | 1 - Information | C | A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-XXXX verifies $XXXX EMD backed out of funds. Resolved - Due Diligence Vendor-02/20/2025 Ready for Review-Document Uploaded. Ledger from title showing the EMD back to borrower - Seller-02/18/2025 Counter-Receipt from XXXX County Title Agency for $XXXX EMD in file. No documentation provided that reflects change in Sales Contract, EMD funds backed out or funds returned to Borrower. PCCD with EMD funds reflected with adjusted Funds to/From Borrower, refund, LOX and proof of delivery to borrower required. - Due Diligence Vendor-02/13/2025 Ready for Review-Document Uploaded. UW Response: EMD is not showing on CD or PCCD as it was backed out - Seller-02/12/2025 Open-EMD, in the amount of $XXXX per receipt (pg's. XXXX and XXXX) is not reflected on Final or PCCD's. - Due Diligence Vendor-02/10/2025 |
Ready for Review-Document Uploaded. Ledger from title showing the EMD back to borrower - Seller-02/18/2025 Ready for Review-Document Uploaded. UW Response: EMD is not showing on CD or PCCD as it was backed out - Seller-02/12/2025 |
Resolved-LEdger verifies $XXXX EMD backed out of funds. Resolved - Due Diligence Vendor-02/20/2025 |
XXXX XXXX |
WY | Primary Residence | Purchase | NA | 3387644 | N/A | N/A | ||||
| XXXX | xxxxxx2877 | Closed | 2025-02-06 17:42 | 2025-02-20 18:39 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX, XXXX An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX,XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-02/20/2025 Resolved-The loan's (XXXX%) APR equals or exceeds the XXXXL threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy XXXX even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX, XXXX An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX,XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-02/06/2025 |
Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX, XXXX An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX,XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-02/20/2025 Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While theXXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX, XXXX An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX,XXXX , and copy of the appraisal was given to the borrower – see Pg#’s XXXX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-02/06/2025 |
WY | Primary Residence | Purchase | NA | 3367120 | N/A | N/A | ||||||
| XXXX | xxxxxx3557 | Closed | 2025-02-10 19:00 | 2025-03-10 16:39 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Corrected 1008 received. Issue resolved. - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded. Updated 1008 - Seller-03/10/2025 Counter-Corrected 1003, First Payment Letter, and Initial Escrow Account Disclosure provided, along with a PCCD. However, a corrected 1008 is still missing showing the change. Current 1008 considered $XXXX of special assessment fee where as per documentation in file it is $XXXX per month or $XXXX per year as additional taxes, per page #XXXX. This would make total taxes $XXXX. - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded. Updated docs for taxes, e-signed by borrower - Seller-03/07/2025 Open-Per the Final 1008, $XXXX in additional Taxes for Special Assessments (XXXX) were counted as a monthly PITIA expense. This was not captured on the Final CD. File is missing evidence of the underwriter-calculated $XXXX. Per the "XXXX Property Tax Disclosure Report For New Construction/New Homes" (on page XXXX),XXXX assessments were $XXXX + $XXXX + $XXXX = $XXXX / XXXX months = $XXXX monthly. However, there is no evidence whether this amount was included in the $XXXX semi-annual amount provided on the Tax and Insurance Information Sheet. - Due Diligence Vendor-02/10/2025 |
Ready for Review-Document Uploaded. Updated 1008 - Seller-03/10/2025 Ready for Review-Document Uploaded. Updated docs for taxes, e-signed by borrower - Seller-03/07/2025 |
Resolved-Corrected 1008 received. Issue resolved. - Due Diligence Vendor-03/10/2025 |
XXXX XXXX XXXX |
CA | Primary Residence | Purchase | NA | 3388648 | N/A | N/A | ||||
| XXXX | xxxxxx3557 | Closed | 2025-02-06 08:46 | 2025-03-03 19:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. Cleared alerts - Seller-03/03/2025 Open-Fraud Report Shows Uncleared Alerts The XXXXAlerts Summary document shows a total of XXXX High alerts, only XXXX of which were cleared; and XXXX Medium alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-02/06/2025 |
Ready for Review-Document Uploaded. XXXX - Seller-03/03/2025 |
Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/03/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3362711 | N/A | N/A | ||||
| XXXX | xxxxxx3557 | Closed | 2025-02-06 07:45 | 2025-03-03 19:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Calculation sheets received $XXXX + $XXXX = $XXXX total income. System updated. Resolved. - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. Legible Asset Worksheet - Seller-03/03/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Due to imaging errors in the upload, income calculation worksheet on page #XXXX for checking #XXXX is not reflecting legible numbers to verify the exact deposits. Per the Final 1003 and the 1008, qualifying income was $XXXX. Provide the income calculation worksheet(s) validating this amount. - Due Diligence Vendor-02/06/2025 |
Ready for Review-Document Uploaded. Legible Asset Worksheet - Seller-03/03/2025 |
Resolved-Income Calculation sheets received $XXXX + $XXXX = $XXXX total income. System updated. Resolved. - Due Diligence Vendor-03/03/2025 |
XXXX | CA | Primary Residence | Purchase | NA | 3362585 | N/A | N/A | ||||
| XXXX | xxxxxx4047 | Closed | 2025-02-11 10:20 | 2025-02-14 11:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/14/2025 Resolved-Borrower 1 Gap XXXX is not missing. - Due Diligence Vendor-02/14/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-02/13/2025 Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-02/11/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-02/13/2025 |
Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/14/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/14/2025 |
XXXX | OR | Primary Residence | Purchase | NA | 3393881 | N/A | N/A | ||||
| XXXX | xxxxxx4047 | Closed | 2025-02-11 11:51 | 2025-02-13 19:13 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-PCCD received. Noted the $XXXX refund back to the borrower. System updated. Mavent XXXX review now passes. Resolved. - Due Diligence Vendor-02/13/2025 Ready for Review-Document Uploaded. PCCD that was issued on XXXX is attached. The two fees in question were lowered. The Lender Title Policy charged at the settlement table was $XXXX so it went down from the disclosed amount of $XXXX. The Recording Service Fee that was added was listed at the closing table at $XXXX dollars. The PCCD shows that we issued a cure of $XXXX to borrowers. We do not need to do anything else on this loan - Seller-02/13/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Recording Service Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX; XXXX; XXXX). Lender’s Title Policy increased from $XXXX to $XXXX and the Recording Service Fee increased from $XXXX to $XXXX between the Revised LE XXXX and the Initial CDXXXX. A valid COC is required. - Due Diligence Vendor-02/11/2025 |
