J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.28
| ALT ID | Seller Loan ID | Seller | Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| 304889681 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-16 17:37 | 2026-01-29 09:35 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Sufficient coverage provided. - Due Diligence Vendor-01/29/2026 Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-01/29/2026 Ready for Review-please see attached doc XX 1.28 - Due Diligence Vendor-01/28/2026 Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX Policy requires that the amount of title insurance coverage must be greater than or equal to the original principal amount of the mortgage. - Due Diligence Vendor-12/16/2025 |
Resolved-Sufficient coverage provided. - Due Diligence Vendor-01/29/2026 Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-01/29/2026 |
XXXXXXX_1.pdf | WA | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 6652288 | N/A | N/A | |||
| 304889327 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-20 21:31 | 2026-01-02 18:01 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Received verification from insurance agent, that indicates the dwelling of $XX,XXX covers the replacement cost of the property. Condition cleared. - Due Diligence Vendor-01/02/2026 Ready for Review-12/29 XX: See attached, dwelling of $XX,XXX covers the replacement cost - Due Diligence Vendor-12/29/2025 Open-Hazard Insurance Coverage Amount of $XXXXX is less than Total Amount of Subject Lien(s) of $XXXXX.XX - Due Diligence Vendor-12/21/2025 |
Resolved-Received verification from insurance agent, that indicates the dwelling of $XXXXXXX covers the replacement cost of the property. Condition cleared. - Due Diligence Vendor-01/02/2026 |
XXXXXXX_1.pdf | TX | Investment | Refinance | Cash Out - Other | 6723951 | N/A | N/A | |||
| 304907232 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-15 13:54 | 2025-12-29 07:51 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX , however disbursement date is XX/XX/XXXX. - Due Diligence Vendor-12/29/2025 | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX , however disbursement date is XX/XX/XXXX. - Due Diligence Vendor-12/29/2025 |
CA | Primary Residence | Purchase | NA | 6630864 | Investor Post-Close | No | ||||
| 304893383 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-24 02:37 | 2026-01-16 08:57 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/08/2026 Ready for Review-solar panel documents upld - Due Diligence Vendor-01/05/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing proof of documents for solar panel. - Due Diligence Vendor-12/24/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/08/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
MD | Primary Residence | Purchase | NA | 6783691 | N/A | N/A | |||
| 304893383 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-24 02:38 | 2026-01-08 15:56 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received solar docs. - Due Diligence Vendor-01/08/2026 Ready for Review-solar panel documents upld to previos condition - Due Diligence Vendor-01/05/2026 Open-Missing proof of documents for solar panel. - Due Diligence Vendor-12/24/2025 |
Resolved-Received solar docs. - Due Diligence Vendor-01/08/2026 |
MD | Primary Residence | Purchase | NA | 6783700 | N/A | N/A | ||||
| 304893383 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-22 05:12 | 2026-01-08 15:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-01/08/2026 Ready for Review-pat acts & id's for both bwr upld - Due Diligence Vendor-01/08/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-12/22/2025 |
Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-01/08/2026 |
XXXXXXX_1.pdf | MD | Primary Residence | Purchase | NA | 6730017 | N/A | N/A | |||
| 304893383 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-22 05:12 | 2026-01-08 15:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-01/08/2026 Ready for Review-pat acts & id's for both bwr upld to prev condition - Due Diligence Vendor-01/08/2026 Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-12/22/2025 |
Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-01/08/2026 |
MD | Primary Residence | Purchase | NA | 6730018 | N/A | N/A | ||||
| 305044937 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-13 11:59 | 2026-02-17 19:25 | Resolved | 1 - Information | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Received verification ARM disclosure provided timely. Condition cleared. - Due Diligence Vendor-02/18/2026 Ready for Review-Attached - Due Diligence Vendor-02/17/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-02/13/2026 |
Resolved-Received verification ARM disclosure provided timely. Condition cleared. - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | KS | Primary Residence | Purchase | NA | 7613218 | N/A | N/A | |||
| 305044937 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-16 06:56 | 2026-02-16 06:56 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/16/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/16/2026 |
KS | Primary Residence | Purchase | NA | 7629918 | Investor Post-Close | No | ||||
| 305030488 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 16:20 | 2026-02-18 14:04 | Resolved | 1 - Information | Credit | Assets | Asset 2 Expired | Resolved-Received updated asset statement, finding resolved. - Due Diligence Vendor-02/18/2026 Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-02/18/2026 Ready for Review-Please see attached - Due Diligence Vendor-02/12/2026 Open-Asset 2 Expired Retirement account provided dated XX/XX/XXXX is not within the most recent 90 days prior to the Note date of XX/XX/XXXX as required per lender guidelines. - Due Diligence Vendor-02/04/2026 |
Resolved-Received updated asset statement, finding resolved. - Due Diligence Vendor-02/18/2026 Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | NY | Investment | Purchase | NA | 7449831 | N/A | N/A | |||
| 305030488 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 16:20 | 2026-02-18 14:04 | Resolved | 1 - Information | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received updated asset statement, finding resolved. - Due Diligence Vendor-02/18/2026 Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026 Open-Asset Record 2 Does Not Meet G/L Requirements - Due Diligence Vendor-02/18/2026 Ready for Review-Please see attached - Due Diligence Vendor-02/12/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Retirement account provided dated XX/XX/XXXX is not within the most recent 90 days prior to the Note date of XX/XX/XXXX as required per lender guidelines. - Due Diligence Vendor-02/04/2026 |
Resolved-Received updated asset statement, finding resolved. - Due Diligence Vendor-02/18/2026 Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | NY | Investment | Purchase | NA | 7449830 | N/A | N/A | |||
| 305030487 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 13:21 | 2026-02-14 20:19 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 Open-Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-01/27/2026 |
Waived-Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 |
702 FICO > 680 min 45% DTI < 50% max |
NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7317295 | Investor Post-Close | No | |||
| 305030456 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 12:29 | 2026-03-27 06:36 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 71.59% exceeds Guideline LTV of 70% Current LTV/CLTV is 71.591%, which exceeds the standard 70% lender guideline for a 680 FICO score; however, a lender exception has been approved. - Due Diligence Vendor-02/01/2026 | Waived-Audited LTV of 71.59% exceeds Guideline LTV of 70% Current LTV/CLTV is 71.591%, which exceeds the standard 70% lender guideline for a 680 FICO score; however, a lender exception has been approved. - Due Diligence Vendor-02/01/2026 |
>=4 months additional reserves and <=$XXXX CDFI Hispanic >3 tradelines rated for > 5 years |
TX | Investment | Refinance | Cash Out - Other | 7389045 | Originator Post-Close | No | |||
| 305030456 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 12:29 | 2026-03-27 06:34 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 71.59% exceeds Guideline HCLTV of 70% Current LTV/CLTV is 71.591%, which exceeds the standard 70% lender guideline for a 680 FICO score; however, a lender exception has been approved. - Due Diligence Vendor-02/01/2026 | Waived-Audited HLTV of 71.59% exceeds Guideline HCLTV of 70% Current LTV/CLTV is 71.591%, which exceeds the standard 70% lender guideline for a 680 FICO score; however, a lender exception has been approved. - Due Diligence Vendor-02/01/2026 |
>=4 months additional reserves and <=$XXXX CDFI Hispanic >3 tradelines rated for > 5 years |
TX | Investment | Refinance | Cash Out - Other | 7389044 | Originator Post-Close | No | |||
| 305030456 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 12:29 | 2026-03-27 06:33 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 71.59% exceeds Guideline CLTV of 70% Current LTV/CLTV is 71.591%, which exceeds the standard 70% lender guideline for a 680 FICO score; however, a lender exception has been approved. - Due Diligence Vendor-02/01/2026 | Waived-Audited CLTV of 71.59% exceeds Guideline CLTV of 70% Current LTV/CLTV is 71.591%, which exceeds the standard 70% lender guideline for a 680 FICO score; however, a lender exception has been approved. - Due Diligence Vendor-02/01/2026 |
>=4 months additional reserves and <=$XXXX CDFI Hispanic >3 tradelines rated for > 5 years |
TX | Investment | Refinance | Cash Out - Other | 7389043 | Originator Post-Close | No | |||
| 305030444 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-03 18:08 | 2026-02-18 08:08 | Resolved | 1 - Information | Property | Property | Property is listed for sale | Resolved-The appraisal reflects no listings in the previous 12 months. The loan file also contains a XXX search showing the property is off the market. Loan meets guidelines, finding resolved. - Due Diligence Vendor-02/18/2026 Ready for Review-2-11, per Zillow property is not for sale. - Due Diligence Vendor-02/11/2026 Open-Borrower’s LOX indicates the property was listed for sale prior to refinance, according to the lender guidelines the LTV will be based on the lesser of the most recent list price or appraised value. missing copy of the sale listing with the list price to determine LTV. - Due Diligence Vendor-02/04/2026 |
Resolved-The appraisal reflects no listings in the previous 12 months. The loan file also contains a Zillow search showing the property is off the market. Loan meets guidelines, finding resolved. - Due Diligence Vendor-02/18/2026 |
UT | Investment | Refinance | Cash Out - Other | 7427793 | N/A | N/A | ||||
| 305030420 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 06:22 | 2026-02-16 15:53 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/16/2026 Ready for Review-Copy of lease with evidence of first month’s rent and security deposit was provided. DSCR = 1.30%. CLTV is within guidelines. - Due Diligence Vendor-02/16/2026 Ready for Review-Please see attached matrix as max ltv with a 786 fico is 85% ltv. Thank you. - Due Diligence Vendor-02/05/2026 Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% - Due Diligence Vendor-02/02/2026 |
Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | NY | Investment | Purchase | NA | 7393535 | N/A | N/A | |||
| 305030420 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 06:22 | 2026-02-16 15:53 | Resolved | 1 - Information | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-02/16/2026 Ready for Review-Copy of lease with evidence of first month’s rent and security deposit was provided. DSCR = 1.30%. HLTV is within guidelines. - Due Diligence Vendor-02/16/2026 Ready for Review-See matrix max ltv with a 786 fico is 85% on a purchase. Thank you. - Due Diligence Vendor-02/05/2026 Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-02/02/2026 |
Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | NY | Investment | Purchase | NA | 7393536 | N/A | N/A | |||
| 305030420 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 06:22 | 2026-02-16 15:53 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/16/2026 Ready for Review-Copy of lease with evidence of first month’s rent and security deposit was provided. DSCR = 1.30%. LTV is within guidelines. - Due Diligence Vendor-02/16/2026 Ready for Review-Please see lease attached along with security deposit & 1st mths rent. Thank you. - Due Diligence Vendor-02/05/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75% . The maximum LTV for a DSCR <1 is 75%. Audit DSCR =0.916 (Gross rent 3150/ 3439.48 (PITI)) - Due Diligence Vendor-02/02/2026 |
Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
NY | Investment | Purchase | NA | 7393537 | N/A | N/A | |||
| 304868677 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 13:07 | 2026-02-16 14:22 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/16/2026 Ready for Review-Master insurance policy for commercial general liability was received. - Due Diligence Vendor-02/16/2026 Ready for Review-Commercial liability - Due Diligence Vendor-02/04/2026 Open-Missing Hazard Insurance Policy Subject property is XXX. Missing commercial general liability insurance blanket policy against claims for personal injury, bodily injury, death or property damage as required per lender guidelines. - Due Diligence Vendor-02/01/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | NJ | Investment | Purchase | NA | 7389088 | N/A | N/A | |||
| 305030398 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-03 11:08 | 2026-02-16 19:05 | Resolved | 1 - Information | Compliance | Missing Doc | Condo Rider is Missing | Resolved-Mortgage document Uniform Covenants #38 provides the relevant terms for the condominium property. - Due Diligence Vendor-02/17/2026 Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/10/2026 Open-Condo Rider is Missing - Due Diligence Vendor-02/03/2026 |
Resolved-Mortgage document Uniform Covenants #38 provides the relevant terms for the condominium property. - Due Diligence Vendor-02/17/2026 |
FL | Investment | Refinance | Cash Out - Other | 7421361 | N/A | N/A | ||||
| 305030384 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 17:24 | 2026-02-18 15:26 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOR and VOM in file show current up to the month of closing, proof of December payments not required. Finding resolved. - Due Diligence Vendor-02/18/2026 Ready for Review-loan closed XX/XX/XXXX - mtg payment was not considered late; Dec payment not required. - Due Diligence Vendor-02/12/2026 Open- According to lender guidelines the VOR/ VOM verification needs to reflect a pay history up to the month the loan is closing. Missing verification for XX/XXXX for the VOR and VOM. - Due Diligence Vendor-02/06/2026 |
Resolved-VOR and VOM in file show current up to the month of closing, proof of December payments not required. Finding resolved. - Due Diligence Vendor-02/18/2026 |
NY | Investment | Refinance | Cash Out - Other | 7501090 | N/A | N/A | ||||
| 305030384 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 17:10 | 2026-02-15 17:04 | Waived | 2 - Non-Material | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client approved exception to purchase criteria. Cash-out amount within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 Ready for Review-per matrix, Max cash in hand $X,XXX,XXX.XX - Due Diligence Vendor-02/12/2026 Open-Cash Out Does Not Meet Guideline Requirements Cash out of $XXX,XXX.XX exceeds the maximum cash out of $XXX,XXX per client overlay. - Due Diligence Vendor-02/06/2026 |
Waived-Client approved exception to purchase criteria. Cash-out amount within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 |
NY | Investment | Refinance | Cash Out - Other | 7500978 | Investor Post-Close | No | ||||
| 305030344 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 13:29 | 2026-02-15 17:37 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 Open-Audited Reserves of 3.03 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Verified assets of $XX,XXX.XX minus cash to close of $X,XXX.XX equates to 3.03 months of reserves, or $XX,XXX.XX, which is less than the required 6 months reserves, totaling $XX,XXX.XX. - Due Diligence Vendor-02/02/2026 |
Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 |
AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7403949 | Investor Post-Close | No | ||||
| 305030325 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-03 15:43 | 2026-02-18 15:13 | Resolved | 1 - Information | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received evidence of receipt of gift funds, finding resolved. - Due Diligence Vendor-02/18/2026 Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-02/18/2026 Ready for Review-wire transfers of gift funds - Due Diligence Vendor-02/12/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Evidence of receipt of gift funds for $XXX,XXX.XX and $XX,XXX from donor is missing. - Due Diligence Vendor-02/03/2026 |
Resolved-Received evidence of receipt of gift funds, finding resolved. - Due Diligence Vendor-02/18/2026 Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf |
FL | Investment | Purchase | NA | 7426321 | N/A | N/A | |||
| 305030321 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 11:47 | 2026-02-18 09:03 | Resolved | 1 - Information | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received initial application and evidence POA was recorded with the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026 Ready for Review-Please see attached commercial loan application, Recorded DOT, Recorded POA - Due Diligence Vendor-02/11/2026 Open-Trust/POA Does Not Meet Guideline Requirements. A limited Power of Attorney (POA) was utilized. According to the lender guidelines the POA is acceptable when the following requirements are met; borrower who executed the POA signed the initial 1003; and POA is recorded with the mortgage. Missing an initial 1003 signed by the borrower. Missing evidence, the POA was recorded with the mortgage. - Due Diligence Vendor-02/10/2026 |
Resolved-Received initial application and evidence POA was recorded with the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf |
CO | Investment | Refinance | No Cash Out - Borrower Initiated | 7541302 | N/A | N/A | |||
| 305030321 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 12:07 | 2026-02-18 08:50 | Resolved | 1 - Information | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-02/18/2026 Resolved-Executed Quitclaim Deed received, finding resolved. - Due Diligence Vendor-02/18/2026 Ready for Review-Please see attached QCD - Due Diligence Vendor-02/11/2026 Open-Property Title Issue Quitclaim Deed granting subject property to the borrower was not executed by all parties (page 169). An executed quit claim deed is missing. - Due Diligence Vendor-02/10/2026 |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-02/18/2026 Resolved-Executed Quitclaim Deed received, finding resolved. - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | CO | Investment | Refinance | No Cash Out - Borrower Initiated | 7541904 | N/A | N/A | |||
| 305030321 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 08:25 | 2026-02-18 08:45 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-Condo Rider is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026 Ready for Review-Riders are not required on all BP loans - Due Diligence Vendor-02/11/2026 Open-Condo Rider is Missing - Due Diligence Vendor-01/30/2026 |
Resolved-Condo Rider is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026 |
CO | Investment | Refinance | No Cash Out - Borrower Initiated | 7372312 | N/A | N/A | ||||
| 305030317 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 13:37 | 2026-02-13 07:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Lender provided Rent Free letter signed and dated, Finding resolved. - Due Diligence Vendor-02/13/2026 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/13/2026 Ready for Review-see attached rent free loe - Due Diligence Vendor-02/05/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements Lender Guidelines require "A detailed letter of explanation from the person the borrower is living with confirming their relationship and that they are living rent free and the time frame."; letter is missing from the loan file. - Due Diligence Vendor-01/30/2026 |
Resolved-Lender provided Rent Free letter signed and dated, Finding resolved. - Due Diligence Vendor-02/13/2026 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/13/2026 |
OH | Primary Residence | Purchase | NA | 7380981 | N/A | N/A | ||||
| 305030317 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 12:05 | 2026-02-13 07:55 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender provided Rent Free letter signed and dated, Finding resolved. - Due Diligence Vendor-02/13/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/13/2026 Ready for Review-rent free loe - Due Diligence Vendor-02/05/2026 Open-Housing History Does Not Meet Guideline Requirements Lender Guidelines require "A detailed letter of explanation from the person the borrower is living with confirming their relationship and that they are living rent free and the time frame."; letter is missing from the loan file. - Due Diligence Vendor-01/30/2026 |
Resolved-Lender provided Rent Free letter signed and dated, Finding resolved. - Due Diligence Vendor-02/13/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/13/2026 |
XXXXXXX_1.pdf | OH | Primary Residence | Purchase | NA | 7379264 | N/A | N/A | |||
| 305030317 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 12:14 | 2026-02-13 07:54 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower provided. Finding resolved. - Due Diligence Vendor-02/13/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/13/2026 Ready for Review-Please see attached e-consent. The XX/XX/XXXX initial LE was wet signed - Due Diligence Vendor-02/05/2026 Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower. - Due Diligence Vendor-01/30/2026 |
Resolved-E-Consent documentation for borrower provided. Finding resolved. - Due Diligence Vendor-02/13/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/13/2026 |
XXXXXXX_1.pdf | OH | Primary Residence | Purchase | NA | 7379432 | N/A | N/A | |||
| 305030311 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 07:55 | 2026-02-16 12:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/16/2026 Ready for Review-The business formed on XX/XX/XXXX – within 12 months of the Note date XX/XX/XXXX. Evidence of Good Standing is not required. Condition cleared. - Due Diligence Vendor-02/16/2026 Ready for Review-Evidence of good standing (not required for LLCs formed within the last 12 months) - Due Diligence Vendor-02/04/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-01/26/2026 |
Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/16/2026 |
CA | Investment | Purchase | NA | 7292509 | N/A | N/A | ||||
| 305030301 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 08:50 | 2026-02-01 08:50 | Waived | 2 - Non-Material | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Lender guidelines requires, one tradeline reporting satisfactorily for 24-months with activity in the most recent 12-months or two tradelines reporting satisfactorily for 12-months all with activity in the most recent 90 days. Despite this requirement credit report shows 2 tradelines reported recent 10-months and 16 months which is not met the tradeline requirements. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/01/2026 | Waived-Lender guidelines requires, one tradeline reporting satisfactorily for 24-months with activity in the most recent 12-months or two tradelines reporting satisfactorily for 12-months all with activity in the most recent 90 days. Despite this requirement credit report shows 2 tradelines reported recent 10-months and 16 months which is not met the tradeline requirements. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/01/2026 |
Reserves - 6 months Min Fico - 660 Max LTV - 70% Min DSCR - 1 |
MS | Investment | Refinance | Cash Out - Other | 7388741 | Originator Pre-Close | Yes | |||
| 305030292 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 12:32 | 2026-02-13 10:50 | Resolved | 1 - Information | Compliance | Mavent | Fees: Limited | Resolved-LOA, and PCCD with Foreclosure Prevention Fee. Finding resolved. - Due Diligence Vendor-02/13/2026 Resolved- - Due Diligence Vendor-02/13/2026 Ready for Review-Please see attached Foreclosure Prevention Fee Audit, LOA, and PCCD - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/01/2026 Open-Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) - Due Diligence Vendor-01/27/2026 Open- - Due Diligence Vendor-01/27/2026 Open- - Due Diligence Vendor-01/27/2026 Open- - Due Diligence Vendor-01/27/2026 |
Resolved-LOA, and PCCD with Foreclosure Prevention Fee. Finding resolved. - Due Diligence Vendor-02/13/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
WA | Primary Residence | Refinance | Cash Out - Other | 7316486 | N/A | N/A | |||
| 305030292 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 09:37 | 2026-02-01 09:40 | Waived | 2 - Non-Material | Credit | Eligibility | Cash out amount greater than guideline maximum | Waived-Lender guidelines allow a maximum cash out of $X,XXX,XXX per the final CD the borrower received a cash out amount of $X,XXX,XXX.XX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/01/2026 | Waived-Lender guidelines allow a maximum cash out of $XXXXXXXX per the final CD the borrower received a cash out amount of $XXXXXXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/01/2026 |
1> FICO 40+ points over minimum matrix tier. 2. Residual income over $XXXXXX. 3. DTI is 10% or more under max allowed. 4. Subject free and clear. |
WA | Primary Residence | Refinance | Cash Out - Other | 7388783 | Originator Pre-Close | Yes | |||
| 305030292 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 13:14 | 2026-01-27 13:14 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 7317230 | Investor Post-Close | No | ||||
| 305030288 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 12:29 | 2026-02-23 15:25 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received verification the lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Ready for Review-Please see attached confirmation from Compliance - Due Diligence Vendor-02/18/2026 Counter-Per Lender Attestation does not show XXXXXXXXX is closed on Saturdays, need proof XXXXXXXXX is closed for business on Saturdays. Finding remains. - Due Diligence Vendor-02/13/2026 Ready for Review-Saturday should not be included in the business day calculation since XXXXXXXXX is not open for business. (6) Business day means a day on which the creditor's offices are open to the public for carrying on substantially all of its business functions. However, for purposes of rescission under §§ 1026.15 and 1026.23, and for purposes of §§ 1026.19(a)(1)(ii), 1026.19(a)(2), 1026.19(e)(1)(iii)(B), 1026.19(e)(1)(iv), 1026.19(e)(2)(i)(A), 1026.19(e)(4)(ii), 1026.19(f)(1)(ii), 1026.19(f)(1)(iii), 1026.20(e)(5), 1026.31, and 1026.46(d)(4), the term means all calendar days except Sundays and the legal public holidays specified in 5 U.S.C. 6103(a), such as New Year's Day, the Birthday of Martin Luther King, Jr., Washington's Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. - Due Diligence Vendor-02/05/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Federal-Initial Loan Estimate delivered more than 3 business days from application - Due Diligence Vendor-01/31/2026 Open- - Due Diligence Vendor-01/31/2026 Open- - Due Diligence Vendor-01/31/2026 |
Resolved-Received verification the lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-02/23/2026 |
XXXXXXX_1.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 7387886 | N/A | N/A | |||
| 305030288 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 12:29 | 2026-02-23 15:24 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received verification the lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure dated XX/XX/XXXX is more than 3 business days from the Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/31/2026 Open- - Due Diligence Vendor-01/31/2026 Open- - Due Diligence Vendor-01/31/2026 |
