EXHIBIT 99.7
Clarifii rating agency grades detail report
| Redaction ID | Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 985834 | XXXX | XXXX | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE9996 | 2026-04-06 14:28 | 2026-04-06 14:32 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator waiver applied to non-material finding with compensating factors - Due Diligence Vendor-04/06/2026 Open-Investor Concentration is greater than 50%. - Due Diligence Vendor-04/06/2026 |
Waived-Originator waiver applied to non-material finding with compensating factors - Due Diligence Vendor-04/06/2026 |
DSCR % greater than 1.20 - DSCR % greater than 1.20. Min is 0 Borrower has 1.352 Required is 0 Borrower has 1.352 LTV is less than guideline maximum - LTV is less than guideline maximum. LTV is 75 Borrower has 67.95 Required is 75 Borrower has 67.95 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 785 Required is 660 Borrower has 785 |
DSCR ratio is above 1.13%. Reserves from proceeds are greater than 12 months. | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 8507034 | ||
| 985834 | XXXX | XXXX | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE1441 | 2026-02-14 16:05 | 2026-04-06 14:10 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator exception applied to non-material finding with comp factors. - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. - Seller-03/02/2026 Counter-Screen shot reflecting a waiver was granted, however it does not reflect what the waive is for. Finding remains. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Exception listed on upper right-hand side. - Seller-02/26/2026 Counter-Please provide the exception approval. - Due Diligence Vendor-02/25/2026 Ready for Review-XXXX has provided a pricing exception for this issue in order to clear. - Seller-02/23/2026 Open-Delinquent Credit History Does Not Meet Guideline Requirements Civil Court Search Report provide reflects a tax lien filed XXXX to the XXXX County Tax Collector. Please provide proof this tax lien has been satisfied. - Due Diligence Vendor-02/14/2026 |
Ready for Review-Document Uploaded. - Seller-03/02/2026 Ready for Review-Document Uploaded. Exception listed on upper right-hand side. - Seller-02/26/2026 Ready for Review-XXXX has provided a pricing exception for this issue in order to clear. - Seller-02/23/2026 |
Waived-Originator exception applied to non-material finding with comp factors. - Due Diligence Vendor-03/03/2026 |
DSCR % greater than 1.20 - DSCR % greater than 1.20. Min is 0 Borrower has 1.352 Required is 0 Borrower has 1.352 LTV is less than guideline maximum - LTV is less than guideline maximum. LTV is 75 Borrower has 67.95 Required is 75 Borrower has 67.95 Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 785 Required is 660 Borrower has 785 |
FICO of 785, DSCR is 1.352, LTV 67.95%. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7623119 |
| 1004835 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| 1020550 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| 1021070 | XXXX | XXXX | XXXX | C | A | C | A | C | A | A | A | Closed | finding-3646 | 2026-03-03 12:12 | 2026-03-20 09:53 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved-PCCD provided, finding resolved. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Uploaded the Post Consummation CD - Seller-03/18/2026 Counter-Please provide signed copy of the final CD dated XXXX. PCCD can not be dated the same day as consummation. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. hello, the final CD was issued on XXXX and the borrower signed the morning of XXXX. we corrected the CD on XXXX when we received the updated gift amount. please clear the finding :) - Seller-03/06/2026 Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. -----Final Cd XXXX and PC Cd XXXX were both issued on the same day. Please provide updated PC Cd. - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. Uploaded the Post Consummation CD - Seller-03/18/2026 Ready for Review-Document Uploaded. hello, the final CD was issued on XXXX and the borrower signed the morning of XXXX. we corrected the CD on XXXX when we received the updated gift amount. please clear the finding :) - Seller-03/06/2026 |
Resolved-PCCD provided, finding resolved. - Due Diligence Vendor-03/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.13 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7898921 | |
| 1021070 | XXXX | XXXX | XXXX | C | A | C | A | C | A | A | A | Closed | finding-4001 | 2026-03-03 12:12 | 2026-03-20 09:53 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-PCCD provided, finding resolved. - Due Diligence Vendor-03/20/2026 Ready for Review-Received the final master settlement statement and generated a PCCD. Uploaded the post consummation CD. - Seller-03/18/2026 Counter-Please provide signed copy of the final CD dated XXXX. PCCD can not be dated the same day as consummation. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. please waive along with the other condition. the Final CD was issued XXXX- we corrected the CD on XXXX when the gift funds were received. - Seller-03/06/2026 Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. -----Final Cd XXXX and PC Cd XXXX were both issued on the same day. Please provide updated PC Cd. - Due Diligence Vendor-03/03/2026 |