Ready for Review-Document Uploaded. XXXX that was issued on XXXXis attached. The two fees in question were lowered. The Lender Title Policy charged at the settlement table was $XXXX so it went down from the disclosed amount of $XXXX. The Recording Service Fee that was added was listed at the closing table at $XXXX dollars. The XXXX shows that we issued a cure of $XXXXto borrowers. We do not need to do anything else on this loan - Seller-02/13/2025 |
Resolved-XXXXreceived. Noted the $XXXXrefund back to the borrower. System updated. XXXX review now passes. Resolved. - Due Diligence Vendor-02/13/2025 |
XXXX | OR | Primary Residence | Purchase | NA | 3394169 | N/A | N/A | ||||
| XXXX | xxxxxx4047 | Closed | 2025-02-11 10:53 | 2025-02-13 19:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-02/13/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/13/2025 Open-Fraud Report Shows Uncleared Alerts The XXXX XXXX document shows a total of 3 High alerts, only 2 of which were cleared; and 3 Medium alerts, only 1 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-02/11/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-02/13/2025 |
Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-02/13/2025 |
XXXX | OR | Primary Residence | Purchase | NA | 3393978 | N/A | N/A | ||||
| XXXX | xxxxxx4047 | Closed | 2025-02-12 15:52 | 2025-02-13 19:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Worksheets received. System updated. Resolved. - Due Diligence Vendor-02/13/2025 Ready for Review-Document Uploaded. All the income worksheets - Seller-02/13/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Due to an error with the upload, the Bank Statement calculation worksheets were not entirely legible. Please provide the four (4) different calculation worksheets for the four (4) different accounts that were used. - Due Diligence Vendor-02/12/2025 |
Ready for Review-Document Uploaded. All the income worksheets - Seller-02/13/2025 |
Resolved-Worksheets received. System updated. Resolved. - Due Diligence Vendor-02/13/2025 |
XXXX | OR | Primary Residence | Purchase | NA | 3406894 | N/A | N/A | ||||
| XXXX | xxxxxx2332 | Closed | 2025-02-12 09:03 | 2025-02-18 21:01 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-02/18/2025 Ready for Review-Document Uploaded. Compliance response: screenshot attached showing that we setup the file with a credit report fee of XXXX. When generating any of our LE’s our system drops the cents and just lists the dollar amount. When our system generates the CD, it shows the whole amount. There was no change to the credit report fee - Seller-02/14/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX; XXXX; XXXX). - Due Diligence Vendor-02/12/2025 Open-Provide COC for Increase in Credit Fee $XXXX from LE $XXXX to Initial CD $XXXX - Due Diligence Vendor-02/12/2025 |
Ready for Review-Document Uploaded. Compliance response: screenshot attached showing that we setup the file with a credit report fee of XXXX. When generating any of our LE’s our system drops the cents and just lists the dollar amount. When our system generates the CD, it shows the whole amount. There was no change to the credit report fee - Seller-02/14/2025 |
Resolved-Resolved - Due Diligence Vendor-02/18/2025 |
XXXX | VA | Primary Residence | Refinance | Cash Out - Other | 3404178 | N/A | N/A | ||||
| XXXX | xxxxxx5220 | Closed | 2025-03-10 17:58 | 2025-03-12 15:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Cleared Fraud report provided - Due Diligence Vendor-03/12/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/11/2025 Open-Fraud Report Shows Uncleared Alerts Fraud Report reflects uncleared High Alerts - Due Diligence Vendor-03/10/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/11/2025 |
Resolved-Cleared Fraud report provided - Due Diligence Vendor-03/12/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/12/2025 |
XXXX | TX | Primary Residence | Refinance | Cash Out - Other | 3572352 | N/A | N/A | ||||
| XXXX | xxxxxx8015 | Closed | 2025-03-09 07:21 | 2025-03-13 20:09 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-UW Exception for loan amount below minimum provided - Due Diligence Vendor-03/13/2025 Ready for Review-Document Uploaded. Exception Approval for the loan amount - Seller-03/12/2025 Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Audited Loan Amount $XXXXis less than Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-03/09/2025 |
Ready for Review-Document Uploaded. Exception Approval for the loan amount - Seller-03/12/2025 |
Waived-UW Exception for loan amount below minimum provided - Due Diligence Vendor-03/13/2025 |
XXXX | 170+ months assets DTI belowXXXX %. max allowed XXXX% |
MI | Investment | Purchase | NA | 3564720 | Originator Pre-Close | Yes | |||
| XXXX | xxxxxx8607 | Closed | 2025-03-10 05:20 | 2025-03-18 17:32 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/18/2025 Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-03/13/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than XXXXdays from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than XXXXDays from Closing/Settlement Date) - Due Diligence Vendor-03/10/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-03/13/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/18/2025 Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/14/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3565967 | N/A | N/A | ||||
| XXXX | xxxxxx8607 | Closed | 2025-03-14 12:25 | 2025-03-18 11:59 | Resolved | 1 - Information | A | A | Servicing | Pay History | Pay History Review: Missing Payment History | Resolved-Pay history of $XXXX for a minimum of 12 months received. System updated. Resolved. - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded. Rent History - Seller-03/17/2025 Open-Need VOR for rental only show 3 in amount of XXXX on bank statements provided. - Due Diligence Vendor-03/14/2025 |
Ready for Review-Document Uploaded. Rent History - Seller-03/17/2025 |
Resolved-Pay history of $XXXX for a minimum of 12 months received. System updated. Resolved. - Due Diligence Vendor-03/18/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3611545 | N/A | N/A | ||||
| XXXX | xxxxxx8607 | Closed | 2025-03-10 11:09 | 2025-03-14 12:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003 and employment page. - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. Updated 1003 - Seller-03/13/2025 Open-The Final 1003 is Incomplete Provide the updated F1003. The Business Name/ Employer ( XXXX) Name not showing F1003. - Due Diligence Vendor-03/10/2025 |
Ready for Review-Document Uploaded. Updated 1003 - Seller-03/13/2025 |
Resolved-Updated 1003 and employment page. - Due Diligence Vendor-03/14/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3566999 | N/A | N/A | ||||