Resolved-Received verification the lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-02/23/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure dated XX/XX/XXXX is more than 3 business days from the Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/31/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7387884 | N/A | N/A | ||||
| 305030288 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 13:11 | 2026-02-02 10:31 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is outside the statute of limitations and will be rated a B. - Due Diligence Vendor-01/31/2026 | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is outside the statute of limitations and will be rated a B. - Due Diligence Vendor-01/31/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7387945 | Originator Post-Close | No | ||||
| 305030287 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-03-27 18:11 | 2026-03-27 18:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026 | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026 |
CA | Investment | Purchase | NA | 8370047 | Investor Post-Close | No | ||||
| 305030287 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 11:57 | 2026-03-27 05:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-EIN received, finding resolved. - Due Diligence Vendor-02/18/2026 Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/18/2026 Ready for Review-EIN - Due Diligence Vendor-02/12/2026 Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-01/30/2026 |
Resolved-EIN received, finding resolved. - Due Diligence Vendor-02/18/2026 Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | CA | Investment | Purchase | NA | 7379102 | N/A | N/A | |||
| 305030285 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 19:08 | 2026-02-15 17:55 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 Counter-Per Client overlays, 6 months of reserves are required. Finding remains. - Due Diligence Vendor-02/13/2026 Ready for Review-Guidelines only require 3 months reserves - Due Diligence Vendor-02/09/2026 Open-Audited Reserves of 4.01 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Verified assets of $XX,XXX.XX plus $XXX,XXX.XX gift funds minus cash to close of $XXX,XXX.XX equates to 4.01 months of reserves, or $XX,XXX.XX, which is less than the required 6 months reserves, totaling $XX,XXX.XX. - Due Diligence Vendor-02/01/2026 |
20.08% DTI < 50% max 0x30x24 VOR - 02/15/2026 |
Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 |
MD | Primary Residence | Purchase | NA | 7388237 | Investor Post-Close | No | |||
| 305030285 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 19:10 | 2026-02-15 17:48 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Client overlay acknowledged and downgraded. - Due Diligence Vendor-02/15/2026 Ready for Review-Please see attached exception - Due Diligence Vendor-02/13/2026 Counter-Per Client overlays, 6 months of reserves are required. Finding remains. - Due Diligence Vendor-02/13/2026 Ready for Review-Guidelines only require 3 months reserves - Due Diligence Vendor-02/09/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements 1) Insufficient reserves per client overlay guidelines. - Due Diligence Vendor-02/01/2026 |
Resolved-Client overlay acknowledged and downgraded. - Due Diligence Vendor-02/15/2026 |
XXXXXXX_1.pdf | MD | Primary Residence | Purchase | NA | 7388240 | N/A | N/A | |||
| 305030282 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 12:09 | 2026-02-13 08:03 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved. - Due Diligence Vendor-02/13/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/13/2026 Ready for Review-Please see attached E-Consent - Due Diligence Vendor-02/05/2026 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/02/2026 |
Resolved-E-Consent documentation for borrower(s) provided. Finding resolved. - Due Diligence Vendor-02/13/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/13/2026 |
XXXXXXX_1.pdf | NJ | Primary Residence | Purchase | NA | 7402241 | N/A | N/A | |||
| 305030282 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 08:53 | 2026-02-02 12:54 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
NJ | Primary Residence | Purchase | NA | 7293740 | Investor Post-Close | No | ||||
| 305030280 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-28 13:49 | 2026-02-16 13:32 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/16/2026 Ready for Review-An updated hazard insurance declarations page with a policy number was received. - Due Diligence Vendor-02/16/2026 Ready for Review-Hazard - Due Diligence Vendor-02/04/2026 Open-Hazard Insurance Policy Partially Provided Hazard insurance provided indicates the policy number as pending. Missing a hazard insurance dec page with a policy number. - Due Diligence Vendor-02/02/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | NJ | Investment | Purchase | NA | 7337522 | N/A | N/A | |||
| 305030277 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 10:57 | 2026-02-17 14:23 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Rider information is embedded as part of the Mortgage document. Finding resolved. - Due Diligence Vendor-02/17/2026 Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/11/2026 Open-Missing Mortgage Riders – PUD Rider PUD Rider is Missing - Due Diligence Vendor-01/30/2026 |
Resolved-Rider information is embedded as part of the Mortgage document. Finding resolved. - Due Diligence Vendor-02/17/2026 |
FL | Investment | Purchase | NA | 7377799 | N/A | N/A | ||||
| 305030267 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 10:17 | 2026-01-30 10:17 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 |
AZ | Primary Residence | Purchase | NA | 7375679 | Investor Post-Close | No | ||||
| 305030263 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 08:26 | 2026-02-16 18:58 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-Received property detail reports for 2 properties and business details to indicate borrower owns both properties, meeting ownership interest within the last 3 years - Due Diligence Vendor-02/17/2026 Ready for Review-The following documentation is attached to support that borrower is not a First Time Investor and not a FTHB: • Property at XXX-XXX XXXXXXXX XX, XXXXXXXX, XX shows vestee as XX XXX-XXX XXXXXXXX XX XX. Borrower is owner of this business. Property Profile and Business Licensing information is attached. Has owned since XX/XXXX. • Property at XX-XX XXXXX XX, XXXXXXXX, XX shows vestee as XX XXXXX XXX. Borrower is owner of this business. Property Profile and Business Licensing information is attached. Had owned since XX/XXXX. - Due Diligence Vendor-02/06/2026 Open-According to the lender guidelines, first time home buyer is not permitted for the DSCR 5–8-unit program. Missing evidence the borrower has had ownership interest in the past three years. - Due Diligence Vendor-02/02/2026 |
Resolved-Received property detail reports for 2 properties and business details to indicate borrower owns both properties, meeting ownership interest within the last 3 years - Due Diligence Vendor-02/17/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf XXXXXXX_4.pdf |
NJ | Investment | Purchase | NA | 7396066 | N/A | N/A | |||
| 305030238 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 13:45 | 2026-02-18 10:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-Condo Rider language is embedded in the Mortgage doc. Finding resolved. - Due Diligence Vendor-02/18/2026 Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/11/2026 Open-Condo Rider is Missing - Due Diligence Vendor-02/02/2026 |
Resolved-Condo Rider language is embedded in the Mortgage doc. Finding resolved. - Due Diligence Vendor-02/18/2026 |
OR | Investment | Refinance | No Cash Out - Borrower Initiated | 7389344 | N/A | N/A | ||||
| 305030235 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-28 07:19 | 2026-02-16 18:32 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Not Signed or Stamped Certified | Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-02/17/2026 Ready for Review-A final HUD-1 signed by the borrower was received. - Due Diligence Vendor-02/17/2026 Ready for Review-Please see attached Final SS - Due Diligence Vendor-02/06/2026 Open-Missing Final HUD-1: HUD in file Not Signed or Stamped Certified. - Due Diligence Vendor-01/28/2026 |
Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-02/17/2026 |
XXXXXXX_1.pdf | NJ | Investment | Refinance | Cash Out - Other | 7326892 | N/A | N/A | |||
| 305030211 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 09:06 | 2026-02-13 10:32 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lender provided Lock Confirmation, Finding resolved. - Due Diligence Vendor-02/13/2026 Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-02/13/2026 Ready for Review-Please see attached lock confirmation - Due Diligence Vendor-02/10/2026 Open-Evidence of Rate Lock Missing - Due Diligence Vendor-01/31/2026 |
Resolved-Lender provided Lock Confirmation, Finding resolved. - Due Diligence Vendor-02/13/2026 Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-02/13/2026 |
XXXXXXX_1.pdf | NY | Investment | Refinance | Cash Out - Other | 7387570 | N/A | N/A | |||
| 305030211 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 11:01 | 2026-02-03 14:37 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/29/2026 | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/29/2026 |
NY | Investment | Refinance | Cash Out - Other | 7354480 | Investor Post-Close | No | ||||
| 305030211 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 09:51 | 2026-01-29 09:51 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-1. As XX XXXXXXXX bond coverage is required for condominium projects over XX units. The insurance coverage must be at least equal to the greater of 3 months HOA dues. 2. The current Master Insurance Policy provides a XXXXXXXX coverage amount of $XXX,XXX. XXXXXXXX coverage is required to be $XXX,XXX.XX - $XX,XXX.XX shortfall. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/29/2026 |
Waived-1. As XXXXXXXX bond coverage is required for condominium projects over 20 units. The insurance coverage must be at least equal to the greater of 3 months HOA dues. 2. The current Master Insurance Policy provides a XXXXXXX coverage amount of $XXXXXXX. XXXXXXX coverage is required to be $XXXXXXX - $XXXXXXX shortfall. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/29/2026 |
Reserve: 35.23 (cashout) FICO: 766 LTV: 75% DTI : 29.541% |
NY | Investment | Refinance | Cash Out - Other | 7352436 | Originator Pre-Close | Yes | |||
| 305030196 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 08:50 | 2026-02-16 13:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026 Ready for Review-Mortgage document Uniform Covenants #38 provides the relevant terms for the condominium property. - Due Diligence Vendor-02/16/2026 Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/04/2026 Open-Condo Rider is Missing - Due Diligence Vendor-02/01/2026 |
Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026 |
FL | Investment | Purchase | NA | 7388742 | N/A | N/A | ||||
| 305030188 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 12:41 | 2026-02-16 13:45 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026 Ready for Review-Mortgage document Uniform Covenants #38 provides the relevant terms for the condominium property. - Due Diligence Vendor-02/16/2026 Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/04/2026 Open-Condo Rider is Missing - Due Diligence Vendor-02/02/2026 |
Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026 |
NY | Investment | Purchase | NA | 7402923 | N/A | N/A | ||||
| 305030181 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 12:06 | 2026-02-13 08:13 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lender provided Lease with 12 months of rental payments, Finding resolved. - Due Diligence Vendor-02/13/2026 Ready for Review-Lender provided Lease with 12 months of rental payments, Finding resolved. - Due Diligence Vendor-02/13/2026 Ready for Review-12 months rent payment and lease. XX/XXXX & XX/XXXX rent was $XXX. - Due Diligence Vendor-02/05/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. 10 months statement in file to verify rent payment. 12 months statement not in file. - Due Diligence Vendor-01/29/2026 |
Resolved-Lender provided Lease with 12 months of rental payments, Finding resolved. - Due Diligence Vendor-02/13/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
SC | Primary Residence | Purchase | NA | 7355732 | N/A | N/A | |||
| 305030181 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 10:38 | 2026-02-13 08:12 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Lender provided Lease with 12 months of rental payments, Finding resolved. - Due Diligence Vendor-02/13/2026 Ready for Review-12 months of rent payments was provided in the other condition. - Due Diligence Vendor-02/05/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements Incomplete Verification of Rent - 10 months verified vs. 12 months required. - Due Diligence Vendor-02/01/2026 |
Resolved-Lender provided Lease with 12 months of rental payments, Finding resolved. - Due Diligence Vendor-02/13/2026 |
SC | Primary Residence | Purchase | NA | 7388850 | N/A | N/A | ||||
| 305030176 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 05:37 | 2026-02-19 11:27 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Valuation Review product received, finding resolved. - Due Diligence Vendor-02/19/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/19/2026 Ready for Review-Please see attached - Due Diligence Vendor-02/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/30/2026 |
Resolved-Valuation Review product received, finding resolved. - Due Diligence Vendor-02/19/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/19/2026 |
XXXXXXX_1.pdf | NY | Investment | Purchase | NA | 7367804 | N/A | N/A | |||
| 305030173 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 15:25 | 2026-01-30 15:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/30/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/30/2026 |
AZ | Primary Residence | Refinance | Cash Out - Other | 7382557 | Investor Post-Close | No | ||||
| 305030173 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 14:43 | 2026-01-30 14:43 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/30/2026 | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/30/2026 |
AZ | Primary Residence | Refinance | Cash Out - Other | 7381958 | Investor Post-Close | No | ||||
| 305030173 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 14:43 | 2026-01-30 14:43 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/30/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/30/2026 |
AZ | Primary Residence | Refinance | Cash Out - Other | 7381959 | Investor Post-Close | No | ||||
| 305030162 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 04:06 | 2026-02-17 14:38 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-The primary residence is in non-borrowing spouse's name only. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/17/2026 Ready for Review-Note for XXX only reporting in the spouse (Non-borrower) name - Due Diligence Vendor-02/11/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The Final 1003 indicated the primary residence is free and clear, however there is a monthly mortgage statement in the file; missing verification of the mortgage on the primary residence. - Due Diligence Vendor-01/30/2026 |
Resolved-The primary residence is in non-borrowing spouse's name only. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/17/2026 |
XXXXXXX_1.pdf | GA | Investment | Refinance | Cash Out - Other | 7366158 | N/A | N/A | |||
| 305030137 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 08:37 | 2026-01-26 08:37 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026 |
UT | Primary Residence | Refinance | Cash Out - Other | 7293381 | Investor Post-Close | No | ||||
| 305030131 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 10:03 | 2026-04-01 12:59 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided 2 months of bank statements to fulfill guidelines requirements. - Due Diligence Vendor-04/01/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-03/31/2026 Resolved-Lender provided 2 months of bank statements to fulfill guidelines requirements. Finding resolved - Due Diligence Vendor-02/13/2026 Ready for Review-Please see attached Exception - Due Diligence Vendor-02/05/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The lender guidelines for 1009 (IRS Form) Only requires the most recent 2-months proof of receipt in the form of either paystubs or bank statements. The file is missing most recent 2-months proof of receipt in the form of either paystubs or bank statements. - Due Diligence Vendor-01/30/2026 |
Resolved-Lender provided 2 months of bank statements to fulfill guidelines requirements. - Due Diligence Vendor-04/01/2026 Resolved-Lender provided 2 months of bank statements to fulfill guidelines requirements. Finding resolved - Due Diligence Vendor-02/13/2026 |
XXXXXXX_1.pdf | AZ | Primary Residence | Purchase | NA | 7375455 | N/A | N/A | |||
| 305030131 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 10:59 | 2026-02-13 07:20 | Resolved | 1 - Information | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Lender provided 2 months of bank statements to fulfill guidelines requirements. Finding resolved - Due Diligence Vendor-02/13/2026 Ready for Review-see attached business statements - Due Diligence Vendor-02/04/2026 Open-Income and Employment Do Not Meet Guidelines The lender guidelines for 1009 (IRS Form) Only requires the most recent 2-months proof of receipt in the form of either paystubs or bank statements. The file is missing most recent 2-months proof of receipt in the form of either paystubs or bank statements. - Due Diligence Vendor-02/01/2026 |
Resolved-Lender provided 2 months of bank statements to fulfill guidelines requirements. Finding resolved - Due Diligence Vendor-02/13/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
AZ | Primary Residence | Purchase | NA | 7388898 | N/A | N/A | |||
| 305030131 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 10:33 | 2026-02-01 10:38 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements The lender guideline requires when renting from a private party, the borrower must document the lease covering most recent 12 months and either 12 months cancelled checks or bank statements showing account ownership and payments debited by the landlord. The file is missing 12 months cancelled checks or bank statements showing account ownership and payments debited by the landlord. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/01/2026 | Waived-Housing History Does Not Meet Guideline Requirements The lender guideline requires when renting from a private party, the borrower must document the lease covering most recent 12 months and either 12 months cancelled checks or bank statements showing account ownership and payments debited by the landlord. The file is missing 12 months cancelled checks or bank statements showing account ownership and payments debited by the landlord. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/01/2026 |
Reserves 15mos Vs 3mos. Fico 802 Vs 660 LTV 67% DTI 38.936% |
AZ | Primary Residence | Purchase | NA | 7388842 | Originator Pre-Close | Yes | |||
| 305030125 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 12:18 | 2026-02-15 20:02 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 Counter-Per overlays, 6 months of reserves are required. Finding remains. - Due Diligence Vendor-02/13/2026 Ready for Review-Guidelines only require 3 months reserves - Due Diligence Vendor-02/09/2026 Open-Audited Reserves of 5.39 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-01/29/2026 |
Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 |
27.38 DTI < 50% max 800 FICO > 680 min |
CA | Primary Residence | Purchase | NA | 7355941 | Investor Post-Close | No | |||
| 305030124 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 03:29 | 2026-02-16 13:55 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-02/16/2026 Ready for Review-Mortgage document Uniform Covenants #38 provides the relevant terms for the PUD. - Due Diligence Vendor-02/16/2026 Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/04/2026 Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-02/01/2026 |
Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-02/16/2026 |
NC | Investment | Refinance | Cash Out - Other | 7388510 | N/A | N/A | ||||
| 305030114 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 02:38 | 2026-02-18 15:43 | Resolved | 1 - Information | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Resolved-Loan qualified using short-term rental income which increase the DSCR to >1.0%. Finding resolved. - Due Diligence Vendor-02/18/2026 Ready for Review-XXX XXX - Due Diligence Vendor-02/12/2026 Open-Audited DSCR of 0.868 is below guideline minimum of 1 - Due Diligence Vendor-01/30/2026 |
Resolved-Loan qualified using short-term rental income which increase the DSCR to >1.0%. Finding resolved. - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | UT | Investment | Refinance | Cash Out - Other | 7365719 | N/A | N/A | |||
| 305030105 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 07:58 | 2026-02-17 15:20 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Mortgage payment history for the primary residence received, finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026 Ready for Review-Santander mtg is reported on the credit report. - Due Diligence Vendor-02/11/2026 Open-Housing History Does Not Meet Guideline Requirements As per guidelines, most recent 12 months mortgage history required for the primary residence is missing. - Due Diligence Vendor-02/06/2026 |
Resolved-Mortgage payment history for the primary residence received, finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf |
PA | Investment | Purchase | NA | 7395267 | N/A | N/A | |||
| 305030098 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 06:56 | 2026-02-16 14:05 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026 Ready for Review-Mortgage document Uniform Covenants #38 provides the relevant terms for the condominium property. - Due Diligence Vendor-02/16/2026 Ready for Review-Not required on Business Purpose loans. - Due Diligence Vendor-02/04/2026 Open-Condo Rider is Missing - Due Diligence Vendor-02/01/2026 |
Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026 |
MA | Investment | Refinance | Cash Out - Other | 7388654 | N/A | N/A | ||||
| 305030057 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 08:52 | 2026-02-18 10:30 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-Condo Rider language is embedded in the Mortgage doc. Finding resolved. - Due Diligence Vendor-02/18/2026 Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/11/2026 Open-Condo Rider is Missing - Due Diligence Vendor-02/04/2026 |
Resolved-Condo Rider language is embedded in the Mortgage doc. Finding resolved. - Due Diligence Vendor-02/18/2026 |
MA | Investment | Purchase | NA | 7437490 | N/A | N/A | ||||
| 305030045 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 19:21 | 2026-02-15 20:28 | Waived | 2 - Non-Material | Credit | Eligibility | Credit score does not meet client overlay guidelines | Waived-Client approved exception to purchase criteria. FICO within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 Open-Audited FICO of 680 is less than Guideline FICO of 720 allowed by client overlays. Credit score of 680 is less than 720, the minimum credit score required per client overlay guidelines. - Due Diligence Vendor-02/07/2026 |
Waived-Client approved exception to purchase criteria. FICO within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 |
13.4% DTI < 55% max 55 months reserves |
GA | Investment | Purchase | NA | 7501628 | Investor Post-Close | No | |||
| 305030045 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 19:22 | 2026-02-06 19:43 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. . - Due Diligence Vendor-02/03/2026 | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. . - Due Diligence Vendor-02/03/2026 |
GA | Investment | Purchase | NA | 7408484 | Investor Post-Close | No | ||||
| 305030045 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 19:21 | 2026-02-06 19:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/07/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/07/2026 |
GA | Investment | Purchase | NA | 7501629 | Investor Post-Close | No | ||||
| 305030031 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 13:51 | 2026-02-16 12:21 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 Ready for Review-Please see attached - Due Diligence Vendor-02/13/2026 Counter-Lender provided Invoices to show job were completed for large deposits. Still need additional finds for 6 months per overlays. Finding remains. - Due Diligence Vendor-02/13/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements 1) Insufficient reserves per Client overlay guidelines. 2) Large deposits not documented. - Due Diligence Vendor-01/31/2026 |
Resolved-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | TN | Primary Residence | Purchase | NA | 7388038 | N/A | N/A | |||
| 305030031 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 13:53 | 2026-02-16 12:19 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 Ready for Review-Please see attached - Due Diligence Vendor-02/13/2026 Counter-Per Client overlays, 6 months of reserves are required. Finding remains. - Due Diligence Vendor-02/13/2026 Ready for Review-Guidelines only require 3 months reserves - Due Diligence Vendor-02/09/2026 Open-Audited Reserves of 3.33 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Verified assets of $XXX,XXX.XX minus cash to close of $XX,XXX.XX equates to 3.33 months of reserves, or $XX,XXX.XX, which is less than the required 6 months reserves, totaling $XX,XXX.XX. - Due Diligence Vendor-01/31/2026 |
Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | 806 FICO Self-employed 10+ years |
TN | Primary Residence | Purchase | NA | 7388041 | Investor Post-Close | No | ||
| 305030031 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 13:56 | 2026-02-13 09:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Lender provided Invoices to show job were completed for large deposits. Finding resolved. - Due Diligence Vendor-02/13/2026 Ready for Review-Invoices - Due Diligence Vendor-02/09/2026 Open-The following large deposits were not documented: XX/XX/XXXX $XX,XXX.XX, XX/XX/XXXX $X,XXX.XX, XX/XX/XXXX $X,XXX.XX, XX/XX/XXXX $X,XXX.XX, XX/XX/XXXX $X,XXX.XX, XX/XX/XXXX $X,XXX.XX and XX/XX/XXXX $X,XXX.XX. - Due Diligence Vendor-01/31/2026 |
Resolved-Lender provided Invoices to show job were completed for large deposits. Finding resolved. - Due Diligence Vendor-02/13/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
TN | Primary Residence | Purchase | NA | 7388046 | N/A | N/A | |||
| 305030020 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 12:21 | 2026-02-16 12:31 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 Counter-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Per Overlay, 6 months of reserves are required. finding remains. - Due Diligence Vendor-02/13/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/13/2026 Ready for Review-Please see attached exception - Due Diligence Vendor-02/06/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Insufficient reserves per client overlay guidelines. - Due Diligence Vendor-02/01/2026 |
Resolved-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/13/2026 |
XXXXXXX1.pdf | TX | Primary Residence | Purchase | NA | 7389032 | N/A | N/A | |||
| 305030020 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 14:19 | 2026-02-16 12:28 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 Counter- - Due Diligence Vendor-02/13/2026 Ready for Review-Per Overlays, 6 months of reserves are required. Finding remains - Due Diligence Vendor-02/13/2026 Open-Audited Reserves of 5.89 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Verified assets of $XX,XXX.XX minus cash to close of $X,XXX.XX equates to 5.89 months of reserves, or $XX,XXX.XX, which is less than the required 6 months reserves, totaling $XX,XXX.XX. - Due Diligence Vendor-01/29/2026 |
Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 |
16% DTI < 50% max DTI 736 FICO |
TX | Primary Residence | Purchase | NA | 7358385 | Investor Post-Close | No | |||
| 305030019 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 09:02 | 2026-02-17 13:31 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider embedded in Mortgage document. Finding resolved. - Due Diligence Vendor-02/17/2026 Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/10/2026 Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-01/30/2026 |
Resolved-PUD Rider embedded in Mortgage document. Finding resolved. - Due Diligence Vendor-02/17/2026 |
AZ | Investment | Purchase | NA | 7373585 | N/A | N/A | ||||
| 305030019 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 09:36 | 2026-02-17 13:28 | Resolved | 1 - Information | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final Settlement Statement received, finding resolved. - Due Diligence Vendor-02/17/2026 Ready for Review-Please see attached Final SS - Due Diligence Vendor-02/11/2026 Open-Final HUD-1 Document is Missing - Due Diligence Vendor-01/30/2026 |
Resolved-Final Settlement Statement received, finding resolved. - Due Diligence Vendor-02/17/2026 |
XXXXXXX_1.pdf | AZ | Investment | Purchase | NA | 7374394 | N/A | N/A | |||
| 305030019 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 19:15 | 2026-02-17 13:24 | Resolved | 1 - Information | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received evidence of wire transfer for gift funds. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/17/2026 Ready for Review-gift funds wire transfer - Due Diligence Vendor-02/11/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Evidence of borrower's receipt of gift funds $23,257.91 from donor is missing. - Due Diligence Vendor-02/05/2026 |
Resolved-Received evidence of wire transfer for gift funds. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/17/2026 |
XXXXXXX_1.pdf | AZ | Investment | Purchase | NA | 7451879 | N/A | N/A | |||
| 305030017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 09:54 | 2026-02-17 17:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received evidence primary residence is owned XXX, finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/17/2026 Ready for Review-primary residence is owned free and clear - Due Diligence Vendor-02/11/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOM for the primary residence is missing. VOM needs to reflect pay history up to the month the loan is closing as required per lender guideline. - Due Diligence Vendor-02/10/2026 |
Resolved-Received evidence primary residence is owned F&C, finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/17/2026 |
XXXXXXX_1.pdf | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 7537430 | N/A | N/A | |||
| 305030017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 10:05 | 2026-02-17 17:33 | Resolved | 1 - Information | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Resolved-Received active lease and proof of 2 months rent received, finding resolved. - Due Diligence Vendor-02/17/2026 Ready for Review-lease/two months rent and security deposit. - Due Diligence Vendor-02/11/2026 Open-Audited DSCR of 0.931 is below guideline minimum of 1 DSCR of 0.931 is less than guideline minimum requirement DSCR of 1. Lender’s DSCR = 1.19. Lender utilized a rental income of $XXXX vs $XXXX per the Form 1007. Lender 1008 approval indicates lease with income of $XXXX along with evidence of 1st month rent and security deposit is present. Missing Lease and evidence of 1st month rent and security deposit. - Due Diligence Vendor-02/10/2026 |
Resolved-Received active lease and proof of 2 months rent received, finding resolved. - Due Diligence Vendor-02/17/2026 |
XXXXXXX_1.pdf | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 7537847 | N/A | N/A | |||
| 305030017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 09:27 | 2026-02-17 17:30 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-DSCR verified to be 1.1% which allows for LTV of 80%, finding resolved. - Due Diligence Vendor-02/17/2026 Ready for Review-DSCR 1.10; lease and two months rent provided. - Due Diligence Vendor-02/11/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75% The maximum LTV for DSCR < 1 for a rate/term refinance is 75%. DSCR of 0.931 is less than guideline minimum requirement DSCR of 1. - Due Diligence Vendor-02/01/2026 |
Resolved-DSCR verified to be 1.1% which allows for LTV of 80%, finding resolved. - Due Diligence Vendor-02/17/2026 |
TX | Investment | Refinance | No Cash Out - Borrower Initiated | 7388769 | N/A | N/A | ||||
| 305029993 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 07:12 | 2026-02-17 15:06 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock received, finding resolved. - Due Diligence Vendor-02/17/2026 Ready for Review-Please see the lock confirmations - Due Diligence Vendor-02/11/2026 Open-MISSING EVIDENCE OF RATE LOCK - Due Diligence Vendor-02/02/2026 |
Resolved-Evidence of rate lock received, finding resolved. - Due Diligence Vendor-02/17/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf |
FL | Investment | Purchase | NA | 7394503 | N/A | N/A | |||
| 305029993 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-03 05:26 | 2026-02-17 14:07 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history documentation in the loan file meets guideline requirements. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026 Ready for Review-Borrower meets first time investor requirements per matrix, First Time Investors eligible subject to the following restrictions: •Min credit score: 680 | No housing late payments during the past 12 month - Due Diligence Vendor-02/11/2026 Open-Housing History Does Not Meet Guideline Requirements Borrower appears to be a first-time homebuyer. There are no mortgages on credit and no REO on fraud report. Guideline overlays don't allow for FTHBs. - Due Diligence Vendor-02/03/2026 |
Resolved-Housing history documentation in the loan file meets guideline requirements. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026 |
FL | Investment | Purchase | NA | 7411945 | N/A | N/A | ||||
| 305029993 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 07:11 | 2026-02-17 13:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-Documentation is embedded as part of the Mortgage document, finding resolved. - Due Diligence Vendor-02/17/2026 Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/11/2026 Open-Condo Rider is Missing - Due Diligence Vendor-02/02/2026 |
Resolved-Documentation is embedded as part of the Mortgage document, finding resolved. - Due Diligence Vendor-02/17/2026 |
FL | Investment | Purchase | NA | 7394493 | N/A | N/A | ||||
| 305029977 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 14:18 | 2026-02-16 12:56 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client approved exception to purchase criteria. FICO within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 Open-Audited FICO of 677 is less than Guideline FICO of 680 - Due Diligence Vendor-02/02/2026 |
Waived-Client approved exception to purchase criteria. FICO within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 |
10 months reserves | NC | Investment | Purchase | NA | 7404859 | Investor Post-Close | No | |||
| 305029965 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 14:05 | 2026-02-16 18:03 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-Lender guideline page 24 indicate first time homebuyers are permitted. Lender matrix indicate first time investor is allowed with a min FICO of 680 and no housing late payments in the past 12 months. 700 FICO and VOR with no late payments meets lender guidelines. - Due Diligence Vendor-02/17/2026 Ready for Review-Please see attached guidelines as 1st time homebuyers are permitted. - Due Diligence Vendor-02/05/2026 Open-Borrower is first home buyer as per GL First-time investors and home buyers are not eligible. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender guideline page 24 indicate first time homebuyers are permitted. Lender matrix indicate first time investor is allowed with a min FICO of 680 and no housing late payments in the past 12 months. 700 FICO and VOR with no late payments meets lender guidelines. - Due Diligence Vendor-02/17/2026 |
XXXXXXX_1.pdf | FL | Investment | Purchase | NA | 7318043 | N/A | N/A | |||
| 305029958 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 05:21 | 2026-01-27 14:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2026 |
AZ | Primary Residence | Purchase | NA | 7307865 | Investor Post-Close | No | ||||
| 304909592 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-24 07:32 | 2026-02-18 12:50 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026 Ready for Review-A lender's loan approval for the subject transaction was received. - Due Diligence Vendor-02/18/2026 Ready for Review-UW Cond approval - Due Diligence Vendor-02/17/2026 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-01/24/2026 |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | AL | Investment | Refinance | No Cash Out - Borrower Initiated | 7282601 | N/A | N/A | |||
| 304876115 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-25 00:47 | 2026-02-26 13:10 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 provided, finding resolved. - Due Diligence Vendor-02/26/2026 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/26/2026 Ready for Review-1008 - Due Diligence Vendor-02/20/2026 Open-Missing Approval/Underwriting Summary 1008 or other form of Loan Approval was not found in file. - Due Diligence Vendor-01/25/2026 |
Resolved-1008 provided, finding resolved. - Due Diligence Vendor-02/26/2026 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/26/2026 |
XXXXXXX_1.pdf | MI | Investment | Refinance | Cash Out - Other | 7283640 | N/A | N/A | |||
| 304911784 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-29 05:53 | 2026-03-02 12:13 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Business Purpose Affidavit | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-12/29/2025 |
Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026 |
IN | Investment | Purchase | NA | 6827690 | Investor Post-Close | No | ||||
| 304892101 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-16 09:02 | 2026-01-23 12:37 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/23/2026 Ready for Review-Final Closing Disclosure for the recent purchase of the borrower's other real estate-owned property REO (XXXXXX XX) was received. - Due Diligence Vendor-01/23/2026 Ready for Review-Closing CD for XXXX XXXXXX XX - Due Diligence Vendor-01/22/2026 Open-Housing History Does Not Meet Guideline Requirements copy of the Note and/or Final Closing Disclosure was not provided for the recent purchase of the borrower's other real estate-owned property. REO (XXXX XXXXXX XX) - Due Diligence Vendor-01/16/2026 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/23/2026 |
XXXXXXX_1.pdf | TX | Investment | Purchase | NA | 7136765 | N/A | N/A | |||
| 305031497 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-16 14:43 | 2026-03-03 09:26 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Loan file contains 2 appraisals which meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 Counter-The 2 appraisals provided were contained in the loan file. The appraisal review was not provided. Finding remains - Due Diligence Vendor-02/26/2026 Ready for Review-02/24/2026 - XX: Please see attached. Two full appraisal were received for this transaction. - Due Diligence Vendor-02/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/16/2026 |
Resolved-Loan file contains 2 appraisals which meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
OH | Investment | Purchase | NA | 7639986 | N/A | N/A | |||
| 304843836 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 14:34 | 2026-03-30 10:40 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-BusinessXX Purpose Affidavit provided - Due Diligence Vendor-02/23/2026 Ready for Review-XX 2/23 Please see attached - Due Diligence Vendor-02/23/2026 Counter-According to the XXX Underwiting Guide page 10 – General Requirements, a Borrower’s certification of business purpose is required. According to the E-Sign Certificate in file – it appears borrower e-signed the Business Purpose disclosure on XX/XX/XXXX. A copy of the signed disclosure is missing. - Due Diligence Vendor-02/17/2026 Ready for Review-XX 2/2 Business Purpose Certificate not required on consumer purpose loan. - Due Diligence Vendor-02/02/2026 Counter-Audit has reviewed the lender’s rebuttal and believes we are addressing two different requirements. We are requesting the Business Purpose & Occupancy Affidavit, not the Affiliated Business Disclosure. Condition remains for a copy of the Business Purpose and Occupancy Affidavit signed by the borrower. - Due Diligence Vendor-01/30/2026 Ready for Review-XX 1/29 Disagree - its only required when affiliated. Will you clear with and LOA stating there is no affiliations? - Due Diligence Vendor-01/29/2026 Counter-A Business Purpose Affidavit as required by lender guidelines is missing. - Due Diligence Vendor-01/23/2026 Ready for Review-XX 1/22 The Affiliate Business Disclosure is only required when there are fees charged to the borrower which the broker/lender is affiliated with. There are no charges on this file that have affiliated payees. - Due Diligence Vendor-01/22/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-01/20/2026 |
Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/23/2026 |
XXXXXXX_1.pdf | NC | Investment | Purchase | NA | 7187227 | N/A | N/A | |||
| 304875156 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 13:41 | 2026-01-30 10:59 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The borrower obtained a HELOC on their primary residence, and the HELOC proceeds were used for closing. A wire transfer confirms that $XXX,XXX originated from the HELOC lender. These funds were used to purchase all five properties (Subject, Main, XXXXXX, XXXXXX, and XXXXXX), with only the amount needed for the subject loan applied. Sufficient cash to close and reserves verified, condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Audited Reserves of 33.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX: Funds for closing are coming from a draw on the borrower's HELOC with XXX. $XXX,XXX.XX was transferred directly to the settlement agent - Due Diligence Vendor-01/29/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Verified assets of $XX,XXX.XX is insufficient for EMD of $XX,XXX and reserves of $X,XXX.XX. Funds are short for reserves by $XXXX.XX - Due Diligence Vendor-01/24/2026 |
Resolved-The borrower obtained a HELOC on their primary residence, and the HELOC proceeds were used for closing. A wire transfer confirms that $XXXXXXX originated from the HELOC lender. These funds were used to purchase all five properties (Subject, Main, XXXXXXX, XXXXXXX, and XXXXXXX), with only the amount needed for the subject loan applied. Sufficient cash to close and reserves verified, condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Audited Reserves of 33.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/30/2026 |
IL | Investment | Purchase | NA | 7186064 | N/A | N/A | ||||
| 304875156 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 13:33 | 2026-01-30 10:59 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-The borrower obtained a HELOC on their primary residence, and the HELOC proceeds were used for closing. A wire transfer confirms that $XXX,XXX originated from the HELOC lender. These funds were used to purchase all five properties (Subject, Main, XXXXXX, XXXXXX, and XXXXXX), with only the amount needed for the subject loan applied. Sufficient cash to close and reserves verified, condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-01/30/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX: Funds for closing are coming from a draw on the borrower's HELOC with XXXXXXXXX XXXX XXXXXXXX XXX. $XXX,XXX.XX was transferred directly to the settlement agent - Due Diligence Vendor-01/29/2026 Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Verified assets of $XX,XXX.XX is insufficient for XXX of $XX,XXX and reserves of $X,XXX.XX. Funds are short for reserves by $XXXX.XX. - Due Diligence Vendor-01/24/2026 |
Resolved-The borrower obtained a HELOC on their primary residence, and the HELOC proceeds were used for closing. A wire transfer confirms that $XXX originated from the HELOC lender. These funds were used to purchase all five properties (Subject, Main, XXXXXXX, XXXXXXX, and XXXXXXX), with only the amount needed for the subject loan applied. Sufficient cash to close and reserves verified, condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXXX - Due Diligence Vendor-01/30/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXXX - Due Diligence Vendor-01/30/2026 |
IL | Investment | Purchase | NA | 7185932 | N/A | N/A | ||||
| 304875156 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 13:34 | 2026-01-30 10:58 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-The borrower obtained a HELOC on their primary residence, and the HELOC proceeds were used for closing. A wire transfer confirms that $XXX,XXX originated from the HELOC lender. These funds were used to purchase all five properties (Subject, Main, XXXXXX, XXXXXX, and XXXXXX), with only the amount needed for the subject loan applied. No additional documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX: Funds for closing are coming from a draw on the borrower's HELOC with XXXXXXXXX XXXX XXXXXXXX XXX. $XXX,XXX.XX was transferred directly to the settlement agent - Due Diligence Vendor-01/29/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $XX,XXX.XX is insufficient for XXX of $XX,XXX and reserves of $X,XXX. Funds are short for reserves by $XXXX.XX - Due Diligence Vendor-01/24/2026 |
Resolved-The borrower obtained a HELOC on their primary residence, and the HELOC proceeds were used for closing. A wire transfer confirms that $XXXXXXX originated from the HELOC lender. These funds were used to purchase all five properties (Subject, Main, XXXXXXX, XXXXXXX, and XXXXXXX), with only the amount needed for the subject loan applied. No additional documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-01/30/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
IL | Investment | Purchase | NA | 7185933 | N/A | N/A | |||
| 304875156 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 17:55 | 2026-01-30 09:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Audit confirmed on the Initial Resolutions for XXXX XXXXXXX XXXXXXX XXXXX that they relinquished signing authority to XXXX XXXXXXXX XXX, which is fully owned by the borrower. Condition resolved. - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX: Please clarify why this is needed, loan was closed in XXXX XXXXXXXX XXX, which operating agreement was provided for - Due Diligence Vendor-01/29/2026 Open-The loan file is missing an operating agreement or other documentation to verify ownership. Missing verification borrower has authority to sign on behalf of XXX entity. - Due Diligence Vendor-01/23/2026 |
Resolved-Audit confirmed on the Initial Resolutions for XXXXXXX that they relinquished signing authority to XXXXXXX, which is fully owned by the borrower. Condition resolved. - Due Diligence Vendor-01/30/2026 |
IL | Investment | Purchase | NA | 7281555 | N/A | N/A | ||||
| 304875156 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 18:26 | 2026-01-30 09:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Final closing disclosures for all properties provided condition resolved. - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX: See attached CDs - Due Diligence Vendor-01/29/2026 Open-1003 application indicates REO properties #3b, 3c, 3d and 3e with a new mortgage with the lender. A copy of the Note and or final closing disclosure for the REOS with new mortgages as reflected on the 1003 application is missing. - Due Diligence Vendor-01/24/2026 |
Resolved-Final closing disclosures for all properties provided condition resolved. - Due Diligence Vendor-01/30/2026 |
XXXXXXX_1.pdf | IL | Investment | Purchase | NA | 7281646 | N/A | N/A | |||
| 304893017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 08:37 | 2026-02-06 09:49 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-02/06/2026 Resolved-Resolved - Due Diligence Vendor-02/06/2026 Ready for Review-XX 2/5: Please see the attached // - Due Diligence Vendor-02/05/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-02/04/2026 Open- - Due Diligence Vendor-02/04/2026 |
Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-02/06/2026 Resolved-Resolved - Due Diligence Vendor-02/06/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
LA | Primary Residence | Purchase | NA | 7436906 | N/A | N/A | |||
| 304911769 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-23 11:15 | 2026-01-05 08:41 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-. - Due Diligence Vendor-01/05/2026 Resolved-Received Initial CD. Condition cleared. - Due Diligence Vendor-01/05/2026 Ready for Review-XX 1/2: Please see the attached // - Due Diligence Vendor-01/02/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-12/23/2025 Open- - Due Diligence Vendor-12/23/2025 |
Resolved-. - Due Diligence Vendor-01/05/2026 Resolved-Received Initial CD. Condition cleared. - Due Diligence Vendor-01/05/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
NC | Primary Residence | Purchase | NA | 6763079 | N/A | N/A | |||
| 304892646 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 12:08 | 2026-01-29 09:47 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-01/29/2026 Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-01/29/2026 Ready for Review-please see attached doc XX 1.28 - Due Diligence Vendor-01/28/2026 Open-Title Coverage Amount of $XXXXXX.XX is Less than Total Amount of Subject Lien(s) of $XXXXXX.XX - Due Diligence Vendor-12/19/2025 |
Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-01/29/2026 Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-01/29/2026 |
XXXXXXX_1.pdf | AZ | Investment | Refinance | Cash Out - Other | 6708933 | N/A | N/A | |||
| 305029875 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 16:01 | 2026-02-17 17:53 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/17/2026 Ready for Review-According to the lender comments, previous lender mortgage history on credit report mortgage history was 0x30 thru XX/XXXX, mortgage was transferred on XX/XX/XXXX (servicing letter provided). - Due Diligence Vendor-02/17/2026 Ready for Review-02/03/2026 - XX: Please see attached. The mortgage on XXXX XXXXXXXX XXXX XXXX XXX was initially being serviced by XXXXXXXXXX/XXXXXXXXX xXXXX, and the co-borrower's credit report confirms no 30 day lates from within the most recent 13 months. - Due Diligence Vendor-02/03/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete for borrower primary residence XXXX XXXXXXXX XXXX XXXX XXX - Due Diligence Vendor-01/23/2026 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/17/2026 |
XXXXXXX_1.pdf | FL | Investment | Refinance | Cash Out - Other | 7279417 | N/A | N/A | |||
| 305028199 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 11:24 | 2026-01-29 08:56 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-A copy of the XXXX Deed of Trust for XXX has been provided, confirming the borrower is on title. Condition resolved. - Due Diligence Vendor-01/29/2026 Ready for Review-1/28 XX: See attached Deed of Trust showing borrower is not a XXXX - Due Diligence Vendor-01/28/2026 Open-Evidence confirming the borrower is not a first-time homebuyer was not provided as first-time homebuyers are ineligible for the XXX product. Audit was unable to locate documentation showing the borrower is on title to the XXX property. - Due Diligence Vendor-01/23/2026 |
Resolved-A copy of the XXXX Deed of Trust for XXXXXXX has been provided, confirming the borrower is on title. Condition resolved. - Due Diligence Vendor-01/29/2026 |
XXXXXXX_1.pdf | TX | Investment | Purchase | NA | 7273583 | N/A | N/A | |||
| 305031573 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-21 13:46 | 2026-02-25 13:38 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy with sufficient coverage, finding resolved. - Due Diligence Vendor-02/25/2026 Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX.XX - Due Diligence Vendor-02/25/2026 Ready for Review-please see attached doc XX 2.19 - Due Diligence Vendor-02/19/2026 Open-Title Coverage Amount of $XXXXXX.XX is Less than Total Amount of Subject Lien(s) of $XXXXXX.XX - Due Diligence Vendor-01/21/2026 |
Resolved-Received final title policy with sufficient coverage, finding resolved. - Due Diligence Vendor-02/25/2026 Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/25/2026 |
XXXXXXX_1.pdf | OK | Investment | Refinance | No Cash Out - Borrower Initiated | 7222693 | N/A | N/A | |||
| 304933513 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-23 15:06 | 2025-12-23 15:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/23/2025 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/23/2025 |
CA | Second Home | Refinance | No Cash Out - Borrower Initiated | 6771706 | Investor Post-Close | No | ||||
| 305027220 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-21 11:21 | 2026-03-30 12:52 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 Counter-Received DU, dated post-closing, with 45.78% approved DTI. Provide a lender exception allowing a post close DU report. Condition remains. - Due Diligence Vendor-01/29/2026 Ready for Review-01/27/2026 - XX: Please see the attached AUS findings reflecting a DTI of 45.78% - Due Diligence Vendor-01/27/2026 Open-Audited DTI of 45.31% exceeds AUS DTI of 45% The AUS reflects an AUS DTI of 44.97% or max DTI of 45% with allowed tolerance. The audit calculated DTI is 45.31%. The Lender's 1003 reflects a DTI of 45.78% and the Lock Confirmation indicates loan was priced with DTI > 45%. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 |
XXXXXXX_1.pdf | Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. | CA | Primary Residence | Purchase | NA | 7212062 | Investor Post-Close | No | ||
| 305027220 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-21 11:25 | 2026-02-09 09:52 | Acknowledged | 2 - Non-Material | Credit | Closing | Invalid AUS | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 Counter-Received DU, dated post-closing, with 45.78% approved DTI. Provide a lender exception allowing a post close DU report. Condition remains. - Due Diligence Vendor-01/29/2026 Ready for Review-01/27/2026 - XX: Please see the attached AUS findings reflecting a DTI of 45.78% - Due Diligence Vendor-01/27/2026 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Purchase | NA | 7212469 | Investor Post-Close | No | |||
| 304898877 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 22:27 | 2026-01-29 10:28 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-01/29/2026 Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-01/29/2026 Ready for Review-please see attached doc XX 1.28 - Due Diligence Vendor-01/28/2026 Open-Title Coverage Amount of $XXXXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXXX - Due Diligence Vendor-12/20/2025 |
Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-01/29/2026 Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-01/29/2026 |
XXXXXXX_1.pdf | CO | Investment | Purchase | NA | 6722109 | N/A | N/A | |||
| 304898877 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 08:40 | 2026-01-06 06:27 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-LCA with 1 score and Collateral R&W Relief Eligible, condition cleared. - Due Diligence Vendor-01/06/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/06/2026 Ready for Review-1/2 XX: According to the 30-Year Fixed - Pink Guidelines A secondary valuation, in addition to the initial appraisal, is required on all loans. This secondary valuation cannot be more than 10% less than the initial appraisal. Acceptable options for a secondary valuation include: An acceptable CU/LCA score (completed by XXX) A XXX-obtained AVM A Collateral Desktop Analysis (CDA) from Clear Capital An exterior-only appraisal A field review A second full appraisal Please see attached SSR report that shows risk score of 1 low risk - Due Diligence Vendor-01/02/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/19/2025 |