| XXXX | xxxxxx8607 | Closed | 2025-03-10 06:54 | 2025-03-14 09:24 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. Loan Approval - Seller-03/13/2025 Open- - Due Diligence Vendor-03/10/2025 |
Ready for Review-Document Uploaded. Loan Approval - Seller-03/13/2025 |
Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/14/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3566238 | N/A | N/A | ||||
| XXXX | xxxxxx8607 | Closed | 2025-03-10 05:26 | 2025-03-12 09:53 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/12/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. XXXX- Seller-03/11/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater thanXXXX Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-03/10/2025 |
Ready for Review-Document Uploaded. XXXX- Seller-03/11/2025 |
Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/12/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/12/2025 |
XXXX | TX | Primary Residence | Purchase | NA | 3565981 | N/A | N/A | ||||
| XXXX | xxxxxx8607 | Closed | 2025-03-10 06:41 | 2025-03-18 17:38 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-03/18/2025 Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’327, and the Final Closing disclosure on Pg#’159, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’ 437,361,128. An interior and exterior appraisal was completed for this property – see pg# 26, the appraisal disclosure was provided to the borrower(s)- see Pg#’25,24, and confirmation the appraisal was delivered to the borrower – see Pg#’25,24. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-03/10/2025 |
Resolved-. - Due Diligence Vendor-03/18/2025 Resolved-The loan's (XXXX APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 XXXX This loan failed the higher-priced mortgage loan test. ( XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’327, and the Final Closing disclosure on Pg#’159, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’ 437,361,128. An interior and exterior appraisal was completed for this property – see pg# 26, the appraisal disclosure was provided to the borrower(s)- see Pg#’25,24, and confirmation the appraisal was delivered to the borrower – see Pg#’25,24. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-03/10/2025 |
TX | Primary Residence | Purchase | NA | 3566201 | N/A | N/A | ||||||
| XXXX | xxxxxx8665 | Closed | 2025-03-11 20:01 | 2025-03-13 20:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report with cleared alerts provided - Due Diligence Vendor-03/13/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/12/2025 Open-Fraud Report Shows Uncleared Alerts Fraud report reflect uncleared high alerts - Due Diligence Vendor-03/11/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/12/2025 |
Resolved-Fraud report with cleared alerts provided - Due Diligence Vendor-03/13/2025 |
XXXX | CA | Second Home | Purchase | NA | 3585354 | N/A | N/A | ||||
| XXXX | xxxxxx8665 | Closed | 2025-03-10 14:40 | 2025-03-13 05:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Final 1003 & 1008 with corrected income uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/13/2025 Resolved-Validation Resolved' - Due Diligence Vendor-03/13/2025 Ready for Review-Document Uploaded. Updated 1003/1008 to reflect income that was on income worksheet that was delivered in loan file - Seller-03/12/2025 Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided Lender Asset Utilization Income Calculation sheet, pg. 344, reflects $XXXX and does not match the F1003 & 1008 income of $XXXX. - Due Diligence Vendor-03/10/2025 |
Ready for Review-Document Uploaded. Updated 1003/1008 to reflect income that was on income worksheet that was delivered in loan file - Seller-03/12/2025 |
Resolved-Updated Final 1003 & 1008 with corrected income uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/13/2025 Resolved-Validation Resolved' - Due Diligence Vendor-03/13/2025 |
XXXX | CA | Second Home | Purchase | NA | 3569064 | N/A | N/A | ||||
| XXXX | xxxxxx8665 | Closed | 2025-03-10 09:11 | 2025-03-12 15:42 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/12/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded.XXXX - Seller-03/11/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXXSecond Appraisal/ Valuation is Missing. - Due Diligence Vendor-03/10/2025 |
Ready for Review-Document Uploaded. XXXX- Seller-03/11/2025 |
Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/12/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/12/2025 |
XXXX | CA | Second Home | Purchase | NA | 3566602 | N/A | N/A | ||||
| XXXX | xxxxxx8665 | Closed | 2025-03-10 10:27 | 2025-03-12 15:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Second Home Rider | Resolved-DOT with all Riders provided. Resolved - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. DOT with Riders - Seller-03/11/2025 Open-Missing Second Home Rider - Due Diligence Vendor-03/10/2025 |
Ready for Review-Document Uploaded. DOT with Riders - Seller-03/11/2025 |
Resolved-DOT with all Riders provided. Resolved - Due Diligence Vendor-03/12/2025 |
XXXX | CA | Second Home | Purchase | NA | 3566820 | N/A | N/A | ||||
| XXXX | xxxxxx8665 | Closed | 2025-03-11 19:57 | 2025-03-12 15:39 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. Final Title Policy - Seller-03/11/2025 Open-Title Coverage Amount of $XXXX is Less than Loan Amount Prelim Title missing loan/coverage amount. - Due Diligence Vendor-03/11/2025 |
Ready for Review-Document Uploaded. Final Title Policy - Seller-03/11/2025 |
Resolved-Title Coverage Amount of $XXXXis equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/12/2025 |
XXXX | CA | Second Home | Purchase | NA | 3585317 | N/A | N/A | ||||
| XXXX | xxxxxx5077 | Closed | 2025-03-09 07:41 | 2025-03-12 10:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/12/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/11/2025 Open-Fraud Report Shows Uncleared Alerts Fraud Report shows 2 high and 2 low uncleared alerts. - Due Diligence Vendor-03/09/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/11/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/12/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/12/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3564733 | N/A | N/A | ||||
| XXXX | xxxxxx5077 | Closed | 2025-03-08 18:52 | 2025-03-12 08:46 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Short Form Residential loan Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-03/12/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. Final Title Policy - Seller-03/11/2025 Open-Title Coverage Amount of $XXXX is Less than Loan Amount Title document on file is missing coverage amount. - Due Diligence Vendor-03/08/2025 |
Ready for Review-Document Uploaded. Final Title Policy - Seller-03/11/2025 |
Resolved-Short Form Residential loan Policy uploaded, Title Coverage Amount of $XXXXis equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-03/12/2025 Resolved-Title Coverage Amount of $XXXXis equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/12/2025 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3564299 | N/A | N/A | ||||