Resolved-LCA with 1 score and Collateral R&W Relief Eligible, condition cleared. - Due Diligence Vendor-01/06/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/06/2026 |
XXXXXXX_1.pdf | CO | Investment | Purchase | NA | 6703489 | N/A | N/A | |||
| 304908623 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-04 11:03 | 2026-02-18 05:17 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title with coverage of $XXX,XXX received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-02/18/2026 Ready for Review-Title policy - Due Diligence Vendor-02/11/2026 Open-Title Coverage Amount of $XXXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-01/04/2026 |
Resolved-Title with coverage of $XXXXXXX received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | TN | Investment | Purchase | NA | 6907392 | N/A | N/A | |||
| 305027849 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-24 11:42 | 2026-01-30 11:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Final CD for the closing on XXXXXX XXXXXX provided, condition resolved. - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX: See attached REO CD - Due Diligence Vendor-01/29/2026 Open-1003 application indicate REO property #3l (XXXXXX XXX) with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO #3l with a new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-01/24/2026 |
Resolved-Final CD for the closing on XXXXXXX provided, condition resolved. - Due Diligence Vendor-01/30/2026 |
XXXXXXX_1.pdf | IL | Investment | Purchase | NA | 7282993 | N/A | N/A | |||
| 305023789 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 20:15 | 2026-03-30 12:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026 |
S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as | CO | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7102451 | Investor Post-Close | No | |||
| 305023789 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 20:15 | 2026-03-30 12:53 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-03/02/2026 Resolved-Audited DTI of 45.39% is less than or equal to AUS DTI of 45.39% - Due Diligence Vendor-03/02/2026 Ready for Review-2/26 XX: Please see attached AUS matching 45.39%. - Due Diligence Vendor-02/26/2026 Counter-Audit used the same index of 4.009%. The Loan approval and 1008 show the same DTI as Opus, 45.39%, using a qualifying rate of 6.75%. Provide the DU that matches the Loan approval and 1008. Condition remains. - Due Diligence Vendor-02/09/2026 Ready for Review-XX 2/6 disagree - we are using a valid index within the 45 day lookback period from the Note Date. Index pulled from XX/XX/XXXX is 4.009%. - Due Diligence Vendor-02/06/2026 Open-Audited DTI of 45.39% exceeds AUS DTI of 45% The loan was approved under the Jumbo AUS program. The AUS reflects a DTI of 43.13% at the Note rate of 6.125%. The loan was qualified at the fully indexed rate of 6.75% resulting in a DTI of 45.39% which exceeds the maximum allowed DTI of 45%. - Due Diligence Vendor-01/15/2026 |
Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-03/02/2026 Resolved-Audited DTI of 45.39% is less than or equal to AUS DTI of 45.39% - Due Diligence Vendor-03/02/2026 |
XXXXXXX_1.pdf | Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. | CO | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7102461 | Investor Post-Close | No | ||
| 305023789 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 20:16 | 2026-03-30 12:53 | Acknowledged | 2 - Non-Material | Credit | Closing | Invalid AUS | Acknowledged-Received an updated DU dated post-closing. Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-03/02/2026 Ready for Review-2/26 XX: Please see main condition appeal. - Due Diligence Vendor-02/26/2026 Counter-Audit used the same index of 4.009%. The Loan approval and 1008 show the same DTI as Opus, 45.39%, using a qualifying rate of 6.75%. Provide the DU that matches the Loan approval and 1008. Condition remains. - Due Diligence Vendor-02/09/2026 Ready for Review-XX 2/6 disagree - we are using a valid index within the 45 day lookback period from the Note Date. Index pulled from XX/XX/XXXX is 4.009%. - Due Diligence Vendor-02/06/2026 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. - Due Diligence Vendor-01/15/2026 |
Acknowledged-Received an updated DU dated post-closing. Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-03/02/2026 |
Received an updated DU dated post-closing. Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. | CO | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7102462 | Investor Post-Close | No | |||
| 305023789 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 20:37 | 2026-03-30 12:52 | Acknowledged | 2 - Non-Material | Compliance | QM-ATR | ATR Risk - Qualifying Monthly PI Payment does not meet requirements | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-03/02/2026 Resolved-ATR Risk - Qualifying Monthly PI Payment meets requirements - Due Diligence Vendor-03/02/2026 Ready for Review-2/26 XX: Please see main condition appeal. - Due Diligence Vendor-02/26/2026 Counter-Audit used the same index of 4.009%. The Loan approval and 1008 show the same DTI as Opus, 45.39%, using a qualifying rate of 6.75%. Provide the DU that matches the Loan approval and 1008. Condition remains. - Due Diligence Vendor-02/09/2026 Ready for Review-XX 2/6 disagree - we are using a valid index within the 45 day lookback period from the Note Date. Index pulled from XX/XX/XXXX is 4.009%. - Due Diligence Vendor-02/06/2026 Open-ATR Risk - Qualifying Monthly PI Payment does not meet requirements The AUS reflects a DTI of 43.13% at the Note rate of 6.125%. However, the DTI at the fully indexed rate of 6.75% is 45.39%, this exceeds the maximum DTI of 45% allowed per AUS. Note that the Lender's 1008 reflects the higher DTI of 45.386%, the loan is also priced at DTI > 45%. - Due Diligence Vendor-01/15/2026 |
Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-03/02/2026 Resolved-ATR Risk - Qualifying Monthly PI Payment meets requirements - Due Diligence Vendor-03/02/2026 |
Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. | CO | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7102606 | Investor Post-Close | No | |||
| 304909608 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 17:08 | 2026-02-18 05:21 | Resolved | 1 - Information | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Oct statement received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026 Ready for Review-02/11/26 - XX: Please see attached. - Due Diligence Vendor-02/11/2026 Open-Asset Record 3 Does Not Meet G/L Requirements Per lender guidelines, assets must be sourced and seasoned for a minimum of 60 days. The file is missing two consecutive months of bank statements for the account ending in XXXX—only one month was provided. Without the additional statements, the borrower is short on cash to close and required reserves. - Due Diligence Vendor-01/20/2026 |
Resolved-Oct statement received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | WY | Investment | Purchase | NA | 7191481 | N/A | N/A | |||
| 305024994 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-22 16:57 | 2026-02-17 18:19 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title with coverage of $XXXX received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX.XX - Due Diligence Vendor-02/18/2026 Ready for Review-Title Policy - Due Diligence Vendor-02/05/2026 Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX.XX Policy requires title coverage to be at least the original principal amount of the subject loan - Due Diligence Vendor-12/22/2025 |
Resolved-Title with coverage of $XXXXXXX received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | NJ | Investment | Refinance | Cash Out - Other | 6747661 | N/A | N/A | |||
| 304909898 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-25 13:05 | 2026-01-31 15:13 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial CD. - Due Diligence Vendor-01/31/2026 Resolved-Resolved - Due Diligence Vendor-01/31/2026 Ready for Review-XX 1/30: Please see the attached // - Due Diligence Vendor-01/30/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-01/25/2026 Open- - Due Diligence Vendor-01/29/2026 Open- - Due Diligence Vendor-01/29/2026 Open- - Due Diligence Vendor-01/25/2026 |
Resolved-Received the Initial CD. - Due Diligence Vendor-01/31/2026 Resolved-Resolved - Due Diligence Vendor-01/31/2026 |
XXXXXXX_1.pdf | CO | Primary Residence | Purchase | NA | 7284631 | N/A | N/A | |||
| 305012457 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 10:45 | 2026-02-07 18:54 | Acknowledged | 2 - Non-Material | Credit | Closing | Invalid AUS | Acknowledged- Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/08/2026 Ready for Review-02/05/26 - XX: Please see attached. - Due Diligence Vendor-02/05/2026 Ready for Review-02/05/2026 - XX: AUS has only been configured to account for the initial interest rate of 6.125% However, the borrower was qualified with a DTI of 45.68 per the attached approval letter. Revised AUS findings reflecting an interest rate of 6.875% cannot be provided. - Due Diligence Vendor-02/05/2026 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. - Due Diligence Vendor-01/29/2026 |
Acknowledged- Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/08/2026 |
XXXXXXX_1.pdf XXXXXXX_1.pdf XXXXXXX_2.pdf | AZ | Primary Residence | Purchase | NA | 7353717 | Investor Post-Close | No | |||
| 305012457 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 10:42 | 2026-02-07 18:53 | Acknowledged | 1 - Information | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Acknowledged- Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/08/2026 Resolved-Audited DTI of 45.73% is less than or equal to AUS DTI of 48.68%. - Due Diligence Vendor-02/08/2026 Ready for Review-02/05/26 - XX: Please see attached. - Due Diligence Vendor-02/05/2026 Ready for Review-02/05/2026 - XX: AUS has only been configured to account for the initial interest rate of 6.125% However, the borrower was qualified with a DTI of 45.68 per the attached approval letter. Revised AUS findings reflecting an interest rate of 6.875% cannot be provided. - Due Diligence Vendor-02/05/2026 Open-Audited DTI of 45.73% exceeds AUS DTI of 45% DTI variance due to qualifying rate of 6.875%. This is confirmed from the Lender's 1008. The Lock Confirmation also confirms that the loan was priced with DTI > 45. - Due Diligence Vendor-01/29/2026 |
Acknowledged- Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/08/2026 Resolved-Audited DTI of 45.73% is less than or equal to AUS DTI of 48.68%. - Due Diligence Vendor-02/08/2026 |
XXXXXXX_1.pdf XXXXXXX_1.pdf XXXXXXX_2.pdf | AZ | Primary Residence | Purchase | NA | 7353572 | Investor Post-Close | No | |||
| 305026137 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 06:15 | 2026-02-02 10:26 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/02/2026 | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/02/2026 |
FL | Primary Residence | Purchase | NA | 7393462 | Investor Post-Close | No | ||||
| 305042302 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 16:22 | 2026-02-18 11:35 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/18/2026 Ready for Review-Property detail report for the subject property indicates no open liens or mortgages. - Due Diligence Vendor-02/18/2026 Ready for Review-2/16 XX: Please see attached open lien report that shows XXX XXXXX XXXX XXXX XXXXXXXXX,XXXXXXX XXXXX does not have a mtg associated. There is not VOM to provide. - Due Diligence Vendor-02/16/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOM for Subject Property is missing. - Due Diligence Vendor-02/05/2026 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | GA | Investment | Refinance | Cash Out - Other | 7477612 | N/A | N/A | |||
| 305026117 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-18 14:35 | 2026-02-18 12:12 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/18/2026 Ready for Review-An updated hazard insurance with an effective date of XX/XX/XXXX was received. - Due Diligence Vendor-02/18/2026 Ready for Review-2/17 XX: See attached insurance policy - Due Diligence Vendor-02/17/2026 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-01/18/2026 |
Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | OK | Investment | Purchase | NA | 7156639 | N/A | N/A | |||
| 305038043 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-13 09:31 | 2026-03-03 13:43 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Lender's guidelines indicate that retirement accounts do not need to be liquidated if the value of the account is at least 20% more than the amount of funds needed for down payment and closing costs. Asset documentation in file is sufficient, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/03/2026 Ready for Review-03/03/2026 - XX: $XXX,XXX of the funds held in the borrower's retirement account via XXXXXXX were utilized to satisfy both the cash to close and reserve requirement. Page #14 of the agreed upon guidelines as of XX/XX/XXXX between XXX and XXX does not state that accounts can only be utilized for reserves. - Due Diligence Vendor-03/03/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Asset documentation is not available in file. The 401k statements are in the loan file verifying sufficient assets for reserves; however, the asset documentation for closing costs was not in the loan file. The 1003 and 1008 reflect an account used in qualification for closing costs which was not found in the loan file. There is also a LOE in file from the Borrower indicating money being transferred to this account for the closing of the loan. Please provide the bank statements for the account used for closing costs. - Due Diligence Vendor-02/13/2026 |
Resolved-Lender's guidelines indicate that retirement accounts do not need to be liquidated if the value of the account is at least 20% more than the amount of funds needed for down payment and closing costs. Asset documentation in file is sufficient, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/03/2026 |
NC | Investment | Purchase | NA | 7608830 | N/A | N/A | ||||
| 305032249 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-13 05:17 | 2026-02-25 15:12 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Final Closing Disclosures provided for recent purchases of REO properties 3e, 3f, 3g and 3h. Finding resolved - Due Diligence Vendor-02/25/2026 Ready for Review-2/19 XX: Please see attached notes from the following properties - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements Copy of the Note and/or Final Closing Disclosure was not provided for the recent Purchase of the borrower’s other real estate-owned property (1003 application reflect 4 REO properties #3e, 3f, 3g, 3h) - Due Diligence Vendor-02/13/2026 |
Resolved-Final Closing Disclosures provided for recent purchases of REO properties 3e, 3f, 3g and 3h. Finding resolved - Due Diligence Vendor-02/25/2026 |
XXXXXXX_1.pdf XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf | IL | Investment | Purchase | NA | 7603100 | N/A | N/A | |||
| 305032246 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-13 05:53 | 2026-02-26 12:08 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Copies of Notes received for REO 3e,3f,3g,3h reflecting all liens opened XX/XX/XXXX therefore no housing history available. Finding resolved. - Due Diligence Vendor-02/26/2026 Ready for Review-2/19 XX: Please see attached notes from the following properties - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements Copy of the Note and/or Final Closing Disclosure was not provided for the recent Purchase of the borrower’s other real estate-owned property (1003 application reflect 4 REO properties #3e, 3f, 3g, 3h) - Due Diligence Vendor-02/13/2026 |
Resolved-Copies of Notes received for REO 3e,3f,3g,3h reflecting all liens opened XX/XX/XXXX therefore no housing history available. Finding resolved. - Due Diligence Vendor-02/26/2026 |
XXXXXXX_1.pdf XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf | IL | Investment | Purchase | NA | 7603955 | N/A | N/A | |||
| 305027335 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-28 07:37 | 2026-02-17 18:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Final CD and copy of Note for REO property #3b was received. - Due Diligence Vendor-02/18/2026 Ready for Review-02/04/2026 - XX: Please see attached. - Due Diligence Vendor-02/04/2026 Open-1003 application indicate REO property #3b (XXX) with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO #3b with a new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-01/28/2026 |
Resolved-Final CD and copy of Note for REO property #3b was received. - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf | AL | Investment | Purchase | NA | 7327129 | N/A | N/A | |||
| 305031444 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 11:35 | 2026-03-27 06:13 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/19/2026 Ready for Review-Evidence of Good Standing for business entity was provided. - Due Diligence Vendor-02/19/2026 Ready for Review-2/18 XX: Please see attached documents - Due Diligence Vendor-02/18/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/12/2026 |
Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/19/2026 |
XXXXXXX_1.pdf | OH | Investment | Purchase | NA | 7587154 | N/A | N/A | |||
| 305031444 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 11:35 | 2026-03-27 06:13 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/19/2026 Ready for Review-Borrowing Entity Tax ID was provided. - Due Diligence Vendor-02/19/2026 Ready for Review-2/18 XX: Please see attached documents - Due Diligence Vendor-02/18/2026 Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/12/2026 |
Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/19/2026 |
XXXXXXX_1.pdf | OH | Investment | Purchase | NA | 7587155 | N/A | N/A | |||
| 305031444 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-18 19:07 | 2026-02-25 12:37 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Received Operating Agreement including borrower's percentage of ownership along with XXXXXXXXXX XXXXXXXXXX. Finding resolved. - Due Diligence Vendor-02/25/2026 Ready for Review-2/19 XX: Please see attached documents. - Due Diligence Vendor-02/19/2026 Open-The loan file is missing an operating agreement or other documentation to verify ownership. An Operating Agreement required per lender guidelines is missing. For Multi-member entities a Corporate Resolution is also required. - Due Diligence Vendor-02/19/2026 |
Resolved-Received Operating Agreement including borrower's percentage of ownership along with Corporate Resolution. Finding resolved. - Due Diligence Vendor-02/25/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf |
OH | Investment | Purchase | NA | 7688868 | N/A | N/A | |||
| 305028138 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-21 19:07 | 2026-02-02 09:09 | Resolved | 1 - Information | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved- Two full months of bank statements provided for the requested account, condition resolved. - Due Diligence Vendor-02/02/2026 Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/02/2026 Ready for Review-1/30 XX: Please see 2 months bank statements from borrowers account ending in XXXX - Due Diligence Vendor-01/30/2026 Counter-Audit has reviewed the bank statements provided; however, they are from the estate account. Per the attorney’s letter, funds from the estate account cannot be used by the borrower. Funds must be transferred into her personal account. Condition remains pending two consecutive months of bank statements for the borrower’s personal account as only a printout dated XX/XX/XXXX–XX/XX/XXXX was provided. - Due Diligence Vendor-01/28/2026 Ready for Review-1/27 XX: Please see attached 2 months and transaction statement - Due Diligence Vendor-01/27/2026 Open-Asset Record 1 Does Not Meet G/L Requirements According to lender guidelines, assets must be sourced and seasoned for 60 days (2 months). Audit was only able to locate a printout dated XX/XX/XXXX–XX/XX/XXXX for the borrower’s personal account (not the estate account). Please provide two consecutive months of bank statements for borrower's personal account. - Due Diligence Vendor-01/22/2026 |
Resolved- Two full months of bank statements provided for the requested account, condition resolved. - Due Diligence Vendor-02/02/2026 Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf |
MO | Investment | Purchase | NA | 7229666 | N/A | N/A | |||
| 305045976 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-27 15:33 | 2026-03-04 16:45 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Copies of Notes and Closing Disclosures received reflecting first payment due dates of XX/XX/XXXX. - Due Diligence Vendor-03/04/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 Ready for Review-03/04/2026 - XX: Please see attached. - Due Diligence Vendor-03/04/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing mortgage payment history for REO 3c and 3d. - Due Diligence Vendor-02/27/2026 |
Resolved-Copies of Notes and Closing Disclosures received reflecting first payment due dates of XX/XX/XXXX . - Due Diligence Vendor-03/04/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf XXXXXXX_4.pdf |
OH | Investment | Refinance | Cash Out - Other | 7852100 | N/A | N/A | |||
| 305037881 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 09:27 | 2026-03-02 09:19 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Final CD and proof previously F&C provided, finding resolved. - Due Diligence Vendor-03/02/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/02/2026 Ready for Review-2/27 XXX: Please note that the final CD that was provided in the loan file confirms that the property was free and clear prior to the mortgage with XXX XXXXXXXX XXX, as page 3 shows there was no prior mortgage paid off in the refinance. Please also see the attached property report to show there was no mortgage at the initial acquisition of the property in XXXX. - Due Diligence Vendor-02/27/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Mortgage (VOM) Document is incomplete for primary residence as per GL 12 months required. If property was free and clear prior to refinance, missing evidence of free and clear. - Due Diligence Vendor-02/05/2026 |
Resolved-Final CD and proof previously F&C provided, finding resolved. - Due Diligence Vendor-03/02/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/02/2026 |
XXXXXXX_1.pdf | PA | Investment | Purchase | NA | 7464693 | N/A | N/A | |||
| 305037881 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-23 17:58 | 2026-03-02 09:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Final Closing Disclosure received, finding resolved. - Due Diligence Vendor-03/02/2026 Ready for Review-2/27 XXX: Please see the attached CD for the property at XX XXXXXXXX XX. - Due Diligence Vendor-02/27/2026 Open-1003 application indicate REO properties #3c with a new mortgage with the lender. A copy of the Note and or final closing disclosure for the REO (XXX) reflected on the 1003 application is missing. - Due Diligence Vendor-02/23/2026 |
Resolved-Final Closing Disclosure received, finding resolved. - Due Diligence Vendor-03/02/2026 |
XXXXXXX_1.pdf | PA | Investment | Purchase | NA | 7767321 | N/A | N/A | |||
| 305033685 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-24 12:48 | 2026-02-24 12:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026 |
NY | Investment | Purchase | NA | 7782676 | Investor Post-Close | No | ||||
| 304908656 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 14:35 | 2026-01-27 13:05 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |
Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX . This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |
CO | Primary Residence | Purchase | NA | 7277996 | N/A | N/A | ||||
| 304908656 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 14:35 | 2026-01-27 13:04 | Resolved | 1 - Information | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 Acknowledged-CHARM Booklet date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |
Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 Acknowledged-CHARM Booklet date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX . This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |
CO | Primary Residence | Purchase | NA | 7278007 | N/A | N/A | ||||
| 304908656 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 14:35 | 2026-01-27 13:03 | Resolved | 1 - Information | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-01/27/2026 Ready for Review-XX 1/27 the loan application from XX/XX was for a different loan (XXXXXXXXXX) which was denied. Please see the attached 1003 from loan XXXXXXXXX and denial letter from XX/XX. On XX/XX loan XXXXXXXXXX was created due to the denial of XXXXXXXXXX and a loan application went out to the borrower on the same day. - Due Diligence Vendor-01/27/2026 Open-ARM Disclosuret date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. - Due Diligence Vendor-01/23/2026 |
Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-01/27/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf |
CO | Primary Residence | Purchase | NA | 7278003 | N/A | N/A | |||
| 304908656 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 14:22 | 2026-01-27 13:01 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 Open- - Due Diligence Vendor-01/27/2026 Rescinded-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Out of scope, finding rescinded. - Due Diligence Vendor-01/23/2026 |
Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 Rescinded-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX ) is more than 3 business days from the Application Date (XX/XX/XXXX ). Three business days from the Application Date is (XX/XX/XXXX ). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Out of scope, finding rescinded. - Due Diligence Vendor-01/23/2026 |
CO | Primary Residence | Purchase | NA | 7277837 | N/A | N/A | ||||
| 304908656 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 14:22 | 2026-01-27 13:01 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 Open- - Due Diligence Vendor-01/27/2026 Ready for ReviewXX 1/27 the loan application from XX/XX was for a different loan (XXXXXXXXXX) which was denied. Please see the attached 1003 from loan XXXXXXXXXX and denial letter from XX/XX. On XX/XX loan XXXXXXXXXX was created due to the denial of XXXXXXXXXX and a loan application went out to the borrower on the same day. - Due Diligence Vendor-01/27/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-01/23/2026 |
Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf |
CO | Primary Residence | Purchase | NA | 7277836 | N/A | N/A | |||
| 304908656 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 14:22 | 2026-01-27 13:00 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 Resolved-Resolved - Due Diligence Vendor-01/27/2026 Open-. - Due Diligence Vendor-01/27/2026 Open- - Due Diligence Vendor-01/27/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |
Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 Resolved-Resolved - Due Diligence Vendor-01/27/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX ) is more than 3 business days from the Application Date (XX/XX/XXXX ). Three business days from the Application Date is (XX/XX/XXXX ). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |
CO | Primary Residence | Purchase | NA | 7277835 | N/A | N/A | ||||
| 305044906 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-20 07:23 | 2026-03-04 15:54 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Payment history received for subject property, finding resolved. - Due Diligence Vendor-03/04/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 Ready for Review-03/04/26 - XX: Please see the attached VOM from XXX XXXXXXXXX. - Due Diligence Vendor-03/04/2026 Ready for Review-03/04/26 - XX: Please see attached. - Due Diligence Vendor-03/04/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. A 12 month verification of mortgage for the subject property is missing. - Due Diligence Vendor-02/27/2026 |
Resolved-Payment history received for subject property, finding resolved. - Due Diligence Vendor-03/04/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 |