| XXXX | xxxxxx8196 | Closed | 2025-03-11 19:27 | 2025-03-12 12:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated XXXX page and XXXX page - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. Final HUD1 - Seller-03/11/2025 Open-Final HUD-1 Document is Missing. Need executed final hud with ledger for payoff of prior lien based on 1003 lien is on the property. - Due Diligence Vendor-03/11/2025 |
Ready for Review-Document Uploaded. Final HUD1 - Seller-03/11/2025 |
Resolved-Updated XXXXpage andXXXXpage - Due Diligence Vendor-03/12/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Lender Initiated | 3584885 | N/A | N/A | ||||
| XXXX | xxxxxx8196 | Closed | 2025-03-09 11:14 | 2025-03-12 09:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/12/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/11/2025 Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-03/09/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/11/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/12/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/12/2025 |
XXXX | FL | Investment | Refinance | No Cash Out - Lender Initiated | 3564887 | N/A | N/A | ||||
| XXXX | xxxxxx4675 | Closed | 2025-03-11 04:31 | 2025-03-18 12:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded. Updated 1003 showing correct start date for new job. So no 2024 W2 needed - Seller-03/17/2025 Open-Borrower 1 W2/1099 Missing Provide W2 as its missing in file - Due Diligence Vendor-03/11/2025 |
Ready for Review-Document Uploaded. Updated 1003 showing correct start date for new job. So no 2024 XXXX needed - Seller-03/17/2025 |
Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-03/18/2025 |
XXXX | OR | Primary Residence | Refinance | Cash Out - Other | 3577120 | N/A | N/A | ||||
| XXXX | xxxxxx4675 | Closed | 2025-03-11 04:58 | 2025-03-17 10:03 | Resolved | 1 - Information | C | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Freddie Mac Provided with LCA Score. - Due Diligence Vendor-03/17/2025 Ready for Review-Document Uploaded. Freddie SSR - Seller-03/14/2025 Open-A second property valuation needs to be provided. File XXXX and/orXXXX report page XXXX score is more than XXXX file needs an Appraisal Desk Review. - Due Diligence Vendor-03/11/2025 |
Ready for Review-Document Uploaded.XXXX - Seller-03/14/2025 |
Resolved-Freddie Mac Provided with LCA Score. - Due Diligence Vendor-03/17/2025 |
XXXX | OR | Primary Residence | Refinance | Cash Out - Other | 3577180 | N/A | N/A | ||||
| XXXX | xxxxxx4675 | Closed | 2025-03-11 06:30 | 2025-03-18 13:04 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-03/18/2025 Resolved-The loan's XXXX APR equals or exceeds the Federal HPML threshold of XXXX. The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX XXXXa)(1)(i)) This loan failed the higher-priced mortgage loan test. XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXXX and the Final Closing disclosure on Pg XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXXX. An interior and exterior appraisal was completed for this property – see Pg XXXX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg XXXX The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-03/11/2025 |
Resolved- - Due Diligence Vendor-03/18/2025 Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on PgXXXX and the Final Closing disclosure on Pg XXXX, Finding reflects escrows. Rate lock date was entered correctly – XXXX. An interior and exterior appraisal was completed for this property – see PgXXXX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower –XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/11/2025 |
OR | Primary Residence | Refinance | Cash Out - Other | 3577454 | N/A | N/A | ||||||
| XXXX | xxxxxx4675 | Closed | 2025-03-11 04:55 | 2025-03-17 10:01 | Rescinded | 1 - Information | A | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Rescinded-HOA Questionnaire is Missing or Partial. - Due Diligence Vendor-03/17/2025 Resolved-HOA Questionnaire is Missing or Partial. PUD does not require questionnaire - Due Diligence Vendor-03/11/2025 |
Rescinded-HOA Questionnaire is Missing or Partial. - Due Diligence Vendor-03/17/2025 Resolved-HOA Questionnaire is Missing or Partial. PUD does not require questionnaire - Due Diligence Vendor-03/11/2025 |
OR | Primary Residence | Refinance | Cash Out - Other | 3577170 | N/A | N/A | ||||||
| XXXX | xxxxxx8004 | Closed | 2025-03-18 10:41 | 2025-03-20 16:45 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Certified Stamped Final Closing Statement received. System updated. Resolved. - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. Certified Stamped Final HUD1 - Seller-03/20/2025 Open-Final HUD-1 Document is Missing. • File is missing the certified Final HUD-1 or Final Settlement Statement, signed or stamped by the Settlement Agent. - Due Diligence Vendor-03/18/2025 |
Ready for Review-Document Uploaded. Certified Stamped Final HUD1 - Seller-03/20/2025 |
Resolved-Certified Stamped Final Closing Statement received. System updated. Resolved. - Due Diligence Vendor-03/20/2025 |
XXXX | NJ | Investment | Refinance | Cash Out - Other | 3633451 | N/A | N/A | ||||
| XXXX | xxxxxx8004 | Closed | 2025-03-18 10:30 | 2025-03-19 22:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025 Open-Fraud Report Shows Uncleared Alerts • The XXXX document shows a total of XXXX High alerts, only XXXXof which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/18/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025 |
Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/19/2025 |
XXXX | NJ | Investment | Refinance | Cash Out - Other | 3633410 | N/A | N/A | ||||
| XXXX | xxxxxx8985 | Closed | 2025-03-18 09:36 | 2025-03-19 22:13 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR unknown | Resolved-DSCR calculator received. DSCR calculations match. No issues. Finding resolved. - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. DSCR Calculation - Seller-03/19/2025 Open-Audited DSCR is XXXX, which is based off the PITIA of XXXX and the Market Rents of XXXX. Lender's DSCR worksheet is missing; unable to validate the lender's DSCR calculations to determine if there is a variance. - Due Diligence Vendor-03/18/2025 |
Ready for Review-Document Uploaded. DSCR Calculation - Seller-03/19/2025 |
Resolved-DSCR calculator received. DSCR calculations match. No issues. Finding resolved. - Due Diligence Vendor-03/19/2025 |
XXXX | AZ | Investment | Refinance | Cash Out - Other | 3633263 | N/A | N/A | ||||
| XXXX | xxxxxx8985 | Closed | 2025-03-18 13:51 | 2025-03-19 22:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025 Open-Fraud Report Shows Uncleared Alerts • The XXXX Summary document is missing. With the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-03/18/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025 |
Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/19/2025 |
XXXX | AZ | Investment | Refinance | Cash Out - Other | 3635022 | N/A | N/A | ||||