XXXXXX_1.pdf XXXXXX_1.pdf |
NY | Investment | Refinance | Cash Out - Other | 7717509 | N/A | N/A | |||
| 305033593 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 13:45 | 2026-02-03 07:25 | Resolved | 1 - Information | Credit | Eligibility | Verified number of properties does not meet experience requirements | Resolved-Document provided shows borrower owned REO from XXXX-XXXX, XXXXX flag cleared. - Due Diligence Vendor-02/03/2026 Ready for Review-2/2 XX: Please see attached document that shows the borrower has owned a property in XXXX and is not a first homebuyer. - Due Diligence Vendor-02/02/2026 Open-Loan file only contains evidence of experience for 0 properties which is below the guideline minimum. The borrower is considered to be a First Time Homebuyer due to currently living rent free and no evidence of any previous or current property ownership provided in the loan file. - Due Diligence Vendor-01/27/2026 |
Resolved-Document provided shows borrower owned REO from XXXX-XXXX , FTHB flag cleared. - Due Diligence Vendor-02/03/2026 |
XXXXXX_1.pdf | IL | Investment | Purchase | NA | 7317748 | N/A | N/A | |||
| 305047273 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 13:51 | 2026-02-27 08:11 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Title Commitment with sufficient coverage, finding resolved. - Due Diligence Vendor-02/27/2026 Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXX.XX - Due Diligence Vendor-02/27/2026 Ready for Review-Title Commitment - Due Diligence Vendor-02/26/2026 Open-Title Coverage Amount of $XXXXX is Less than Total Amount of Subject Lien(s) of $XXXXX.XX - Due Diligence Vendor-02/11/2026 |
Resolved-Received Title Commitment with sufficient coverage, finding resolved. - Due Diligence Vendor-02/27/2026 Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXX - Due Diligence Vendor-02/27/2026 |
XXXXXX_1.pdf | AL | Investment | Refinance | Cash Out - Other | 7566272 | N/A | N/A | |||
| 305042049 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-13 11:53 | 2026-02-25 13:16 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-Secondary valuation was received, finding resolved. - Due Diligence Vendor-02/25/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/25/2026 Ready for Review-2/19 XX: According to the XXX 30-Year Fixed - Pink Guidelines A secondary valuation, in addition to the initial appraisal, is required on all loans. This secondary valuation cannot be more than 10% less than the initial appraisal. Acceptable options for a secondary valuation include: An acceptable CU/LCA score (completed by XXX) Please see attached copy of the SSR report that shows LCS risk score of 2 indicating low risk. - Due Diligence Vendor-02/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/13/2026 |
Resolved-Secondary valuation was received, finding resolved. - Due Diligence Vendor-02/25/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/25/2026 |
XXXXXX_1.pdf | DE | Investment | Purchase | NA | 7613065 | N/A | N/A | |||
| 305031288 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-26 10:26 | 2026-03-03 17:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received copy of signed Note and final Closing Disclosure for REO property 3b, finding resolved. - Due Diligence Vendor-03/03/2026 Ready for Review-03/03/26 - XX: Please see attached. - Due Diligence Vendor-03/03/2026 Open-REO property #3b (XXX X XXXXXXXX) has a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO #3b is missing. - Due Diligence Vendor-02/26/2026 |
Resolved-Received copy of signed Note and final Closing Disclosure for REO property 3b, finding resolved. - Due Diligence Vendor-03/03/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf |
AL | Investment | Purchase | NA | 7824435 | N/A | N/A | |||
| 305031288 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-26 10:27 | 2026-03-03 17:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing Tax Cert | Resolved-Lender's guidelines allow the use of 1.5% of the appraised value to calculate property taxes on new construction, finding resolved. - Due Diligence Vendor-03/03/2026 Ready for Review-03/03/26 - XX: A tax cert is not yet available for the subject property. The subject property is a new construction, and the investor guidelines states the lender is required to calculate property taxes at 1.5% of the appraised value. Please see the revised 1003 and 1008 reflecting monthly property taxes of $XXX.XX. - Due Diligence Vendor-03/03/2026 Open-Lender included $XXX.XX per month for property taxes. Missing copy of tax cert to validate taxes utilized. - Due Diligence Vendor-02/26/2026 |
Resolved-Lender's guidelines allow the use of 1.5% of the appraised value to calculate property taxes on new construction, finding resolved. - Due Diligence Vendor-03/03/2026 |
XXXXXX_1.pdf | AL | Investment | Purchase | NA | 7824462 | N/A | N/A | |||
| 305046018 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 04:17 | 2026-02-18 12:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-A copy of the Note for new mortgages with the lender for REO # 3d and #3e was received. - Due Diligence Vendor-02/18/2026 Ready for Review-2/17 XX: Please see attached copies of the notes for the following properties - Due Diligence Vendor-02/17/2026 Open-1003 application indicates REO properties #3d and #3e with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO properties #3d and #3e with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-02/06/2026 |
Resolved-A copy of the Note for new mortgages with the lender for REO # 3d and #3e was received. - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf |
IL | Investment | Purchase | NA | 7483656 | N/A | N/A | |||
| 305047920 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 08:48 | 2026-03-04 14:06 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Received hazard insurance with effective date of XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/04/2026 Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/04/2026 Ready for Review-3/4 XX: The previous document states that the policy period are from XX/XX/XXXX-XX/XX/XXXX - Due Diligence Vendor-03/04/2026 Counter-Document provided matches doc from the original loan file showing an effective date of XX/XX/XXXX which is after the disbursement date of XX/XX/XXXX. Finding remains - Due Diligence Vendor-03/03/2026 Ready for Review-3/2 XX: Please see attached document - Due Diligence Vendor-03/02/2026 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-02/11/2026 |
Resolved-Received hazard insurance with effective date of XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/04/2026 Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/04/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf |
CA | Investment | Refinance | Cash Out - Other | 7558429 | N/A | N/A | |||
| 305036274 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-24 18:28 | 2026-03-03 14:28 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Documentation in file confirms property on XXXXX XXXXX was closed in the name of an XXX in XX/XXXX. File meets guidelines, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/03/2026 Ready for Review-3/2 XX: Please see attached open lien report that shows the new purchase is in the name of the XXX. Since this is a XXX loan the new REO PITIA would not impact the ratios. - Due Diligence Vendor-03/02/2026 Open-Housing History Does Not Meet Guideline Requirements Copy of the Note and/or Final Closing Disclosure was not provided for the borrower’s recent acquisition of the property located on XXXXX XX. - Due Diligence Vendor-02/25/2026 |
Resolved-Documentation in file confirms property on XXXXXXX was closed in the name of an XXXXXXX in XX/XX/XXXX. File meets guidelines, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/03/2026 |
XXXXXX_1.pdf | FL | Investment | Purchase | NA | 7789399 | N/A | N/A | |||
| 305033734 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-27 17:19 | 2026-03-04 15:34 | Resolved | 1 - Information | Credit | Missing Doc | Gift Documentation Incomplete | Resolved-Gift funds verified via Closing Disclosure and copy of wire. Although actual gift funds were lower than reflected on the gift letter, documentation meets guidelines. Finding resolved - Due Diligence Vendor-03/04/2026 Ready for Review-03/04/2026 - XX: Please see the attached wire receipt reflecting receipt of $XXX. Though the provided gift letter reflects $XX,XXX, a revised gift letter was not obtained or required due to the title company receiving less than that amount. - Due Diligence Vendor-03/04/2026 Open-Gift Documentation Incomplete. The Gift Letter reflects a Gift of $XX,XXX while the Final Closing Disclosure reflects a gift of $XX,XXX. - Due Diligence Vendor-02/27/2026 |
Resolved-Gift funds verified via Closing Disclosure and copy of wire. Although actual gift funds were lower than reflected on the gift letter, documentation meets guidelines. Finding resolved - Due Diligence Vendor-03/04/2026 |
XXXXXX_1.pdf | MI | Investment | Purchase | NA | 7853231 | N/A | N/A | |||
| 305040628 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:33 | 2026-02-16 10:05 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-This finding was cleared 2/12/2026. - Due Diligence Vendor-02/16/2026 Ready for Review-XX 2/13: Please advise what further is needed from us to clear this finding - Due Diligence Vendor-02/13/2026 Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/12/2026 Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date missing is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026 |
Resolved-This finding was cleared XX/XX/XXXX. - Due Diligence Vendor-02/16/2026 Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/12/2026 Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date missing is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026 |
KS | Primary Residence | Purchase | NA | 7519349 | N/A | N/A | ||||
| 305040628 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:04 | 2026-02-12 14:47 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026 Open- - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/09/2026 Open- - Due Diligence Vendor-02/09/2026 |
Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/12/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026 |
KS | Primary Residence | Purchase | NA | 7518618 | N/A | N/A | ||||
| 305040628 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:04 | 2026-02-12 14:46 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Ready for Review-XX 2/12 Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX and disclosed XX/XX/XXXX when all 6 pieces of information were received. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the incorrect Application date and should be XX/XX/XXXX - Due Diligence Vendor-02/12/2026 Open-The Initial Disclosure Date (XXXX/XX/XX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-02/09/2026 Open- - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/09/2026 Open- - Due Diligence Vendor-02/09/2026 |
Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/12/2026 |
KS | Primary Residence | Purchase | NA | 7518619 | N/A | N/A | ||||
| 305040628 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 07:15 | 2026-02-11 07:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026 |
KS | Primary Residence | Purchase | NA | 7556188 | Investor Post-Close | No | ||||
| 305040628 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:37 | 2026-02-09 11:50 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026 | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026 |
KS | Primary Residence | Purchase | NA | 7519439 | Investor Post-Close | No | ||||
| 305044593 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-27 12:09 | 2026-03-04 17:12 | Resolved | 1 - Information | Credit | Missing Doc | Gift Documentation Incomplete | Resolved-Gift letters and proof of receipt of gift funds provided for $X,XXX gift and $XX,XXX gift. Finding resolved. - Due Diligence Vendor-03/04/2026 Ready for Review-03/04/2026 - XX: Please see the attached gift letters and proof of receipt from title. - Due Diligence Vendor-03/04/2026 Open-Gift Documentation Incomplete. The Gift Letter for the $X,XXX gift is missing. The Gift Letter and Proof of receipt for the $XX,XXX gift are missing. - Due Diligence Vendor-02/27/2026 |
Resolved-Gift letters and proof of receipt of gift funds provided for $XXXXX gift and $XXXXX gift. Finding resolved. - Due Diligence Vendor-03/04/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf XXXXXX_4.pdf |
MD | Investment | Purchase | NA | 7848330 | N/A | N/A | |||
| 305051367 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-28 07:45 | 2026-03-04 09:58 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lender provided copy of Note for XXXXXXX XXXXXX property showing the first payment due XX/XX/XXXX. Finding resolved - Due Diligence Vendor-03/04/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 Ready for Review-3/4 XX: Please note that payment history cannot be provided on the property at XXXX XXXXXX XXXXXX because the property was just recently purchased and note date of XX/XX/XXXX. The first payment date is not due until XX/XX/XXXX. Please see attached note for purchase. - Due Diligence Vendor-03/04/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lender guidelines require evidence of payment history on any mortgage loans disclosed by the borrower. Despite this requirement, borrowed disclosed ownership of a XXXXXX XXXXXX property with an open mortgage. The was no evidence in the file that this property was not owned by the borrower, therefore a mortgage history is required which was not provided. - Due Diligence Vendor-02/28/2026 |
Resolved-Lender provided copy of Note for XXXXX property showing the first payment due XX/XX/XXXX. Finding resolved - Due Diligence Vendor-03/04/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 |
XXXXXX_1.pdf | PA | Investment | Purchase | NA | 7855880 | N/A | N/A | |||
| 305057543 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-03-03 11:29 | 2026-03-03 11:53 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is ineligible due to Subject is zoned "mixed use", per lender guidelines not allowed. . Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/03/2026 |
Waived-Property type is ineligible due to Subject is zoned "mixed use", per lender guidelines not allowed. . Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/03/2026 |
75% LTV DSCR 1.23 Fico 769 Reserves $XXXXXXX (3 months = $XXXXXX + XXXXXXX surplus) |
TX | Investment | Purchase | NA | 7899527 | Originator Pre-Close | Yes | |||
| 305051363 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-03-20 10:47 | 2026-03-20 10:47 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026 | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026 |
WI | Investment | Purchase | NA | 8241260 | Investor Post-Close | No | ||||
| 305013675 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 08:31 | 2026-02-17 18:14 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Foundation inspection received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-02/18/2026 Ready for Review-foundation Assessment - Due Diligence Vendor-02/05/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-01/20/2026 |
Resolved-Foundation inspection received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf | OH | Investment | Refinance | Cash Out - Other | 7177954 | N/A | N/A | |||
| 305040605 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 09:39 | 2026-03-30 19:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-03/04/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/04/2026 Ready for Review-good standing - Due Diligence Vendor-03/04/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/12/2026 |
Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-03/04/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/04/2026 |
XXXXXX_1.pdf | OH | Investment | Purchase | NA | 7583663 | N/A | N/A | |||
| 305040605 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 09:39 | 2026-03-30 19:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Evidence of Tax ID received, finding resolved. - Due Diligence Vendor-03/04/2026 Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/04/2026 Ready for Review-XXXXXX XXXX is formed under an SSN. No EIN as per UW email attached. - Due Diligence Vendor-03/04/2026 Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/12/2026 |
Resolved-Evidence of Tax ID received, finding resolved. - Due Diligence Vendor-03/04/2026 Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/04/2026 |
XXXXXX_1.pdf | OH | Investment | Purchase | NA | 7583664 | N/A | N/A | |||
| 304909918 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-24 06:21 | 2026-03-30 12:30 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Good standing within 30 days received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days is within guidelines. - Due Diligence Vendor-02/17/2026 Ready for Review-good standings - Due Diligence Vendor-02/04/2026 Open-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days exceeds guidelines. Lender guidelines require certificate of good standing within 30 days of closing. Copy in file is 43 days from closing. - Due Diligence Vendor-01/24/2026 |
Resolved-Good standing within 30 days received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days is within guidelines. - Due Diligence Vendor-02/17/2026 |
XXXXXX_1.pdf | OH | Investment | Refinance | Cash Out - Other | 7282529 | N/A | N/A | |||
| 304909918 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-24 06:43 | 2026-02-17 18:02 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 with lender DSCR received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026 Ready for Review-1008 - Due Diligence Vendor-02/04/2026 Open-Missing Approval/Underwriting Summary File is missing the lender's DCSR calculation worksheet. Per lender's guidelines, DSCR loan files must include documentation detailing the debt service coverage ratio. - Due Diligence Vendor-01/24/2026 |
Resolved-1008 with lender DSCR received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf | OH | Investment | Refinance | Cash Out - Other | 7282548 | N/A | N/A | |||
| 305028183 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 11:35 | 2026-01-29 10:06 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Loan approval provided. - Due Diligence Vendor-01/29/2026 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/29/2026 Ready for Review-AUS attached - Due Diligence Vendor-01/28/2026 Open-Missing Approval/Underwriting Summary File is missing lender approval and DSCR worksheet. Lender guidelines require the DSCR calculation to be in the file. - Due Diligence Vendor-01/23/2026 |
Resolved-Loan approval provided. - Due Diligence Vendor-01/29/2026 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/29/2026 |
XXXXXX_1.pdf | KS | Investment | Purchase | NA | 7273878 | N/A | N/A | |||
| 305044958 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-03-27 17:48 | 2026-03-27 17:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026 | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026 |
KS | Investment | Refinance | Cash Out - Other | 8369936 | Investor Post-Close | No | ||||
| 305044958 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-16 06:55 | 2026-02-25 12:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Received borrowing entity tax ID, finding resolved. - Due Diligence Vendor-02/25/2026 Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026 Ready for Review-Missing Borrowing Entity Tax ID -- Missing Borrowing Entity Tax ID.,Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/19/2026 Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/16/2026 |
Resolved-Received borrowing entity tax ID, finding resolved. - Due Diligence Vendor-02/25/2026 Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026 |
XXXXXX_1.pdf | KS | Investment | Refinance | Cash Out - Other | 7629907 | N/A | N/A | |||
| 305034604 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 04:06 | 2026-02-18 12:39 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/18/2026 Ready for Review-A hazard insurance policy for the subject property with a policy period from XX/XX/XXXX to XX/XX/XXXX was received. - Due Diligence Vendor-02/18/2026 Ready for Review-2/17 XX: Please see attached document that shows policy from XX/XX/XXXX-XX/XX/XXXX - Due Diligence Vendor-02/17/2026 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXX - Due Diligence Vendor-02/04/2026 |
Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf | OH | Investment | Refinance | No Cash Out - Borrower Initiated | 7431452 | N/A | N/A | |||
| 304898188 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-26 14:51 | 2026-03-03 16:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Final Closing Disclosures received for REO properties 3b and 3c. Documentation provided for REO properties 3a and 3d though 3j showing loans have been approved but are pending. Finding resolved. - Due Diligence Vendor-03/03/2026 Ready for Review-03/03/2026 - XX: Please see attached. The only loans that have closed are XXXX X XXXX and XXXX XXXXXXXX XXX. All other files have not been cleared to close. - Due Diligence Vendor-03/03/2026 Open-1003 application indicates the following REO properties with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REOs a new mortgage as reflected on the 1003 application is missing. (XXXX X XXXX XX, XXXX XXXX XX, XXXX XXXXXXX, XXXX XXXXXXX, XXXX X XXXX XX, XXXX X XXXX XX, XXXX X XXXX XX and XXXX XXXXXX XXX.) - Due Diligence Vendor-02/26/2026 |
Resolved-Final Closing Disclosures received for REO properties 3b and 3c. Documentation provided for REO properties 3a and 3d though 3j showing loans have been approved but are pending. Finding resolved. - Due Diligence Vendor-03/03/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf XXXXXX_4.pdf XXXXXX_5.pdf XXXXXX_6.pdf XXXXXX_7.pdf XXXXXX_8.pdf XXXXXX_9.pdf XXXXXX_10.pdf |
OH | Investment | Purchase | NA | 7831067 | N/A | N/A | |||
| 304898188 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-16 04:42 | 2026-03-03 15:47 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Secondary valuation received, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/03/2026 Ready for Review-03/03/26 - XX: Please see attached. - Due Diligence Vendor-03/03/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/16/2026 |
Resolved-Secondary valuation received, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/03/2026 |
XXXXXX_1.pdf | OH | Investment | Purchase | NA | 7628364 | N/A | N/A | |||
| 304874817 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-25 16:54 | 2026-02-18 10:15 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 2 | Resolved-According to the lender the borrower does not own this property. The final 1003 application does not reflect the property. - Due Diligence Vendor-02/18/2026 Ready for Review-2/4 XX: This was not reflected on the final 1003, borrower does not own this property. - Due Diligence Vendor-02/04/2026 Counter-The full address is XXXX XXXXXX XXXX, XXXXXXXXX XX - reflected on the initial 1003 dated XX/XX/XXXX as property 3c. - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX: Please clarify full address of the REO in question, 1003 did not include any REOs on XXXXXXX XX and we are unsure where this is coming from - Due Diligence Vendor-01/29/2026 Open-Missing evidence REO XXXXXXX XX is owned free and clear. - Due Diligence Vendor-01/25/2026 |
Resolved-According to the lender the borrower does not own this property. The final 1003 application does not reflect the property. - Due Diligence Vendor-02/18/2026 |
OK | Investment | Refinance | Cash Out - Other | 7287129 | N/A | N/A | ||||
| 304874817 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-25 16:53 | 2026-01-30 14:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-The Closing Disclosures for all five recently closed loans have been provided, condition resolved. - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX: See attached CDs - Due Diligence Vendor-01/29/2026 Open-1003 application indicates REO properties # 3c, 3d, 3e, 3f, and 3g with a new mortgage with the lender. A copy of the Note and or final closing disclosure for the REOS with new mortgages as reflected on the 1003 application is missing. - Due Diligence Vendor-01/25/2026 |
Resolved-The Closing Disclosures for all five recently closed loans have been provided, condition resolved. - Due Diligence Vendor-01/30/2026 |
XXXXXX_1.pdf | OK | Investment | Refinance | Cash Out - Other | 7287126 | N/A | N/A | |||
| 304874815 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 06:06 | 2026-02-03 06:03 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/03/2026 Ready for Review-2/2 XX: The UW has 6 total loans in process with XXX including the subject property. Please see the additional 5 mtg notes for the other properties. - Due Diligence Vendor-02/02/2026 Open-Housing History Does Not Meet Guideline Requirements The borrower has 6 total loans in process with the lender per the URLA in file. Provide a final CD/Note for all new loans. - Due Diligence Vendor-01/27/2026 |
Verified 5 additional REOs closed with the lender, condition cleared. - 02/03/2026 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/03/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf XXXXXX_4.pdf XXXXXX_5.pdf |
OK | Investment | Refinance | Cash Out - Other | 7308159 | N/A | N/A | ||
| 304893939 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 14:16 | 2026-02-02 15:48 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/02/2026 Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 |
Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/02/2026 Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7094004 | N/A | N/A | ||||
| 304893939 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 14:17 | 2026-02-02 15:46 | Resolved | 1 - Information | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-CHARM Booklet Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-02/02/2026 Ready for Review-XX 2/2 Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX but not disclosed until XX/XX due to not having all 6 pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect. - Due Diligence Vendor-02/02/2026 Counter-The lock confirmation with created date XX/XX/XXXX reflects an application date of XX/XX/XXXX. - Due Diligence Vendor-01/15/2026 Ready for Review-XX 1/15: Please clarify the docID of the loan app reflecting XX/XX so we can further assist, earliest signature is XX/XX - Due Diligence Vendor-01/15/2026 Open-The CHARM Booklet date of XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. - Due Diligence Vendor-01/14/2026 |
Resolved-CHARM Booklet Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7094059 | N/A | N/A | ||||
| 304893939 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 14:16 | 2026-02-02 15:45 | Resolved | 1 - Information | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-02/02/2026 Ready for Review-XX 2/2 Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all 6 pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect. - Due Diligence Vendor-02/02/2026 Counter-The lock confirmation with created date XX/XX/XXXX reflects an application date of XX/XX/XXXX. - Due Diligence Vendor-01/15/2026 Ready for Review-XX 1/15: Please clarify the docID of the loan app reflecting XX/XX so we can further assist, earliest signature is XX/XX - Due Diligence Vendor-01/15/2026 Open-The ARM Disclosure date of 1XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. - Due Diligence Vendor-01/14/2026 |
Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7094011 | N/A | N/A | ||||
| 304893939 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 14:11 | 2026-02-02 15:45 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/02/2026 Ready for Review-XX 2/2 Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all 6 pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect. - Due Diligence Vendor-02/02/2026 Counter-The lock confirmation with created date XX/XX/XXXX reflects an application date of XX/XX/XXXX. - Due Diligence Vendor-01/15/2026 Ready for Review-XX 1/15: Please clarify the docID of the loan app reflecting XX/XX/XXXX so we can further assist, earliest signature is XX/XX/XXXX - Due Diligence Vendor-01/15/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 |
Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7093913 | N/A | N/A | ||||
| 304893939 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 14:11 | 2026-02-02 15:44 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/02/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 |
Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/02/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7093912 | N/A | N/A | ||||
| 304893939 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 14:10 | 2026-01-14 14:10 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7093877 | Investor Post-Close | No | ||||
| 304907215 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-22 07:42 | 2026-01-29 10:15 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-01/29/2026 Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-01/29/2026 Ready for Review-please see attached doc XX 1.28 - Due Diligence Vendor-01/28/2026 Open-Title Coverage Amount of $XXXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-12/22/2025 |
Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-01/29/2026 Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-01/29/2026 |
XXXXXX_1.pdf | TX | Investment | Refinance | Cash Out - Other | 6731710 | N/A | N/A | |||
| 304909623 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-03 05:20 | 2026-01-14 17:50 | Resolved | 1 - Information | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Verified Appraiser License with the State of Colorado Division of Real Estate; condition resolved. - Due Diligence Vendor-01/14/2026 Ready for Review-1/13 XX: The appraiser's license shows active from XX/XX/XXXX-XX/XX/XXXX. The appraisal was completed XX/XX/XXXX. The license was active at the time of completion. - Due Diligence Vendor-01/13/2026 Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-01/03/2026 |
Resolved-Verified Appraiser License with the State of Colorado Division of Real Estate; condition resolved. - Due Diligence Vendor-01/14/2026 |
CO | Primary Residence | Purchase | NA | 6905537 | N/A | N/A | ||||
| 305023781 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 11:30 | 2026-02-18 05:25 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage of $XX,XXX received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX.XX - Due Diligence Vendor-02/18/2026 Ready for Review-Title Policy - Due Diligence Vendor-02/11/2026 Open-Title Coverage Amount of $XXXXX is Less than Total Amount of Subject Lien(s) of $XXXXX.XX - Due Diligence Vendor-01/20/2026 |
Resolved-Title coverage of $XXXXXXX received and cleared. - Due Diligence Vendor-02/18/2026 Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf | MI | Investment | Purchase | NA | 7182992 | N/A | N/A | |||
| 304896389 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-18 05:48 | 2026-02-08 16:53 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Document provided. - Due Diligence Vendor-02/08/2026 Ready for Review-02/03/26 - XX: Please see attached. - Due Diligence Vendor-02/03/2026 Open-Missing Mortgage Riders – PUD Rider .Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-12/18/2025 |
Resolved-Document provided. - Due Diligence Vendor-02/08/2026 |
XXXXXX_1.pdf | AR | Investment | Purchase | NA | 6679825 | N/A | N/A | |||
| 304898410 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 18:42 | 2026-02-17 18:23 | Resolved | 1 - Information | Credit | Title | Property Title Issue | Resolved-Warranty Deed received and cleared. - Due Diligence Vendor-02/18/2026 Ready for Review-2/6 XX: See attached deed - Due Diligence Vendor-02/06/2026 Open-Warranty deed for the subject property from XXX XXXXXXXXXX to XXXXXXX XXXX XXXXXX is missing. - Due Diligence Vendor-01/27/2026 |
Resolved-Warranty Deed received and cleared. - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf | LA | Investment | Refinance | No Cash Out - Borrower Initiated | 7305272 | N/A | N/A | |||
| 304898410 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 18:42 | 2026-01-30 14:43 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Hazard Insurance Declaration | Resolved-Hazard insurance premium provided, condition resolved. - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX: See attached confirmation of premium - Due Diligence Vendor-01/29/2026 Open-All pages of the hazard insurance were not provided. Missing hazard insurance premium. - Due Diligence Vendor-01/27/2026 |
Resolved-Hazard insurance premium provided, condition resolved. - Due Diligence Vendor-01/30/2026 |
XXXXXX_1.pdf | LA | Investment | Refinance | No Cash Out - Borrower Initiated | 7305271 | N/A | N/A | |||
| 305030936 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 13:42 | 2026-02-12 15:29 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the initial CD. Condition cleared. - Due Diligence Vendor-02/12/2026 Ready for Review-XX 2/12 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the 3 business days before the closing date of XX/XX/XXXX- Due Diligence Vendor-02/12/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-02/09/2026 Open- - Due Diligence Vendor-02/09/2026 Open- - Due Diligence Vendor-02/09/2026 |
Resolved-Received the initial CD. Condition cleared. - Due Diligence Vendor-02/12/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf |
CA | Primary Residence | Purchase | NA | 7522518 | N/A | N/A | |||
| 304909819 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 09:32 | 2026-01-30 14:54 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Copies of the Final Closing Disclosures have been provided for the borrower’s recent acquisitions of the three additional properties—XXXX XXXXX, XXXXX XXXXXX, and XXXXXXXX XXXX. A settlement statement for XXXXXXX XXXXX was also provided, confirming the borrower on that transaction was an XXX. No further documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XXX: Please see attached final CDs for the REO properties at XXXXXXXXX, XXXXX, and XXXX. Please note that the settlement statement for the refinance of XXXX XXXXXXX confirms that the borrower on the transaction was XXXXX XXXX XXXXXXXXX XXX, so the borrower is not personally obligated on the loan. - Due Diligence Vendor-01/30/2026 Open-Housing History Does Not Meet Guideline Requirements Copies of the Notes and Final Closing Disclosures were not provided for the borrower’s recent acquisitions of the three additional real estate properties—XXXX XXXXX, XXXXX XXXXXX, and XXXXXXXX XXXX. In addition, the Note for the recent refinance of the XXXXXXX XXXXX property is missing. A satisfactory verification of mortgage may be required if the borrower is a personal guarantor. - Due Diligence Vendor-01/26/2026 |
Resolved-Copies of the Final Closing Disclosures have been provided for the borrower’s recent acquisitions of the three additional properties—XXXXXXX, XXXXXXX, and XXXXXXX. A settlement statement for XXXXXXX was also provided, confirming the borrower on that transaction was an XXX. No further documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/30/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf XXXXXX_4.pdf |
MO | Investment | Purchase | NA | 7294613 | N/A | N/A | |||
| 304909818 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 14:27 | 2026-01-30 15:00 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Copies of the Final Closing Disclosures have been provided for the borrower’s recent acquisitions of the five additional properties—XXXXXX XXXXXX, XXXXXX XXXXXX, XXXXXX XXXXXX, XXXXXX XXXXXX, and XXXXXX XXXXXX. A settlement statement for XXXXXX XXXXXXwas also provided, confirming the borrower on that transaction was an XXX. No further documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XXX: Please see attached final CDs for the REO properties at XXXXXX, XXXXXX, XXXXXX, XXXXXX, and XXXXXX. Please note that the settlement statement for the refinance of XXXXXX XXXXXX confirms that the borrower on the transaction was XXXXXX XXXXXX XXXXXX , so the borrower is not personally obligated on the loan. - Due Diligence Vendor-01/30/2026 Open-Housing History Does Not Meet Guideline Requirements Copies of the Notes and Final Closing Disclosures were not provided for the borrower’s recent acquisitions of the three additional real estate properties—XXXXXX XXX, XXXXXX XXX, XXXXXX XXX, XXXXXX XXX and XXXXXX XXX. In addition, the Note for the recent refinance of the XXXXXX XXX property is missing. A satisfactory verification of mortgage may be required if the borrower is a personal guarantor. - Due Diligence Vendor-01/26/2026 |
Resolved-Copies of the Final Closing Disclosures have been provided for the borrower’s recent acquisitions of the five additional properties—XXXXXXX, XXXXXXX, XXXXXXX, XXXXXXX, and XXXXXXX. A settlement statement for XXXXXXX was also provided, confirming the borrower on that transaction was an XXX. No further documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/30/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf XXXXXX_4.pdf XXXXXX_5.pdf XXXXXX_6.pdf |
MO | Investment | Purchase | NA | 7302342 | N/A | N/A | |||
| 304909817 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 15:29 | 2026-01-30 15:07 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Copies of the Notes have been provided for the borrower’s recent acquisitions. A settlement statement for XXXXXX XXX was also provided, confirming the borrower on that transaction was an LLC. No further documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX: Please see attached final notes for all properties and settlement statement for the XXXXXX XXX property - Due Diligence Vendor-01/30/2026 Open-Housing History Does Not Meet Guideline Requirements Copies of the Notes and Final Closing Disclosures were not provided for the borrower’s recent acquisitions of the additional real estate properties— XXXXXX XXX, XXXXXX XXX, XXXXXX XXX, XXXXXX XXX, XXXXXX XXX andXXXXXX XXX . In addition, the Note for the recent refinance of the XXXXXX XXX property is missing. A satisfactory verification of mortgage may be required if the borrower is a personal guarantor. - Due Diligence Vendor-01/26/2026 |
Resolved-Copies of the Notes have been provided for the borrower’s recent acquisitions. A settlement statement for XXXXXXX was also provided, confirming the borrower on that transaction was an XXXXXXX. No further documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/30/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf XXXXXX_4.pdf XXXXXX_5.pdf XXXXXX_6.pdf XXXXXX_7.pdf |
MO | Investment | Purchase | NA | 7303288 | N/A | N/A | |||
| 305028188 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-05 11:30 | 2026-02-26 14:31 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Policy received with sufficient coverage, finding resolved. - Due Diligence Vendor-02/26/2026 Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-02/26/2026 Ready for Review-XX 2.23.2026 - Please see attached XXXXXX. - Due Diligence Vendor-02/23/2026 Counter-Audit has reviewed the provided title commitment; however, the coverage amount is below the loan amount. The condition remains pending receipt of proof of coverage for no less than $XXXXXX. - Due Diligence Vendor-01/29/2026 Ready for Review-please see attached doc XX 1.28 - Due Diligence Vendor-01/28/2026 Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-01/05/2026 |
Resolved-Title Policy received with sufficient coverage, finding resolved. - Due Diligence Vendor-02/26/2026 Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/26/2026 |
XXXXXX_1.pdf XXXXXX_1.pdf |
TX | Investment | Refinance | Cash Out - Other | 6917455 | N/A | N/A | |||
| 305028187 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-06 09:21 | 2026-02-02 08:00 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-02/02/2026 Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-02/02/2026 Ready for Review-1/23 XX- see attached - Due Diligence Vendor-01/30/2026 Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-01/06/2026 |
Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-02/02/2026 Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/02/2026 |
XXXXXX_1.pdf | TX | Investment | Refinance | Cash Out - Other | 6933637 | N/A | N/A | |||
| 305030925 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 13:33 | 2026-02-18 14:15 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Non-US Document Identification is expired | Resolved-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 Ready for Review-The I-551 stamp indicates permanent residency was extended for one year thru XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 Ready for Review-2/17 XX: Please see attached stamped passport document and renewal. - Due Diligence Vendor-02/17/2026 Open-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/06/2026 |
Resolved-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf |
MS | Investment | Refinance | Cash Out - Other | 7496563 | N/A | N/A | |||
| 305024446 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-26 04:44 | 2026-02-26 14:54 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title with sufficient coverage, finding resolved. - Due Diligence Vendor-02/26/2026 Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-02/26/2026 Ready for Review-XX 2.23.2026 - Please see attached XXX. - Due Diligence Vendor-02/23/2026 Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-12/26/2025 |
Resolved-Received final title with sufficient coverage, finding resolved. - Due Diligence Vendor-02/26/2026 Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/26/2026 |
XXXXXX_1.pdf | GA | Investment | Purchase | NA | 6807517 | N/A | N/A | |||
| 305024446 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-26 05:14 | 2026-01-13 07:25 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Sufficient assets received for reserves, condition cleared. - Due Diligence Vendor-01/13/2026 Resolved-Audited Reserves of 92.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/13/2026 Ready for Review-1/12 XXX: Please see the attached CD from the sale of the property at XXXXXX, these funds were used to cover the entirety of the required funds to close. The borrower also provided their bank statements for their XXXXXX business account, which has enough funds to cover the required reserves amount. Per the investor guidelines, funds from a business account may be used for funds to close and reserves if the borrower is 100% owner. Please see that the Operating Agreement for the business was provided to confirm the borrower as sole owner. - Due Diligence Vendor-01/12/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of 0 month(s) are less than Guideline Required Reserves of 3 month(s). Asset documentation to verify reserves are missing. - Due Diligence Vendor-01/08/2026 |
Resolved-Sufficient assets received for reserves, condition cleared. - Due Diligence Vendor-01/13/2026 Resolved-Audited Reserves of 92.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/13/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf |
GA | Investment | Purchase | NA | 6807700 | N/A | N/A | |||
| 305042288 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 08:51 | 2026-02-25 10:42 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Blanket verification of mortgage received, finding resolved. - Due Diligence Vendor-02/25/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/25/2026 Ready for Review-2/18 XXX: Please not that the XXXXXX XXXXXX XXXXXX is a blanket mortgage that encompassed multiple properties that the borrower owned. Please see the attached VOMs to confirm that the blanket mortgage had 0 late payments in the last 12 months, along with the payoff statement for the portion that the subject transaction was paying off to confirm that the subject was included in the blanket. - Due Diligence Vendor-02/18/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOM document is missing for subject property. - Due Diligence Vendor-02/12/2026 |
Resolved-Blanket verification of mortgage received, finding resolved. - Due Diligence Vendor-02/25/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/25/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf |
OK | Investment | Refinance | Cash Out - Other | 7582432 | N/A | N/A | |||
| 305028262 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 15:13 | 2026-01-29 08:00 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Closing disclosures provided for all 11 recently closed properties, condition resolved. - Due Diligence Vendor-01/29/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/29/2026 Ready for Review-1/28 XX: See attached correct CDS - Due Diligence Vendor-01/28/2026 Counter-Closing Disclosure provided by the lender is for a different borrower. Still pending copies of the Notes and Final Closing Disclosures were not provided for the borrower’s recent acquisitions of the additional 11 real estate properties. The missing documentation pertains to the following properties: five on XXXXXX., three on XXXXXX., one on XXXXXX, one on XXXXXX, and one on XXXXXX, condition remains. - Due Diligence Vendor-01/27/2026 Ready for Review-1/26 XX: See attached CDs - Due Diligence Vendor-01/26/2026 Open-Housing History Does Not Meet Guideline Requirements Copies of the Notes and Final Closing Disclosures were not provided for the borrower’s recent acquisitions of the additional 11 real estate properties. The missing documentation pertains to the following properties: five on XXXXXX., three on XXXXXX., one on XXXXXX, one on XXXXXX, and one on XXXXXX. - Due Diligence Vendor-01/20/2026 |
Resolved-Closing disclosures provided for all 11 recently closed properties, condition resolved. - Due Diligence Vendor-01/29/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/29/2026 |
XXXXXX_1.pdf XXXXXX_1.pdf |
OK | Investment | Purchase | NA | 7188070 | N/A | N/A | |||
| 305028150 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-07 05:26 | 2026-03-30 13:18 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-01/23/2026 Ready for Review-Evidence of Good Standing was received. - Due Diligence Vendor-01/23/2026 Ready for Review-1/21 XX: Please see attached document. - Due Diligence Vendor-01/21/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-01/07/2026 |
Resolved-Evidence of Good Standing provided - Due Diligence Vendor-01/23/2026 |
XXXXXX_1.pdf | OK | Investment | Purchase | NA | 6954172 | N/A | N/A | |||
| 305013402 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 15:07 | 2026-02-03 06:36 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-All additional REO have been verified as closed, sold or rejected. Condition cleared. - Due Diligence Vendor-02/03/2026 Ready for Review-2/2 XX: Please see the attached notes for 4 of the properties, Please see denial letter for one of the properties, & please see property profile reports for 3 other homes that show the home was sold from the borrowers XXX - Due Diligence Vendor-02/03/2026 Counter-Audit has reviewed the lender’s rebuttal. Per lender guidelines, the file must include verification of the borrower’s 12-month mortgage payment history for the primary residence (if applicable), as well as any mortgaged second homes or investment properties. The guidelines require no more than one 30-day late payment within the past 12 months. The subject property’s mortgage payment history has been verified in the loan file. The condition remains outstanding for documentation confirming that the following properties are either owned free and clear or verifying their 12-month mortgage histories: XXXXXX, XXXXXX, XXXXXX, XXXXXX (two properties), XXXXXX XXXXXX, and XXXXXX. Also, copies of the Note and or final closing disclosure for the REOS with new mortgages is missing. - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX: Since this loan is an XXXX (DSCR) 30 Year Fixed - Pink loan and the DSCR is calculated based on the subject PITIA & Subject rental income. The REO information is not required since it is not included into ratios - Due Diligence Vendor-01/30/2026 Open-Corporate Resolution document indicates 9 properties (including the subject property) to be refinanced byXXX (borrower is 51% owner). If properties owned free and clear provide verification of free and clear, if not, provide 12-month verification of mortgage history for all properties. Also, A copy of the Note and or final closing disclosure for the REOS with new mortgages is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-All additional REO have been verified as closed, sold or rejected. Condition cleared. - Due Diligence Vendor-02/03/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf XXXXXX_4.pdf XXXXXX_5.pdf XXXXXX_6.pdf XXXXXX_7.pdf XXXXXX_8.pdf |
FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7302943 | N/A | N/A | |||
| 305013401 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 13:36 | 2026-02-03 06:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Verified the remaining REOS have closed with the lender, been rejected and/or sold. Condition cleared. - Due Diligence Vendor-02/03/2026 Ready for Review-2/2 XX: Please see the attached notes for 4 of the properties, Please see denial letter for one of the properties, & please see property profile reports for 3 other homes that show the home was sold from the borrowers XXX - Due Diligence Vendor-02/03/2026 Counter-Audit has reviewed the lender’s rebuttal. Per lender guidelines, the file must include verification of the borrower’s 12-month mortgage payment history for the primary residence (if applicable), as well as any mortgaged second homes or investment properties. The guidelines require no more than one 30-day late payment within the past 12 months. The subject property’s mortgage payment history has been verified in the loan file. The condition remains outstanding for documentation confirming that the following properties are either owned free and clear or verifying their 12-month mortgage histories: XXXXXX, XXXXXX, XXXXXX,XXXXXX(two properties), XXXXXX, XXXXXX, and XXXXXX. Also, copies of the Note and or final closing disclosure for the REOS with new mortgages is missing. - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX: Since this loan is an XXX (DSCR) 30 Year Fixed - Pink loan and the DSCR is calculated based on the subject PITIA & Subject rental income. The REO information is not required since it is not included into ratios. Trying this way with investor first before I have to ask them for mortgage history from all REOS listed on corporate resolution - Due Diligence Vendor-01/30/2026 Open-Corporate Resolution documents indicate 9 properties to be refinanced by XXX ( borrower is 51% owner) . If are properties owned free and clear provide verification of free and clear, if not, provide 12 month verification of mortgage history for all properties. Also, A copy of the Note and or final closing disclosure for the REOS with new mortgages is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-Verified the remaining REOS have closed with the lender, been rejected and/or sold. Condition cleared. - Due Diligence Vendor-02/03/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf XXXXXX_4.pdf XXXXXX_5.pdf XXXXXX_6.pdf XXXXXX_7.pdf XXXXXX_8.pdf |
FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7301565 | N/A | N/A | |||
| 305013575 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 14:09 | 2026-02-03 06:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Remaining REOs have been verified as closed with the lender, rejected and/or sold. Condition cleared. - Due Diligence Vendor-02/03/2026 Ready for Review-2/2 XX: Please see the attached notes for 4 of the properties, Please see denial letter for one of the properties, & please see property profile reports for 3 other homes that show the home was sold from the borrowers XXX - Due Diligence Vendor-02/03/2026 Counter-Audit has reviewed the lender’s rebuttal. Per lender guidelines, the file must include verification of the borrower’s 12-month mortgage payment history for the primary residence (if applicable), as well as any mortgaged second homes or investment properties. The guidelines require no more than one 30-day late payment within the past 12 months. The subject property’s mortgage payment history has been verified in the loan file. The condition remains outstanding for documentation confirming that the following properties are either owned free and clear or verifying their 12-month mortgage histories: XXXXXX, XXXXXX, XXXXXX, XXXXXX (two properties), XXXXXX, XXXXXX, and XXXXXX. Also, copies of the Note and or final closing disclosure for the REOS with new mortgages is missing. - Due Diligence Vendor-02/02/2026 Ready for Review-1/29 XX: Since this loan is an XXX (DSCR) 30 Year Fixed - Pink loan and the DSCR is calculated based on the subject PITIA & Subject rental income. The REO information is not required since it is not included into ratios. Trying this way with investor first before I have to ask them for mortgage history from all REOS listed on corporate resolution - Due Diligence Vendor-01/30/2026 Open-Corporate Resolution document indicate 9 properties (including the subject property) to be refinanced by XXX ( borrower is 51% owner) . If properties owned free and clear provide verification of free and clear, if not, provide 12 month verification of mortgage history for all properties. Also, A copy of the Note and or final closing disclosure for the REOS with new mortgages is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-Remaining REOs have been verified as closed with the lender, rejected and/or sold. Condition cleared. - Due Diligence Vendor-02/03/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf XXXXXX_4.pdf XXXXXX_5.pdf XXXXXX_6.pdf XXXXXX_7.pdf XXXXXX_8.pdf |
FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7302049 | N/A | N/A | |||
| 305013575 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 14:08 | 2026-02-02 10:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Audit has reviewed and determined an operating agreement is not required when only one member is a borrower on the loan, a corporate resolution has been provided, condition resolved. - Due Diligence Vendor-02/02/2026 Ready for Review-1/30 XX: Per guidelines A Corporate Resolution is required when some owners of a multiple member entity are not borrowers on the loan. An operating agreement is not required - Due Diligence Vendor-01/30/2026 Open-The loan file is missing an operating agreement or other documentation to verify ownership. Articles of Incorporation as required per lender guidelines are missing. - Due Diligence Vendor-01/26/2026 |
Resolved-Audit has reviewed and determined an operating agreement is not required when only one member is a borrower on the loan, a corporate resolution has been provided, condition resolved. - Due Diligence Vendor-02/02/2026 |
XXXXXX_1.pdf | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7302033 | N/A | N/A | |||
| 305046107 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 06:18 | 2026-02-25 10:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received copy of Note and final CD for property 3b. Finding resolved - Due Diligence Vendor-02/25/2026 Ready for Review-02/18/26 - XX: Please see attached. - Due Diligence Vendor-02/18/2026 Open-1003 application indicates REO property #3b with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO property #3b with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-02/12/2026 |
Resolved-Received copy of Note and final CD for property 3b. Finding resolved - Due Diligence Vendor-02/25/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf |
MS | Investment | Purchase | NA | 7578359 | N/A | N/A | |||
| 305026111 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-24 07:23 | 2026-02-02 11:09 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Final closing disclosure provided for the three new loans with the lender, condition resolved. - Due Diligence Vendor-02/02/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/02/2026 Ready for Review-1/30 XXX Please see the attached final CDs for the REO properties. - Due Diligence Vendor-01/30/2026 Open-Housing History Does Not Meet Guideline Requirements Borrower has 3 new loans with the same lender listed on the 1003. Please provide final CD/Note for the new loans. - Due Diligence Vendor-01/24/2026 |
Resolved-Final closing disclosure provided for the three new loans with the lender, condition resolved. - Due Diligence Vendor-02/02/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/02/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf |
FL | Investment | Purchase | NA | 7282588 | N/A | N/A | |||
| 305026109 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 10:25 | 2026-01-29 10:57 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Copies of the final Closing Disclosures have been provided for the recent purchases of the three other properties. Condition resolved. - Due Diligence Vendor-01/29/2026 Ready for Review-1/27 XX: See attached CDs, note should not be required as CDs contain all necessary information - Due Diligence Vendor-01/28/2026 Open-1003 application indicates REO properties #3b, 3c and 3d with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO properties #3b, 3c and 3d with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-01/22/2026 |
Resolved-Copies of the final Closing Disclosures have been provided for the recent purchases of the three other properties. Condition resolved. - Due Diligence Vendor-01/29/2026 |
XXXXXX_1.pdf | FL | Investment | Purchase | NA | 7246111 | N/A | N/A | |||
| 305026109 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 10:54 | 2026-01-23 13:30 | Waived | 2 - Non-Material | Property | Property | Property Zoning Does Not Meet Program Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/22/2026 | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/22/2026 |
Lender provided and validated comp factors. Compensating factors; 803 FICO, 6 months additional reserves, DSCR is above minimum requirements. | FL | Investment | Purchase | NA | 7246732 | Originator Pre-Close | Yes | |||
| 305042286 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:14 | 2026-02-18 17:53 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/18/2026 Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. LTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 Ready for Review-2/18 XXX: Please note that the subject transaction is a delayed financing transaction. Per the investor guidelines, "delayed financing transactions must be submitted as cash-out transactions but are are underwritten and priced as a rate and term refinance. The transaction is subject to the matrix restrictions of a rate and term transaction and are not subject to cash out refinance program limitations." This loan is still eligible at 80% LTV. - Due Diligence Vendor-02/18/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75% for a cash out refinance. - Due Diligence Vendor-02/12/2026 |
Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/18/2026 |
OH | Investment | Refinance | Cash Out - Other | 7518790 | N/A | N/A | ||||
| 305042285 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:42 | 2026-02-18 17:06 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/18/2026 Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. CLTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 Ready for Review-02/18/2026 - XX: This is a delayed financing transaction, and the investor guidelines permit the file to be underwritten via Rate & Term Parameters. Therefore, an LTV,CLTV, and HCLTV of 80% is allowed. - Due Diligence Vendor-02/18/2026 Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% 80% CLTV exceeds the maximum CLTV of 75% for a cash out refinance. - Due Diligence Vendor-02/11/2026 |
Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf | IL | Investment | Refinance | Cash Out - Other | 7519587 | N/A | N/A | |||
| 305042285 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:42 | 2026-02-18 17:06 | Resolved | 1 - Information | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-02/18/2026 Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. HLTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 Ready for Review-02/18/2026 - XX: This is a delayed financing transaction, and the investor guidelines permit the file to be underwritten via Rate & Term Parameters. Therefore, an LTV,CLTV, and HCLTV of 80% is allowed. - Due Diligence Vendor-02/18/2026 Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-02/09/2026 |
Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf | IL | Investment | Refinance | Cash Out - Other | 7519588 | N/A | N/A | |||
| 305042285 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:42 | 2026-02-18 17:06 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/18/2026 Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. LTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 Ready for Review-02/18/2026 - XX: This is a delayed financing transaction, and the investor guidelines permit the file to be underwritten via Rate & Term Parameters. Therefore, an LTV,CLTV, and HCLTV of 80% is allowed. - Due Diligence Vendor-02/18/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75% 80% LTV exceeds the maximum LTV of 75% for a cash out refinance. - Due Diligence Vendor-02/11/2026 |
Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf | IL | Investment | Refinance | Cash Out - Other | 7519589 | N/A | N/A | |||
| 305042284 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 14:32 | 2026-02-18 16:48 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/18/2026 Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. CLTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 Ready for Review-02/18/2026 - XX: This is a delayed financing transaction, and the investor guidelines permit the file to be underwritten via Rate & Term Parameters. Therefore, an LTV,CLTV, and HCLTV of 80% is allowed. - Due Diligence Vendor-02/18/2026 Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% 80% CLTV exceeds the maximum CLTV of 75% for a cash out refinance. - Due Diligence Vendor-02/09/2026 |
Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf | OH | Investment | Refinance | Cash Out - Other | 7523488 | N/A | N/A | |||
| 305042284 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 14:32 | 2026-02-18 16:48 | Resolved | 1 - Information | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-02/18/2026 Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. HLTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 Ready for Review-02/18/2026 - XX: This is a delayed financing transaction, and the investor guidelines permit the file to be underwritten via Rate & Term Parameters. Therefore, an LTV,CLTV, and HCLTV of 80% is allowed. - Due Diligence Vendor-02/18/2026 Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-02/09/2026 |
Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf | OH | Investment | Refinance | Cash Out - Other | 7523489 | N/A | N/A | |||
| 305042284 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 14:32 | 2026-02-18 16:48 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/18/2026 Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. LTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 Ready for Review-02/18/2026 - XX: This is a delayed financing transaction, and the investor guidelines permit the file to be underwritten via Rate & Term Parameters. Therefore, an LTV,CLTV, and HCLTV of 80% is allowed. - Due Diligence Vendor-02/18/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75% 80% LTV exceeds the maximum LTV of 75% for a cash out refinance. - Due Diligence Vendor-02/09/2026 |
Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf | OH | Investment | Refinance | Cash Out - Other | 7523490 | N/A | N/A | |||
| 305042283 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-25 08:47 | 2026-03-03 09:07 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documentation provided showing property is owned XXX, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/03/2026 Ready for Review-3/2 XXX: Please note that the property at XXXXXX was purchased without a mortgage, the property was confirmed to be free and clear, so therefore the VOM would not be applicable. - Due Diligence Vendor-03/02/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The loan file contains an LOE from the Borrower for their primary residence indicating the house was purchased in within a few months of the subject property and references a HUD1 settlement statement to verify purchase date of property; however, the settlement statement is not in the loan file. - Due Diligence Vendor-02/25/2026 |
Resolved-Documentation provided showing property is owned F&C, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/03/2026 |
XXXXXX_1.pdf | IL | Investment | Refinance | Cash Out - Other | 7797826 | N/A | N/A | |||
| 305042283 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 12:13 | 2026-03-03 08:46 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Transaction is delayed financing, loan meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-03/03/2026 Ready for Review-3/2 XXX: Please note that the subject transaction is delayed financing, therefore investor guidelines allow the product to reflect as a cash-out transaction while the loan is underwritten to rate and term parameters. The FICO and DSCR allow for an 80% LTV. - Due Diligence Vendor-03/02/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-02/09/2026 |
Resolved-Transaction is delayed financing, loan meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-03/03/2026 |
IL | Investment | Refinance | Cash Out - Other | 7520313 | N/A | N/A | ||||
| 305042283 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 12:13 | 2026-03-03 08:45 | Resolved | 1 - Information | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Transaction is delayed financing, loan meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 75% - Due Diligence Vendor-03/03/2026 Ready for Review-3/2 XXX: Please note that the subject transaction is delayed financing, therefore investor guidelines allow the product to reflect as a cash-out transaction while the loan is underwritten to rate and term parameters. The FICO and DSCR allow for an 80% LTV. - Due Diligence Vendor-03/02/2026 Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-02/09/2026 |
Resolved-Transaction is delayed financing, loan meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 75% - Due Diligence Vendor-03/03/2026 |
IL | Investment | Refinance | Cash Out - Other | 7520312 | N/A | N/A | ||||
| 305042283 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 12:13 | 2026-03-03 08:45 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Transaction is delayed financing, loan meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-03/03/2026 Ready for Review-3/2 XXX: Please note that the subject transaction is delayed financing, therefore investor guidelines allow the product to reflect as a cash-out transaction while the loan is underwritten to rate and term parameters. The FICO and DSCR allow for an 80% LTV. - Due Diligence Vendor-03/02/2026 Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% - Due Diligence Vendor-02/09/2026 |
Resolved-Transaction is delayed financing, loan meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-03/03/2026 |
IL | Investment | Refinance | Cash Out - Other | 7520311 | N/A | N/A | ||||
| 305030718 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 12:56 | 2026-01-28 09:38 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Final closing disclosure provided for XXXXXX dated XX/XX/XXXX, condition resolved. - Due Diligence Vendor-01/28/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/28/2026 Ready for Review-1/27 XX: See attached CD - Due Diligence Vendor-01/27/2026 Open-Housing History Does Not Meet Guideline Requirements Borrower has an addition REO with the lender that is not reporting on the credit report. Please provide final CD/Note for this new lien. - Due Diligence Vendor-01/22/2026 |
Resolved-Final closing disclosure provided for XXXXXXX dated XX/XX/XXXX, condition resolved. - Due Diligence Vendor-01/28/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/28/2026 |
XXXXXX_1.pdf | MI | Investment | Refinance | Cash Out - Other | 7251111 | N/A | N/A | |||
| 305045957 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 16:10 | 2026-02-18 14:00 | Resolved | 1 - Information | Credit | Eligibility | Ineligible Property Type | Resolved-Property type is eligible. - Due Diligence Vendor-02/18/2026 Ready for Review-Received property detail report to indicate borrower owned property in XXXXX meeting ownership interest within the last 3 years. - Due Diligence Vendor-02/18/2026 Ready for Review-2/17 XX: Please see attached docs that verify the borrower owned a property prior to this transaction. - Due Diligence Vendor-02/17/2026 Open-Property type is ineligible due to First time home buyer. First time homebuyers are ineligible - Due Diligence Vendor-02/06/2026 |
Resolved-Property type is eligible. - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf |
MO | Investment | Purchase | NA | 7500297 | N/A | N/A | |||
| 305027469 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-28 10:10 | 2026-02-09 11:22 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Lender provided approved exception to use Business assets for reserves when ownership is 100%. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXX - Due Diligence Vendor-02/09/2026 Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXXXX Per XXXXXX overlay guidelines, Business assets cannot be used as reserves. The only assets in file are business assets. - Due Diligence Vendor-01/28/2026 |
Acknowledged-Lender provided approved exception to use Business assets for reserves when ownership is 100%. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXXX - Due Diligence Vendor-02/09/2026 |
IN | Investment | Purchase | NA | 7331721 | Investor Post-Close | No | ||||
| 305027469 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-28 10:11 | 2026-02-09 11:21 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Lender provided approved exception to use Business assets for reserves when ownership is 100%. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 Resolved-Audited Reserves of 35.5 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/09/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Per XXXX overlay guidelines, Business assets cannot be used as reserves. The only assets in file are business assets. - Due Diligence Vendor-01/28/2026 |
Acknowledged-Lender provided approved exception to use Business assets for reserves when ownership is 100%. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 Resolved-Audited Reserves of 35.5 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/09/2026 |
IN | Investment | Purchase | NA | 7331731 | Investor Post-Close | No | ||||
| 305030615 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 04:22 | 2026-01-30 04:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/30/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/30/2026 |
MI | Investment | Purchase | NA | 7366300 | Investor Post-Close | No | ||||
| 305031564 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 09:47 | 2026-01-30 08:59 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Satisfactory fraud report provided, condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX- see attached - Due Diligence Vendor-01/29/2026 Open-Missing Third Party Fraud Report Missing all pages of the Fraud Report. - Due Diligence Vendor-01/28/2026 |
Resolved-Satisfactory fraud report provided, condition resolved. - Due Diligence Vendor-01/30/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/30/2026 |
XXXXXX_1.pdf | MO | Investment | Purchase | NA | 7242012 | N/A | N/A | |||
| 305029538 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 08:41 | 2026-02-18 11:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing Entity Documents | Resolved-An operating agreement received for XXXXXX indicates borrower is 50% owner, a corporate resolution with member’s authorization to the borrower was also received. - Due Diligence Vendor-02/18/2026 Ready for Review-2/17 XX: See attached OA and Resolution - Due Diligence Vendor-02/17/2026 Open-Missing Entity Documents. Per lender guidelines, layered entities are allowed up to two tiers. XXXXXX is wholly owned by XXXXXX; however, the file is missing the operating agreement for XXXXXX needed to verify the borrowers’ ownership. A Corporate Resolution may also be required if XXXXXX has two or more members - Due Diligence Vendor-01/22/2026 |
Resolved-An operating agreement received for XXX indicates borrower is 50% owner, a corporate resolution with member’s authorization to the borrower was also received. - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf |
MI | Investment | Purchase | NA | 7240346 | N/A | N/A | |||
| 305029538 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 08:51 | 2026-01-29 08:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Audit has reviewed lenders rebuttal and concours, condition resolved. - Due Diligence Vendor-01/29/2026 Ready for Review-1/28 XX: This is accurate, there is only two items under article 4 just like article 5 and 6 also only list 2 items. - Due Diligence Vendor-01/28/2026 Open-The loan file is missing an operating agreement or other documentation to verify ownership. Complete operating agreement for XXX is missing. The file jumps from Section 4.2 to Section 5.1. - Due Diligence Vendor-01/22/2026 |
Resolved-Audit has reviewed lenders rebuttal and concours, condition resolved. - Due Diligence Vendor-01/29/2026 |
MI | Investment | Purchase | NA | 7240584 | N/A | N/A | ||||
| 305029230 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 12:55 | 2026-02-18 10:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Twelve month pay histories provided was provided for REO properties 3a, 3b, 3c, 3d,and 3e, REO 3h is owned by LLC. - Due Diligence Vendor-02/18/2026 Ready for Review-02/04/26 - XX: Please see the attached pay histories for each property. The mortgage on XXXXXX is held in the name of XXXXXX. The borrower is not personally obligated to any debts associated with this property. - Due Diligence Vendor-02/04/2026 Open-1003 application indicates REO properties 3a, 3b, 3c, 3d, 3e, 3h with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO properties 3a, 3b, 3c, 3d, 3e, 3h with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-01/22/2026 |
Resolved-Twelve month pay histories provided was provided for REO properties 3a, 3b, 3c, 3d,and 3e, REO 3h is owned by LLC. - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf XXXXXX_4.pdf XXXXXX_5.pdf XXXXXX_6.pdf |
PA | Investment | Purchase | NA | 7251050 | N/A | N/A | |||
| 305045956 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-24 19:58 | 2026-03-03 12:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received Final CD for purchase of REO property 3c, finding resolved. - Due Diligence Vendor-03/03/2026 Ready for Review-3/2 XXX: Please see the attached final CD for the property at XXXXXX. - Due Diligence Vendor-03/02/2026 Open-1003 application indicate REO property #3c (XXXXXX) with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO #3c with a new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-02/25/2026 |
Resolved-Received Final CD for purchase of REO property 3c, finding resolved. - Due Diligence Vendor-03/03/2026 |
XXXXXX_1.pdf | MO | Investment | Purchase | NA | 7789770 | N/A | N/A | |||
| 305030613 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-24 16:45 | 2026-02-24 16:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026 | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026 |
GA | Investment | Purchase | NA | 7787933 | Investor Post-Close | No | ||||
| 305034602 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 05:09 | 2026-03-31 15:35 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Loan file contains 2 full appraisals, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/26/2026 Ready for Review-2/25 XXX: The 2nd appraisal is the secondary valuation. Only 1 appraisal was required for the loan product, so the 2nd appraisal was provided for securitization purposes. - Due Diligence Vendor-02/25/2026 Counter-Although two appraisals were performed a secondary valuation is required for loan securitization. - Due Diligence Vendor-02/18/2026 Ready for Review-2/17 XXX: Please note that 2 separate appraisals were obtained for this transaction to be used as the first and second valuations. Please see the attached appraisal documentation. - Due Diligence Vendor-02/17/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary Valuation missing - Due Diligence Vendor-02/06/2026 |
Resolved-Loan file contains 2 full appraisals, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/26/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_3.pdf |
NC | Investment | Refinance | Cash Out - Other | 7484064 | N/A | N/A | |||
| 305034602 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-26 16:58 | 2026-03-31 15:35 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-Loan file contains 2 full appraisals, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/03/2026 Ready for Review-CDA - Due Diligence Vendor-03/02/2026 Counter-Although the loan file contains 2 appraisals, a review appraisal is required for securitization. - Due Diligence Vendor-02/26/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/26/2026 |
Resolved-Loan file contains 2 full appraisals, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/03/2026 |
XXXXXX_1.pdf | NC | Investment | Refinance | Cash Out - Other | 7833290 | N/A | N/A | |||
| 305031303 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 13:27 | 2026-02-17 14:54 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided proof of XXXXXX required for closing, borrower took out a loan out on his property of XXXXXX, which he received proceeds for closing. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/17/2026 Open-. - Due Diligence Vendor-02/12/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Verified assets are not sufficient for cash to close. - Due Diligence Vendor-01/30/2026 |
Resolved-Lender provided proof of XXXXXXX required for closing, borrower took out a loan out on his property of XXXXXXX, which he received proceeds for closing. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/17/2026 |
TN | Primary Residence | Purchase | NA | 7380829 | N/A | N/A | ||||
| 305031303 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 12:50 | 2026-02-17 14:53 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Lender provided proof of XXXXXX required for closing, borrower took out a loan out on his property of XXXXXX, which he received proceeds for closing. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-02/17/2026 Ready for Review-2/16 XX: Please see attached CD & Loan document showing that the borrowers received XXXXXX back and those funds were used for closing. - Due Diligence Vendor-02/16/2026 Counter-The Final CD shows EM in the amount of $XXXXXX. This was from 2 separate deposits of $XXXXXX and $XXXXXX. The $XXXXXX is verified as clearing the borrowers account XX/XX/XXXX. $XXXXXX is not verified. - Due Diligence Vendor-02/12/2026 Ready for Review-2/10 XX: The CD confirms that the cash to close amount is $XXXXXX. The XXX account has $XXXXXX. This account has more than enough funds to cover closing costs. Can you confirm where you are seeing an unverified deposit of $XXXXXX? If we just use the regions account no retirement will have to be used for closing. - Due Diligence Vendor-02/10/2026 Counter-The $XXXXXX balance was already included in the verified assets ($XXXXXX (XXXXXX) + $XXXXXX (XXXXXX) = $XXXXXX. Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $XXXXXX less cash to close of $XXXXXX and less unverified additional deposit of $XXXXXX results in $XXXXXX shortage of funds to close. NOTE: Verified assets include a 401k account. If retirement funds were used, need proof of liquidation, since balance is not more than 20% than required cash to close. - Due Diligence Vendor-02/08/2026 Ready for Review-2/6 XX: Please see attached asset statement from XXXXXX account ending in XXXXXX with a balance of $XXXXXX which covers the cash to close amount so the retirement fund account would not need to be liquidated. - Due Diligence Vendor-02/06/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $XXXXXX less cash to close of $XXXXXX and less unverified additional deposit of $XXXXXX results in $XXXXXX shortage of funds to close. NOTE: Verified assets include a 401k account. If retirement funds were used, need proof of liquidation, since balance is not more than 20% than required cash to close. - Due Diligence Vendor-01/30/2026 |
Resolved-Lender provided proof of XXXXXXX required for closing, borrower took out a loan out on his property of XXXXXXX, which he received proceeds for closing. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-02/17/2026 |
XXXXXX_1.pdf XXXXXX_1.pdf XXXXXX_2.pdf XXXXXX_1.pdf XXXXXX_2.pdf |
TN | Primary Residence | Purchase | NA | 7380109 | N/A | N/A | |||
| 305031303 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 13:06 | 2026-01-30 13:06 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/30/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/30/2026 |
TN | Primary Residence | Purchase | NA | 7380383 | Investor Post-Close | No | ||||
| 305036557 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 06:30 | 2026-02-18 06:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-CD and note received and cleared for additional REO. Condition cleared. - Due Diligence Vendor-02/18/2026 Ready for Review-02/13/26 - XX: Please see attached. - Due Diligence Vendor-02/13/2026 Open-1003 application indicates REO property #3b with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO property #3b with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-02/04/2026 |
Resolved-CD and note received and cleared for additional REO. Condition cleared. - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf |
MO | Investment | Purchase | NA | 7433104 | N/A | N/A | |||
| 305035580 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 13:11 | 2026-02-18 18:27 | Resolved | 1 - Information | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Flood Insurance Expiration Date of XX/XX/XXXX is equal to or after the Note Date of XX/XX/XXXX Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-02/19/2026 Ready for Review-Master insurance policy provided indicates flood policy with policy period of XX/XX/XXXX thru XX/XX/XXXX . - Due Diligence Vendor-02/19/2026 Ready for Review-2/18 XXX: Please see the attached master insurance policy documentation with the confirmation of the flood insurance renewal on page 2. - Due Diligence Vendor-02/18/2026 Open-Flood Insurance Expiration Date of XX/XX/XXXX is prior to the Note Date of XX/XX/XXXX - Due Diligence Vendor-02/06/2026 |
Resolved-Flood Insurance Expiration Date of XX/XX/XXXX is equal to or after the Note Date of XX/XX/XXXX Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-02/19/2026 |
XXXXXX_1.pdf | FL | Investment | Purchase | NA | 7495850 | N/A | N/A | |||
| 305036555 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-26 12:56 | 2026-03-03 16:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Documentation provided contains borrower's percentage of ownership, finding resolved. - Due Diligence Vendor-03/03/2026 Ready for Review-3/3 XX: Please see attached operating agreement. Per the XXX guidelines, the name of listed entity matches the articles of organization, the borrower is a 25% owner of the business (Listed on page 6 of the operating agreement), and the borrower is authorized to sign on behalf of the business. Please also note that page 6 states that "Members with 10% or more ownership units have full signing and decision making authority" which gives the borrower authorized to purchase the property. - Due Diligence Vendor-03/03/2026 Open-The loan file is missing an operating agreement or other documentation to verify ownership. All pages of the Operating Agreement for XXX is missing. A cooperative resolution if required is also missing. - Due Diligence Vendor-02/26/2026 |
Resolved-Documentation provided contains borrower's percentage of ownership, finding resolved. - Due Diligence Vendor-03/03/2026 |
XXXXXX_1.pdf | MO | Investment | Purchase | NA | 7827897 | N/A | N/A | |||
| 305046103 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-25 09:33 | 2026-03-27 14:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/03/2026 Ready for Review-3/2 XX: Please see attached. The secretary of state confirmed the business was currently in full force and effect, which XXX believes meets the spirit of the guideline for business in good standing. - Due Diligence Vendor-03/02/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/25/2026 |
Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-03/03/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/03/2026 |
XXXXXX_1.pdf | OH | Investment | Purchase | NA | 7799821 | N/A | N/A | |||
| 305039589 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 08:25 | 2026-02-25 14:50 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Master Insurance Policy | Resolved-Condo questionnaire reflects no master umbrella, finding resolved. - Due Diligence Vendor-02/25/2026 Ready for Review-2/19 XX: Please see attached questionnaire from the HOA that confirms on number 11 that there is no master umbrella. - Due Diligence Vendor-02/19/2026 Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-02/12/2026 |
Resolved-Condo questionnaire reflects no master umbrella, finding resolved. - Due Diligence Vendor-02/25/2026 |
XXXXXX_1.pdf | IL | Investment | Refinance | Cash Out - Other | 7581803 | N/A | N/A | |||
| 305042079 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-25 13:41 | 2026-03-04 11:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Document provided confirms borrower is 100% owner, finding resolved. - Due Diligence Vendor-03/04/2026 Ready for Review-3/4 XX: Please see attached executed change LLC borrowing certificate that confirms XXXXXXXXX is a single member XXX and line item #6 confirms XXXXXXXXX is the single member owner. - Due Diligence Vendor-03/04/2026 Counter-A Certification Regarding Beneficial Owners of Legal Entity Customers was provided. Documentation contained in the loan file confirms borrower is sole owner. Lender's Guidelines require an Operating Agreement for sole proprietorships, finding remains. - Due Diligence Vendor-03/03/2026 Ready for Review-3/2 XX: Please see attached signed Certificate of business owners confirming the borrower is a sole owner. - Due Diligence Vendor-03/02/2026 Open-The loan file is missing an operating agreement or other documentation to verify ownership. An Operating Agreement for XXXXXXXXX is missing. A cooperative resolution if required is also missing. - Due Diligence Vendor-02/25/2026 |
Resolved-Document provided confirms borrower is 100% owner, finding resolved. - Due Diligence Vendor-03/04/2026 |
XXXXXX_1.pdf XXXXXX_1.pdf |
TN | Investment | Purchase | NA | 7807649 | N/A | N/A | |||
| 305044775 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-26 08:52 | 2026-03-04 08:47 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received mortgage statements confirming the XX/XXXX and XX/XXXX payments paid on time, finding resolved. - Due Diligence Vendor-03/04/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 Ready for Review-3/3 XX: Please see attached Oct & Nov mortgage statement - Due Diligence Vendor-03/03/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lender guidelines a 12-month mortgage payments history reporting current through the application date. Despite this requirement, the credit repost reflects last paid XX/XXXX and evidence of payment for the XXXXXXXXX and XXXXXXXXX payment on time was not provided. - Due Diligence Vendor-02/26/2026 |
Resolved-Received mortgage statements confirming the XX/XXXX and XX/XXXX payments paid on time, finding resolved. - Due Diligence Vendor-03/04/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf |
OH | Investment | Refinance | Cash Out - Other | 7821614 | N/A | N/A | |||
| 305051353 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-19 15:44 | 2026-03-27 13:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of good standing received, finding resolved. - Due Diligence Vendor-03/04/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/04/2026 Ready for Review-03/04/26 - XX: Please see attached. - Due Diligence Vendor-03/04/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/19/2026 |
Resolved-Evidence of good standing received, finding resolved. - Due Diligence Vendor-03/04/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/04/2026 |
XXXXXX_1.pdf | TX | Investment | Refinance | Cash Out - Other | 7708007 | N/A | N/A | |||
| 305025017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-18 09:45 | 2026-01-02 14:55 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.33 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/02/2026 Ready for Review-Attached. - Due Diligence Vendor-01/02/2026 Open-Audited Reserves of 2.09 month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of 2.09 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/18/2025 |
Resolved-Audited Reserves of 3.33 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/02/2026 |
XXXXXX_1.pdf | LA | Investment | Refinance | Cash Out - Other | 6683394 | N/A | N/A | |||
| 305025017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-18 09:35 | 2026-01-02 14:51 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXXXXX- Due Diligence Vendor-01/02/2026 Ready for Review-Attached. - Due Diligence Vendor-01/02/2026 Open-Total Qualified Assets for Reserves Post-Close of $XXXXXXXXX is less than Total Required Reserve Amount of $XXXXXXXXX Total Qualified Assets for Reserves Post-Close of $XXXXXXXXX is less than Total Required Reserve Amount of $XXXXXXXXX - Due Diligence Vendor-12/18/2025 |
Resolved-Total Qualified Assets for Reserves Post-Close of $8463.81 is equal to or greater than Total Required Reserve Amount of $7625.34 - Due Diligence Vendor-01/02/2026 |
XXXXXX_1.pdf | LA | Investment | Refinance | Cash Out - Other | 6683213 | N/A | N/A | |||
| 305025017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-18 08:37 | 2026-01-02 14:26 | Resolved | 1 - Information | Credit | Missing Doc | The Final 1003 is Missing | Resolved-DSCR Loan Application provided, condition resolved. - Due Diligence Vendor-01/02/2026 Ready for Review-Attached. - Due Diligence Vendor-12/29/2025 Open-The Final 1003 is Missing - Due Diligence Vendor-12/18/2025 |
Resolved-DSCR Loan Application provided, condition resolved. - Due Diligence Vendor-01/02/2026 |
XXXXXX_1.pdf | LA | Investment | Refinance | Cash Out - Other | 6681858 | N/A | N/A | |||
| 305027516 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 07:20 | 2026-01-05 09:46 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/05/2026 Ready for Review-Confirmed per 1003 application, member is a non-qualifying guarantor. Credit report is not required. - Due Diligence Vendor-01/05/2026 Ready for Review-Please note that XXXXXXXXX is a Non Qualifying Guarantor. CR not required. - Due Diligence Vendor-12/30/2025 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-12/19/2025 |
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/05/2026 |
XXXXXX_1.pdf | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 6702088 | N/A | N/A | |||
| 305027516 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 08:11 | 2026-01-02 18:03 | Resolved | 1 - Information | Credit | Missing Doc | The Final 1003 is Missing | Resolved-A final 1003 for the borrower was received. - Due Diligence Vendor-01/02/2026 Ready for Review-Attached. - Due Diligence Vendor-12/30/2025 Open-The Final 1003 is Missing - Due Diligence Vendor-12/19/2025 |
Resolved-A final 1003 for the borrower was received. - Due Diligence Vendor-01/02/2026 |
XXXXXX_1.pdf | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 6702896 | N/A | N/A | |||
| 305030506 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-08 08:24 | 2026-01-09 15:35 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-LLC document showing Borrower as sole member received. Ok to use business assets, condition cleared. - Due Diligence Vendor-01/09/2026 Ready for Review-Attached. - Due Diligence Vendor-01/09/2026 Open-Evidence of ownership for asset 1 and asset 2 listed in a business is missing from the loan file. - Due Diligence Vendor-01/08/2026 |
Resolved-LLC document showing Borrower as sole member received. Ok to use business assets, condition cleared. - Due Diligence Vendor-01/09/2026 |
XXXXXX_1.pdf | AL | Investment | Purchase | NA | 6980522 | N/A | N/A | |||
| 305030505 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-11 00:35 | 2026-01-21 13:29 | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-A certified HUD-1/Settlement Statement for the subject property was received. - Due Diligence Vendor-01/21/2026 Ready for Review-Attached. - Due Diligence Vendor-01/15/2026 Open-The final HUD/Settlement Statement is missing. Audit could only locate the Estimated Settlement Statement. - Due Diligence Vendor-01/11/2026 |
Resolved-A certified HUD-1/Settlement Statement for the subject property was received. - Due Diligence Vendor-01/21/2026 |
XXXXXX_1.pdf | CA | Investment | Purchase | NA | 7025071 | N/A | N/A | |||
| 305027846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 07:02 | 2026-01-26 12:09 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received verification the doc was sent XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-01/26/2026 Ready for Review-see attached - Due Diligence Vendor-01/26/2026 Open-. - Due Diligence Vendor-01/22/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Resolved-Received verification the doc was sent XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-01/26/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 |
XXXXXX_1.pdf XXXXXX_2.pdf |
MA | Primary Residence | Purchase | NA | 7176447 | N/A | N/A | |||
| 305027846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 07:02 | 2026-01-22 17:20 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received the Initial LE. Condition cleared. - Due Diligence Vendor-01/22/2026 Resolved- - Due Diligence Vendor-01/22/2026 Ready for Review-see attached - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Resolved-Received the Initial LE. Condition cleared. - Due Diligence Vendor-01/22/2026 Resolved- - Due Diligence Vendor-01/22/2026 |
XXXXXX_1.pdf | MA | Primary Residence | Purchase | NA | 7176448 | N/A | N/A | |||
| 305027846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 16:21 | 2026-01-20 16:21 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | RESPA: Toolkit Not Provided Timely | Acknowledged-RESPA: Toolkit Date XX/XX/XXXX is not within three business days of Application Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 | Acknowledged-RESPA: Toolkit Date XX/XX/XXXX is not within three business days of Application Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 |
MA | Primary Residence | Purchase | NA | 7189908 | Investor Post-Close | No | ||||
| 305027846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 06:34 | 2026-01-20 16:12 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 |
MA | Primary Residence | Purchase | NA | 7175639 | Investor Post-Close | No | ||||
| 305027846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 06:34 | 2026-01-20 06:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/20/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/20/2026 |
MA | Primary Residence | Purchase | NA | 7175638 | Investor Post-Close | No | ||||
| 305013668 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-31 09:11 | 2026-01-21 10:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing purchase contract - addendums | Resolved-Document received. Condition cleared. - Due Diligence Vendor-01/21/2026 Ready for Review-addendum - Due Diligence Vendor-01/15/2026 Open-All addendums to the purchase contract were not provided an addendum to the purchase contract extending the closing date is missing. - Due Diligence Vendor-12/31/2025 |
Resolved-Document received. Condition cleared. - Due Diligence Vendor-01/21/2026 |
XXXXXX_1.pdf | WA | Investment | Purchase | NA | 6871759 | N/A | N/A | |||
| 305029947 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 18:03 | 2026-01-30 18:03 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/31/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/31/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7384498 | Investor Post-Close | No | ||||
| 305029905 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 07:05 | 2026-02-16 12:54 | Resolved | 1 - Information | Credit | Missing Doc | Rate Lock Agreement is Missing and/or Application Date Utilized for Testing | Resolved-Rate lock agreement received. Condition cleared. - Due Diligence Vendor-02/16/2026 Ready for Review-Please see attached XX/XX/XXXX lock confirmation - Due Diligence Vendor-02/04/2026 Open-Missing evidence of original lock date. Compliance testing will need to be reviewed once received. Missing evidence of original lock date. - Due Diligence Vendor-02/02/2026 |
Resolved-Rate lock agreement received. Condition cleared. - Due Diligence Vendor-02/16/2026 |
XXXXXX_1.pdf | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7394449 | N/A | N/A | |||
| 305029903 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 14:39 | 2026-02-18 14:40 | Resolved | 1 - Information | Credit | Title | Property Title Issue | Resolved-Warranty Deed received, finding resolved - Due Diligence Vendor-02/18/2026 Resolved-Property Title Issue Resolved - Due Diligence Vendor-02/18/2026 Ready for Review-Please see attached Warranty Deed - Due Diligence Vendor-02/12/2026 Open-Property Title Issue Warranty deed for the subject property from XXX to current business entity on the Note is missing. - Due Diligence Vendor-02/05/2026 |
Resolved-Warranty Deed received, finding resolved - Due Diligence Vendor-02/18/2026 Resolved-Property Title Issue Resolved - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7475884 | N/A | N/A | |||
| 305029903 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 15:05 | 2026-02-18 14:37 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Mortgage payment history received, finding resolved. - Due Diligence Vendor-02/18/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/18/2026 Ready for Review-Please see attached - Due Diligence Vendor-02/12/2026 Open-A verification of mortgage for the subject property is missing. - Due Diligence Vendor-02/05/2026 |
Resolved-Mortgage payment history received, finding resolved. - Due Diligence Vendor-02/18/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/18/2026 |
XXXXXX_1.pdf | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7476286 | N/A | N/A | |||
| 305042218 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-27 13:00 | 2026-02-27 13:00 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/27/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/27/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7849431 | Investor Post-Close | No | ||||
| 305028993 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 16:55 | 2026-02-24 16:51 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Loan file contains sufficient asset documentation for reserves, finding resolved. - Due Diligence Vendor-02/24/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXXX - Due Diligence Vendor-02/24/2026 Ready for Review-See Attached bank statements, we have sufficient funds for reserves. please clear. - Due Diligence Vendor-02/20/2026 Open-Total Qualified Assets for Reserves Post-Close of $XXXXXXX is less than Total Required Reserve Amount of $XXXXXXX - Due Diligence Vendor-02/09/2026 |
Resolved-Loan file contains sufficient asset documentation for reserves, finding resolved. - Due Diligence Vendor-02/24/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXXX - Due Diligence Vendor-02/24/2026 |
XXXXXX_1.pdf | OH | Investment | Refinance | Cash Out - Other | 7525705 | N/A | N/A | |||
| 305028993 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-03 07:18 | 2026-02-24 16:35 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-02/24/2026 Ready for Review-Management approval to waive 5% LTV haircut applicable due to the 676 FICO score. See Attached. please clear. Thank you - Due Diligence Vendor-02/20/2026 Open-Audited FICO of 676 is less than Guideline FICO of 680. Lender provided exception; however, the exception appears to still be pending approval and no comp factors were provided. - Due Diligence Vendor-02/03/2026 |
Waived-Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-02/24/2026 |
XXXXXX_1.pdf | OH | Investment | Refinance | Cash Out - Other | 7413540 | Originator Pre-Close | Yes | |||
| 305028993 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 17:13 | 2026-02-24 16:30 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-Scope of work and proof of rent listing provided, finding resolved. - Due Diligence Vendor-02/24/2026 Ready for Review-Recent purchase and rehab. Documents showing property listing. constructive accepted. Please clear - Due Diligence Vendor-02/20/2026 Open-Ineligible transaction due to lender's guidelines requires a SFR to be leased at the time of closing for refinance transactions with evidence the property has been leased. Despite this requirement, the subject property is vacant. - Due Diligence Vendor-02/09/2026 |
Resolved-Scope of work and proof of rent listing provided, finding resolved. - Due Diligence Vendor-02/24/2026 |
XXXXXX_1.pdf | OH | Investment | Refinance | Cash Out - Other | 7525907 | N/A | N/A | |||
| 305039442 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 13:26 | 2026-03-30 19:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing not required due to entity formed within prior 6 months. Finding resolved - Due Diligence Vendor-02/17/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/17/2026 Ready for Review-COGS not required for entities formed in the last 6 months. Please cancel or clear this item. Thank you. - Due Diligence Vendor-02/16/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/02/2026 |
Resolved-Evidence of Good Standing not required due to entity formed within prior 6 months. Finding resolved - Due Diligence Vendor-02/17/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/17/2026 |
PA | Investment | Refinance | Cash Out - Other | 7403916 | N/A | N/A | ||||
| 305039434 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 13:01 | 2026-03-30 19:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing not required for an entity formed within the prior 6 months. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/17/2026 Ready for Review-COGS not required for entities formed in the last 6 months. Please cancel or clear this item. Thank you. - Due Diligence Vendor-02/16/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/02/2026 |
Resolved-Evidence of Good Standing not required for an entity formed within the prior 6 months. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/17/2026 |
OH | Investment | Purchase | NA | 7403365 | N/A | N/A | ||||
| 305039434 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 11:33 | 2026-02-17 08:37 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Guidelines only require a verification of mortgage for mortgages not appearing on the credit report at lender's discretion. Loan meets guideline requirements, finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/17/2026 Ready for Review-This is not a guideline requirement. Borrower is experienced investor with prior mortgage history on credit and additional investment property loans closed with lender. Please clear or cancel. Thank you. - Due Diligence Vendor-02/16/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Primary Housing history Missing. - Due Diligence Vendor-02/02/2026 |
Resolved-Guidelines only require a verification of mortgage for mortgages not appearing on the credit report at lender's discretion. Loan meets guideline requirements, finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/17/2026 |
OH | Investment | Purchase | NA | 7401431 | N/A | N/A | ||||
| 305039431 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 13:32 | 2026-03-30 19:14 | Resolved | 1 - Information | Credit | Eligibility | Verified number of properties does not meet experience requirements | Resolved-Loan file contains evidence of additional properties owned; therefore, lender experience is confirmed. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Sufficinet evidence of experience provided. - Due Diligence Vendor-02/17/2026 Ready for Review-his is 1 of 4 additional investment properties being purchased by the borrower as an experienced investor/operator, prior loans closed with lender. Please clear. Thank you, - Due Diligence Vendor-02/17/2026 Open-Loan file only contains evidence of experience for 1 properties which is below the guideline minimum. Loan file does not contain evidence of experience as required by guides. - Due Diligence Vendor-02/05/2026 |
Resolved-Loan file contains evidence of additional properties owned; therefore, lender experience is confirmed. Finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Sufficinet evidence of experience provided. - Due Diligence Vendor-02/17/2026 |
NJ | Investment | Purchase | NA | 7474544 | N/A | N/A | ||||
| 305039429 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 09:02 | 2026-02-17 11:14 | Resolved | 1 - Information | Credit | Eligibility | Verified number of properties does not meet experience requirements | Resolved-Loan file contains evidence of 3 additional properties owned; therefore, lender experience is sufficient. Finding resolved - Due Diligence Vendor-02/17/2026 Resolved-Sufficinet evidence of experience provided. - Due Diligence Vendor-02/17/2026 Ready for Review-This is 1 of 4 additional investment properties being purchased by the borrower as an experienced investor/operator, prior loans closed with lender. Please clear. Thank you, - Due Diligence Vendor-02/17/2026 Open-Loan file only contains evidence of experience for 0 properties which is below the guideline minimum. Loan file contains no evidence of experience as required by guides. - Due Diligence Vendor-02/06/2026 |
Resolved-Loan file contains evidence of 3 additional properties owned; therefore, lender experience is sufficient. Finding resolved - Due Diligence Vendor-02/17/2026 Resolved-Sufficinet evidence of experience provided. - Due Diligence Vendor-02/17/2026 |
NJ | Investment | Purchase | NA | 7488294 | N/A | N/A | ||||
| 305039407 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 13:13 | 2026-02-17 08:52 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lender's guidelines only require a verification of mortgage for mortgage loans not appearing on credit report at lender's discretion. Loan meets guidelines, finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/17/2026 Ready for Review-This is not a guideline requirement. Please clear or cancel. Thank you. - Due Diligence Vendor-02/16/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Subject Property History missing, as per guidelines 12 months of history required. - Due Diligence Vendor-02/02/2026 |
Resolved-Lender's guidelines only require a verification of mortgage for mortgage loans not appearing on credit report at lender's discretion. Loan meets guidelines, finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/17/2026 |
OH | Investment | Refinance | Cash Out - Other | 7403588 | N/A | N/A | ||||
| 305039398 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-03 05:18 | 2026-02-17 09:37 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Lender's guidelines require a verification of mortgage for mortgage loans not appearing on credit report at lender's discretion. Loan meets guides, finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/17/2026 Ready for Review-This is not a guideline requirement. Borrower is experienced investor with prior mortgage history on credit and additional investment property loans closed with lender. Please clear or cancel. Thank you. - Due Diligence Vendor-02/16/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for the subject property and primary residence if applicable. - Due Diligence Vendor-02/05/2026 |
Resolved-Lender's guidelines require a verification of mortgage for mortgage loans not appearing on credit report at lender's discretion. Loan meets guides, finding resolved. - Due Diligence Vendor-02/17/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/17/2026 |
OH | Investment | Refinance | Cash Out - Other | 7411874 | N/A | N/A | ||||
| 305026590 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-29 13:48 | 2026-01-08 07:34 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Not Signed or Stamped Certified | Resolved-Final settlement statement received and cleared. - Due Diligence Vendor-01/08/2026 Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-01/08/2026 Ready for Review-Attached. - Due Diligence Vendor-01/07/2026 Open-Missing Final HUD-1: HUD in file Not Signed or Stamped Certified. - Due Diligence Vendor-12/30/2025 |
Resolved-Final settlement statement received and cleared. - Due Diligence Vendor-01/08/2026 Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-01/08/2026 |
XXXXXX_1.pdf | FL | Investment | Refinance | Cash Out - Other | 6839070 | N/A | N/A | |||
| 305026590 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-03 16:38 | 2026-01-06 13:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business purpose loan agreement received and cleared. - Due Diligence Vendor-01/06/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/06/2026 Ready for Review-Attached. - Due Diligence Vendor-01/06/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. A signed Business Purpose Affidavit is missing. - Due Diligence Vendor-01/03/2026 |
Resolved-Business purpose loan agreement received and cleared. - Due Diligence Vendor-01/06/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/06/2026 |
XXXXXX_1.pdf | FL | Investment | Refinance | Cash Out - Other | 6906615 | N/A | N/A | |||
| 305026590 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-03 17:44 | 2026-01-06 13:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing Guaranty Agreement | Resolved-Signed Guaranty Agreement received and cleared. - Due Diligence Vendor-01/06/2026 Ready for Review-Attached. - Due Diligence Vendor-01/06/2026 Open-Missing Guaranty Agreement A signed Guaranty Agreement is missing. - Due Diligence Vendor-01/03/2026 |
Resolved-Signed Guaranty Agreement received and cleared. - Due Diligence Vendor-01/06/2026 |
XXXXXX_1.pdf | FL | Investment | Refinance | Cash Out - Other | 6906678 | N/A | N/A | |||
| 305013553 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-22 13:36 | 2026-01-06 05:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business purpose agreement received and cleared - Due Diligence Vendor-01/06/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/06/2026 Ready for Review-business purpose - Due Diligence Vendor-01/05/2026 Counter-Document was inadvertently deleted; can you please upload again. We apologize for the inconvenience. - Due Diligence Vendor-01/02/2026 Ready for Review-Business Purpose - Due Diligence Vendor-12/26/2025 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-12/22/2025 |
Resolved-Business purpose agreement received and cleared - Due Diligence Vendor-01/06/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/06/2026 |
XXXXXX_1.pdf | IN | Investment | Purchase | NA | 6743738 | N/A | N/A | |||
| 305013553 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-22 14:31 | 2026-01-02 14:14 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Audit has reviewed the property appraiser's website and confirms property appears in the name of another party - possible family member with same last name. No lender appearing on fraud report nor an active MERS reporting. Fraud report also reflects this property as a prior mailing address in 2003, no further documentation required, condition resolved. - Due Diligence Vendor-01/02/2026 Ready for Review-property is free and clear - no mortgage obtained, no mers reporting - Due Diligence Vendor-12/29/2025 Open-Verification of mortgage is missing for Property purchased on XX/XX/XXXX per the fraud report. If property is owned free and clear, evidence of free and clear is missing. - Due Diligence Vendor-12/22/2025 |
Resolved-Audit has reviewed the property appraiser's website and confirms property appears in the name of another party - possible family member with same last name. No lender appearing on fraud report nor an active MERS reporting. Fraud report also reflects this property as a prior mailing address in 2003, no further documentation required, condition resolved. - Due Diligence Vendor-01/02/2026 |
IN | Investment | Purchase | NA | 6745211 | N/A | N/A |