| XXXX | xxxxxx5185 | Closed | 2025-03-17 13:27 | 2025-03-19 16:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Documentation and explanation received. System updated with the info. Validation Resolved. - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. Pay history. Borrower only opened this since 9/2024 and paid from XXXX-XXXX. There is the annual account statement showing payments and then the mortgage statements through XXXX - Seller-03/19/2025 Open-VOR/VOM Doc Status should not be 'Missing'. • Unable to verify complete Housing Payment history. Per the Title, the borrower has owned the property since 3/15/2018 and there are two mortgages on the property (the Title, items #XXXX & #XXXX) that were paid off on the CD. However, these mortgages were not on the Credit Report. A Letter from XXXX (one lien) is in file to validate that housing history. However, a VOM is missing for the XXXX Mortgage (the other lien). - Due Diligence Vendor-03/17/2025 |
Ready for Review-Document Uploaded. Pay history. Borrower only opened this since XXXX and paid fromXXXX . There is the annual account statement showing payments and then the mortgage statements through XXXX - Seller-03/19/2025 |
Resolved-Documentation and explanation received. System updated with the info. Validation Resolved. - Due Diligence Vendor-03/19/2025 |
XXXX | ID | Primary Residence | Refinance | Cash Out - Other | 3624296 | N/A | N/A | ||||
| XXXX | xxxxxx5185 | Closed | 2025-03-13 16:19 | 2025-03-19 16:42 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with a score of XXXX and R&W eligible. System updated. Resolved. - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. Freddie SSR - Seller-03/19/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXX orXXXX report with a score less than XXXX, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. Freddie SSR - Seller-03/19/2025 |
Resolved-FHLMC UCDP/SSR received with a score of XXXX and R&W eligible. System updated. Resolved. - Due Diligence Vendor-03/19/2025 |
XXXX | ID | Primary Residence | Refinance | Cash Out - Other | 3604107 | N/A | N/A | ||||
| XXXX | xxxxxx5185 | Closed | 2025-03-13 16:30 | 2025-03-18 21:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/18/2025 Open-Fraud Report Shows Uncleared Alerts • The XXXX document shows a total of 8 High alerts, only XXXX of which were cleared; and XXXX Medium alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/18/2025 |
Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/18/2025 |
XXXX | ID | Primary Residence | Refinance | Cash Out - Other | 3604206 | N/A | N/A | ||||
| XXXX | xxxxxx9610 | Closed | 2025-03-17 20:29 | 2025-03-20 13:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/18/2025 Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/17/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/18/2025 |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025 |
XXXX | OR | Primary Residence | Purchase | NA | 3630354 | N/A | N/A | ||||
| XXXX | xxxxxx9610 | Closed | 2025-03-13 06:06 | 2025-03-18 08:44 | Resolved | 1 - Information | C | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded.XXXX - Seller-03/17/2025 Open-Provide Secondary Valuation or Additional Valuation per saucerization guideline requirements. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. Freddie SSR - Seller-03/17/2025 |
Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/18/2025 |
XXXX | OR | Primary Residence | Purchase | NA | 3598989 | N/A | N/A | ||||
| XXXX | xxxxxx6071 | Closed | 2025-03-13 12:23 | 2025-03-21 14:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. 1003 – too show sufficient reserves - Seller-03/18/2025 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Provide additional Assets. We have verified However it is not meeting the reserves requirement, Provide additional Assets to meet Reserves Requirement. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. 1003 – too show sufficient reserves - Seller-03/18/2025 |
Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-03/20/2025 |
XXXX | AZ | Investment | Purchase | NA | 3600500 | N/A | N/A | ||||
| XXXX | xxxxxx6071 | Closed | 2025-03-13 12:53 | 2025-03-20 13:06 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-received bank statements with XXXX and XXXX for proof of EMD received/cleared - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. EMD Documentation - Seller-03/19/2025 Open-Provide the proof Earnest Money XXXX it is reflecting in Final XXXX proof of document missing. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. EMD Documentation - Seller-03/19/2025 |
Resolved-received bank statements with XXXX and XXXX for proof of EMD received/cleared - Due Diligence Vendor-03/20/2025 |
XXXX | AZ | Investment | Purchase | NA | 3600735 | N/A | N/A | ||||
| XXXX | xxxxxx6071 | Closed | 2025-03-13 11:35 | 2025-03-20 13:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-received complete DOT re-recorded - resolved - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. Correct Recorded DOT - Seller-03/18/2025 Open- - Due Diligence Vendor-03/18/2025 Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded. Letter of Intent to Re-record & corrected page XXXX of DOT with PUD Rider box checked - Seller-03/17/2025 Open-The Deed of Trust is Missing Provide updated DOT with PUD Rider check mark on it. PUD Rider on pageXXXX . - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. Correct Recorded DOT - Seller-03/18/2025 Ready for Review-Document Uploaded. Letter of Intent to Re-record & corrected page XXXX of DOT with PUD Rider box checked - Seller-03/17/2025 |
Resolved-received complete DOT re-recorded - resolved - Due Diligence Vendor-03/20/2025 Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/18/2025 |
XXXX | AZ | Investment | Purchase | NA | 3600143 | N/A | N/A | ||||
| XXXX | xxxxxx6071 | Closed | 2025-03-13 12:37 | 2025-03-19 09:45 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR unknown | Resolved-Calculated DSCR of XXXX matches with the uploaded DSCR Calculator, Verified - Resolved - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. DSCR updated to match Selene findings - Seller-03/18/2025 Open-Correctly calculated DSCR Ratio is Rent amount XXXX. and Originator Consider DSCR Ratio is Rent amountXXXX, Variance is XXXX due Originator Consider HOI Monthly premium amount XXXX, but HOI Monthly premium amount XXXX (XXXX)updated as per HOI Document. on pageXXXX. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. DSCR updated to match Selene findings - Seller-03/18/2025 |
Resolved-Calculated DSCR of 0.891 matches with the uploaded DSCR Calculator, Verified - Resolved - Due Diligence Vendor-03/19/2025 |
XXXX | AZ | Investment | Purchase | NA | 3600611 | N/A | N/A | ||||
| XXXX | xxxxxx6071 | Closed | 2025-03-13 09:32 | 2025-03-19 09:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/19/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. 1008 - Seller-03/18/2025 Open-The 1008 document is missing from the loan file. 1008 Document is Missing - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. 1008 - Seller-03/18/2025 |
Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/19/2025 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/19/2025 |
XXXX | AZ | Investment | Purchase | NA | 3599498 | N/A | N/A | ||||
| XXXX | xxxxxx7667 | Closed | 2025-03-17 17:48 | 2025-03-21 12:22 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-03/20/2025 Open-Borrower 1 Gap Credit Report is Expired (XXXX). - Due Diligence Vendor-03/17/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-03/20/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/21/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 3628046 | N/A | N/A | ||||
| XXXX | xxxxxx7667 | Closed | 2025-03-13 09:48 | 2025-03-19 10:19 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 Document uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. Updated 1008 - Seller-03/18/2025 Open-Audited DTI is XXXX and Lender DTI is XXXX. the difference is XXXX. This is due to the difference in monthly liabilities. Lender considered all other monthly payments as XXXX whereas per documentation it is XXXX (XXXX). GAP credit report also missing from file. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. Updated 1008 - Seller-03/18/2025 |
Resolved-Updated 1008 Document uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved - Due Diligence Vendor-03/19/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 3599541 | N/A | N/A | ||||
| XXXX | xxxxxx7667 | Closed | 2025-03-13 09:33 | 2025-03-19 10:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/19/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/18/2025 Open-Fraud Report Shows Uncleared Alerts Fraud report shows uncleared alerts. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/18/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/19/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/19/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 3599500 | N/A | N/A | ||||
| XXXX | xxxxxx7320 | Closed | 2025-03-17 16:59 | 2025-04-23 18:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-VOM provided and updated. - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. VOM - Seller-04/23/2025 Open-VOR/VOM Doc Status should not be 'Missing'. - Due Diligence Vendor-03/26/2025 Open-VOR/VOM Doc Status should not be 'Missing'. XXXX required to show payment history if XXXX - Due Diligence Vendor-03/17/2025 |
Ready for Review-Document Uploaded. VOM - Seller-04/23/2025 |
Resolved-VOM provided and updated. - Due Diligence Vendor-04/23/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 3627175 | N/A | N/A | ||||
| XXXX | xxxxxx7320 | Closed | 2025-03-13 12:36 | 2025-03-26 08:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-03/25/2025 Open-Borrower 2 Gap Credit Report is Missing Provide bwr#2 GAP credit report as it is missing from file. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-03/25/2025 |
Resolved-Borrower 2 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/26/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 3600596 | N/A | N/A | ||||
| XXXX | xxxxxx7320 | Closed | 2025-03-13 12:36 | 2025-03-26 08:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-03/25/2025 Open-Borrower 1 Gap Credit Report is Missing Provide bwr#1 GAP credit report as it is missing from file. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-03/25/2025 |
Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/26/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 3600595 | N/A | N/A | ||||
| XXXX | xxxxxx7320 | Closed | 2025-03-13 12:49 | 2025-03-19 10:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/19/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/18/2025 Open-Fraud Report Shows Uncleared Alerts Fraud report shows uncleared alerts. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/18/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/19/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/19/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 3600709 | N/A | N/A | ||||
| XXXX | xxxxxx7320 | Closed | 2025-03-13 12:38 | 2025-03-18 08:24 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/18/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded. XXXX - Seller-03/17/2025 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. XXXX SSR - Seller-03/17/2025 |
Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/18/2025 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/18/2025 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 3600620 | N/A | N/A | ||||
| XXXX | xxxxxx7320 | Closed | 2025-03-17 16:59 | 2025-03-26 08:48 | Resolved | 1 - Information | A | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the 1008 Page is ' XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is ' XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. per GLs primary wage earner mid score - resolved - Due Diligence Vendor-03/17/2025 | Resolved-Qualifying FICO on the 1008 Page is ' XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is ' XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. per GLs primary wage earner mid score - resolved - Due Diligence Vendor-03/17/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 3627177 | N/A | N/A | ||||||
| XXXX | xxxxxx7320 | Closed | 2025-03-13 13:34 | 2025-03-17 17:28 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's XXXX%) APR equals or exceeds the XXXX XXXX threshold of ( XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXXX and the Final Closing disclosure on page # XXXX reflects escrows. Rate lock date was entered correctly – see page # XXXX. An interior and exterior appraisal was completed for this property – see page # XXXX and the appraisal disclosure was provided to the borrower(s)- see page # XXXX, XXXX and confirmation the appraisal was delivered to the borrower – see page # XXXX, XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/13/2025 | Resolved-The loan's ( XXXX%) APR equals or exceeds the Federal HPML threshold of ( XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is ( XXXX%).( XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXXX and the Final Closing disclosure on page # XXXX reflects escrows. Rate lock date was entered correctly – see page # XXXX. An interior and exterior appraisal was completed for this property – see page # XXXX and the appraisal disclosure was provided to the borrower(s)- see page # XXXX, XXXX and confirmation the appraisal was delivered to the borrower – see page # XXXX, XXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-03/13/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 3601218 | N/A | N/A | ||||||
| XXXX | xxxxxx7073 | Closed | 2025-03-14 08:14 | 2025-04-15 20:28 | Resolved | 1 - Information | C | A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-Resolved - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. Rate Stack - Seller-04/08/2025 Counter-Selene is unable to count any of the charged points as Bona Fide. To qualify for Bona Fide, the points must buy down the rate . XXXX% for each point charged. Computation: *Undiscounted Rate is XXXX%. *Note Rate is XXXX%. The $ XXXX discount points reduced the undiscounted rate by . XXXX%. *. XXXX / XXXX% (Points) = . XXXX (which is less than the standard . XXXX to XXXX ratio). - Due Diligence Vendor-04/04/2025 Open-You submitted a late fee amount of ($ XXXX) and a ( XXXX%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed XXXX% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. ( XXXX) - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. Compliance Response: This loan is not a high-cost loan, please see attached Compliance Ease. And since it is not a High-Cost loan, it is a Fixed rate conventional loan Non-QM, so the late fee is XXXX%. - Seller-03/18/2025 Open-You submitted a late fee amount of ($ XXXX) and a ( XXXX%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. ( XXXX)) - Due Diligence Vendor-03/14/2025 |
Ready for Review-Document Uploaded. Rate Stack - Seller-04/08/2025 Ready for Review-Document Uploaded. Compliance Response: This loan is not a high-cost loan, please see attached Compliance Ease. And since it is not a High-Cost loan, it is a Fixed rate conventional loan XXXX, so the late fee is XXXX%. - Seller-03/18/2025 |
Resolved-Resolved - Due Diligence Vendor-04/15/2025 |
XXXX XXXX |
CA | Primary Residence | Refinance | Cash Out - Other | 3610291 | N/A | N/A | ||||
| XXXX | xxxxxx7073 | Closed | 2025-03-14 08:14 | 2025-04-15 20:28 | Resolved | 1 - Information | C | A | Compliance | Mavent | HighCost: APR/FEES | Resolved-Resolved - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. Compliance Response - Seller-04/11/2025 Counter- - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. Rate Stack - Seller-04/08/2025 Counter-Selene is unable to count any of the charged points as Bona Fide. To qualify for Bona Fide, the points must buy down the rate . XXXX% for each point charged. Computation: *Undiscounted Rate is XXXX%. *Note Rate is XXXX%. The $ XXXX discount points reduced the undiscounted rate by . XXXX%. *. XXXX / XXXX% (Points) = . XXXX (which is less than the standard . XXXX to XXXX ratio). - Due Diligence Vendor-04/04/2025 Counter-We have noticed CE provided does not include the Broker fee towards high-cost tolerance, our compliance engine counts it toward high-cost calculations, please provide evidence supporting the exclusion of this fee from the high-cost testing. - Due Diligence Vendor-03/25/2025 Open-The loan fees ($ XXXX) exceed the ( XXXX) (Note Amount >=$ XXXX) fee limit, which is XXXX% of the Total Loan Amount ($ XXXX), the difference is ($ XXXX). ( XXXX). - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. Compliance Response: This loan is not a high-cost loan, please see attached Compliance Ease. And since it is not a High-Cost loan, it is a Fixed rate conventional loan Non-QM, so the late fee is XXXX%. - Seller-03/18/2025 Open-The loan fees ($ XXXX0) exceed the (FED2014) (Note Amount >=$ XXXX) fee limit, which is XXXX% of the Total Loan Amount ($ XXXX), the difference is ($ XXXX). ( XXXX). The loan fees ($ XXXX) exceed the ( XXXX) (Note Amount >=$ XXXX) fee limit, which is XXXX% of the Total Loan Amount ($ XXXX0), the difference is ($ XXXX). ( XXXX). - Due Diligence Vendor-03/14/2025 |
Ready for Review-Document Uploaded. Compliance Response - Seller-04/11/2025 Ready for Review-Document Uploaded. Rate Stack - Seller-04/08/2025 Ready for Review-Document Uploaded. Compliance Response: This loan is not a high-cost loan, please see attached Compliance Ease. And since it is not a High-Cost loan, it is a Fixed rate conventional loan XXXX, so the late fee is XXXX%. - Seller-03/18/2025 |
Resolved-Resolved - Due Diligence Vendor-04/15/2025 |
XXXX XXXX XXXX XXXX XXXX |
CA | Primary Residence | Refinance | Cash Out - Other | 3610292 | N/A | N/A | ||||
| XXXX | xxxxxx7073 | Closed | 2025-03-20 16:56 | 2025-04-15 20:28 | Resolved | 1 - Information | C | A | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-Resolved - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. Rate Stack - Seller-04/08/2025 Counter-Selene is unable to count any of the charged points as Bona Fide. To qualify for Bona Fide, the points must buy down the rate . XXXX% for each point charged. Computation: *Undiscounted Rate is XXXX%. *Note Rate is XXXX%. The $ XXXX discount points reduced the undiscounted rate by . XXXX%. *. XXXX / XXXX% (Points) = . XXXX (which is less than the standard . XXXX to XXXX ratio). - Due Diligence Vendor-04/04/2025 Open-This is a Federal High Cost Loan. Since the loan file does not contain a XXXX Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section XXXX disclosures at least XXXX business days prior to consummation, in violation of XXXX)) - Due Diligence Vendor-03/20/2025 |
Ready for Review-Document Uploaded. Rate Stack - Seller-04/08/2025 |
Resolved-Resolved - Due Diligence Vendor-04/15/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3659417 | N/A | N/A | ||||
| XXXX | xxxxxx7073 | Closed | 2025-03-14 07:18 | 2025-03-20 09:00 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient Income Documentation | Resolved-Business Narrative uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. Business Narrative - Seller-03/19/2025 Open-Self employment Business Narrative form is missing in the file - Due Diligence Vendor-03/14/2025 |
Ready for Review-Document Uploaded. Business Narrative - Seller-03/19/2025 |
Resolved-Business Narrative uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/20/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3610130 | N/A | N/A | ||||
| XXXX | xxxxxx7073 | Closed | 2025-03-14 07:30 | 2025-03-20 08:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/20/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-03/19/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/14/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-03/19/2025 |
Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/20/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/20/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3610160 | N/A | N/A | ||||
| XXXX | xxxxxx7073 | Closed | 2025-03-14 07:42 | 2025-03-20 08:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/20/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025 Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings - Due Diligence Vendor-03/14/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025 |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/20/2025 Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3610190 | N/A | N/A | ||||
| XXXX | xxxxxx7073 | Closed | 2025-03-14 07:08 | 2025-03-19 10:04 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Supplement uploaded, Title Coverage Amount of $ XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-03/19/2025 Resolved-Title Coverage Amount of $ XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. Title Insurance Policy - Seller-03/18/2025 Open-Title Coverage Amount of $ XXXX is Less than Loan Amount $ XXXX. provide title policy. - Due Diligence Vendor-03/14/2025 |
Ready for Review-Document Uploaded. XXXX Insurance Policy - Seller-03/18/2025 |
Resolved-Title Supplement uploaded, Title Coverage Amount of $ XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-03/19/2025 Resolved-Title Coverage Amount of $ XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/19/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3610088 | N/A | N/A | ||||
| XXXX | xxxxxx9611 | Closed | 2025-03-17 04:55 | 2025-03-26 13:15 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-received updated docs with correct figures - resolved - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Updated XXXX and XXXX - Seller-03/25/2025 Counter-Dups still incude dups on all other toal of XXXX updated XXXX removed the XXXX but left dups totaling XXXX mtg. should be XXXX reo of neg net rental XXXX not included in the monthly income with XXXX add rent loss back in then subtract out dups. Audited DTIs: front end DTI is XXXX% back end DTI is XXXX% - Due Diligence Vendor-03/24/2025 Ready for Review-Document Uploaded. Updated 1008 - Seller-03/20/2025 Open-Audited DTI is XXXX and lender DTI is XXXX. The difference is XXXX.This is because lender considered below tradelines twice in final 1003: (1) XXXX XXXX XXXX credit (2) XXXX XXXX XXXX account - Due Diligence Vendor-03/17/2025 |
Ready for Review-Document Uploaded. Updated 1008 and 1003 - Seller-03/25/2025 Ready for Review-Document Uploaded. Updated 1008 - Seller-03/20/2025 |
Resolved-received updated docs with correct figures - resolved - Due Diligence Vendor-03/26/2025 |
XXXX XXXX |
FL | Primary Residence | Purchase | NA | 3622132 | N/A | N/A | ||||
| XXXX | xxxxxx9611 | Closed | 2025-03-17 04:21 | 2025-03-21 10:02 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/21/2025 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. Gap Credit - Seller-03/20/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than XXXX days from Closing/Settlement Date). Provide GAP credit report within XXXX days from closing date as the one on file dated XXXX which is expired - Due Diligence Vendor-03/17/2025 |
Ready for Review-Document Uploaded. Gap Credit - Seller-03/20/2025 |
Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/21/2025 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/21/2025 |
XXXX | FL | Primary Residence | Purchase | NA | 3622047 | N/A | N/A | ||||
| XXXX | xxxxxx8239 | Closed | 2025-03-19 06:51 | 2025-03-31 06:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-03/31/2025 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. Gap Credit XXXX - Seller-03/28/2025 Open-Borrower 2 Gap Credit Report is Missing Provide bwr #2 GAP credit report as it is missing from file. - Due Diligence Vendor-03/19/2025 |
Ready for Review-Document Uploaded. Gap Credit B2 - Seller-03/28/2025 |
Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-03/31/2025 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/31/2025 |
XXXX | CA | Investment | Purchase | NA | 3643192 | N/A | N/A | ||||
| XXXX | xxxxxx8239 | Closed | 2025-03-19 06:51 | 2025-03-31 06:26 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/31/2025 Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Gap Credit - Borr 1 - Seller-03/25/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than XXXX days from Closing/Settlement Date). Provide bwr # XXXX credit as the one on file is dated XXXX whereas Note date is XXXX. - Due Diligence Vendor-03/19/2025 |
Ready for Review-Document Uploaded. Gap Credit - Borr 1 - Seller-03/25/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/31/2025 Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/26/2025 |
XXXX | CA | Investment | Purchase | NA | 3643191 | N/A | N/A | ||||
| XXXX | xxxxxx8239 | Closed | 2025-03-19 07:21 | 2025-03-26 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/26/2025 Resolved-Updated Fraud Report report. Resolved - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025 Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-03/19/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/26/2025 Resolved-Updated Fraud Report report. Resolved - Due Diligence Vendor-03/26/2025 |
XXXX | CA | Investment | Purchase | NA | 3643358 | N/A | N/A | ||||
| XXXX | xxxxxx6710 | Closed | 2025-03-20 20:16 | 2025-03-25 12:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025 Counter-Still XXXX low alert cleared - Due Diligence Vendor-03/24/2025 Ready for Review-Document Uploaded. Updated Fraud - Seller-03/24/2025 Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/20/2025 |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025 Ready for Review-Document Uploaded. Updated Fraud - Seller-03/24/2025 |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/25/2025 |
XXXX XXXX |
GA | Primary Residence | Refinance | Cash Out - Other | 3662612 | N/A | N/A | ||||
| XXXX | xxxxxx6710 | Closed | 2025-03-24 15:10 | 2025-03-24 16:03 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Non-Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg# XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and copy of the appraisal was given to the borrower – see Pg#’s XXXX for delivery confirmation of the appraisal. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/24/2025 Open-The loan's ( XXXX%) APR equals or exceeds the Federal XXXX threshold of ( XXXX%). The system determines the threshold by adding XXXX points to the comparable average prime offer rate index of ( XXXX%). The System applied this threshold because this ( XXXX) loan exceeds ($ XXXX0), which is the XXXX Mac conforming loan limit as of the date the loan's interest rate was set before consummation. ( XXXX)) - Due Diligence Vendor-03/24/2025 |
Resolved-This loan failed the higher-priced mortgage loan test. ( XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXXsome lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX and the Final Closing disclosure on Pg#’s XXXX reflects escrows. Rate lock date was entered correctly – see Pg# XXXX. An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and copy of the appraisal was given to the borrower – see Pg#’s XXXX for delivery confirmation of the appraisal. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-03/24/2025 |
GA | Primary Residence | Refinance | Cash Out - Other | 3679689 | N/A | N/A | ||||||
| XXXX | xxxxxx6710 | Closed | 2025-03-19 12:47 | 2025-03-24 12:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Ready for Review-Document Uploaded. Final CD XXXX - Seller-03/21/2025 Counter-received Post close CD signed on XXXX which was in file, please provide Final CD for closing date of XXXX - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. Final CDs - Seller-03/20/2025 Open-TRID: Missing Final Closing Disclosure Provide Final Closing Discloser. Final Closing Discloser missing in file. - Due Diligence Vendor-03/19/2025 |
Ready for Review-Document Uploaded. Final CD XXXX - Seller-03/21/2025 Ready for Review-Document Uploaded. Final CDs - Seller-03/20/2025 |
XXXX XXXX |
GA | Primary Residence | Refinance | Cash Out - Other | 3644989 | N/A | N/A |