Ready for Review-Received the final master settlement statement and generated a PCCD. Uploaded the post consummation CD. - Seller-03/18/2026 Ready for Review-Document Uploaded. please waive along with the other condition. the Final CD was issued XXXX- we corrected the CD on XXXX when the gift funds were received. - Seller-03/06/2026 |
Resolved-PCCD provided, finding resolved. - Due Diligence Vendor-03/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.13 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7898923 | |
| 1021070 | XXXX | XXXX | XXXX | C | A | C | A | C | A | A | A | Closed | FCRE1491 | 2026-03-04 08:36 | 2026-03-09 17:12 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received gift letter and title receipt of gift funds. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. - Seller-03/06/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Please provide evidence source of gift funds along with gift letter and proof of wire transfer in the amount of $129,854. Entry on line L06 of the Final CD reflects the gift amount under other credits. - Due Diligence Vendor-03/04/2026 |
Ready for Review-Document Uploaded. - Seller-03/06/2026 |
Resolved-Received gift letter and title receipt of gift funds. - Due Diligence Vendor-03/09/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.13 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7916308 | |
| 1021070 | XXXX | XXXX | XXXX | C | A | C | A | C | A | A | A | Closed | FCRE0197 | 2026-03-04 08:38 | 2026-03-09 16:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received seller settlement statement - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. - Seller-03/06/2026 Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-03/04/2026 |
Ready for Review-Document Uploaded. - Seller-03/06/2026 |
Resolved-Received seller settlement statement - Due Diligence Vendor-03/09/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.13 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7916347 | |
| 1025289 | XXXX | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | FCRE1506 | 2026-03-10 08:45 | 2026-03-25 10:46 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/20/2026 Ready for Review-Since the other asset condition was removed, is this condition not based on that other condition? Please waive this condition as well. - Seller-03/19/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. ALT DOC - ASSET UTILIZATION - Debt Ratio Calculation: Minimum Eligible Assets required is the lower of $1,000,000 or 150% of the loan balance ($XXX needed total qualifying assets are $140,273 does not meet requirements). Removal of this income will result in excessive DTI. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Since the other asset condition was removed, is this condition not based on that other condition? Please waive this condition as well. - Seller-03/19/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/20/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 55.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8016533 | ||
| 1025289 | XXXX | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | FCRE1437 | 2026-03-05 11:07 | 2026-03-16 14:36 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Located Asset Utilization dated XXXX- ASSET UTILIZATION Asset Utilization may be used as the sole source of income for loan qualification or to supplement other income sources. When used to supplement other income sources, the minimum asset requirements under the qualification method is waived. - Due Diligence Vendor-03/16/2026 Ready for Review-Per guidelines: "Asset Utilization may be used as the sole source of income for loan qualification or to supplement other income sources. When used to supplement other income sources, the minimum asset requirements under the qualification method is waived." - Seller-03/16/2026 Counter-Received request to waive finding per guideline 1.8.12. Review is unable to locate guideline referenced in XXXX Non-Agency dated XXXX guidelines. - Due Diligence Vendor-03/13/2026 Ready for Review-Per UW mgmt: minimum assets requirements is waived due to guideline 1.8.12. Please waive the condition. - Seller-03/11/2026 Open-Income and Employment Do Not Meet Guidelines ALT DOC - ASSET UTILIZATION - Debt Ratio Calculation: Minimum Eligible Assets required is the lower of $1,000,000 or 150% of the loan balance ($XXX needed total qualifying assets are $140,273 does not meet requirements) - Due Diligence Vendor-03/05/2026 |
Ready for Review-Per guidelines: "Asset Utilization may be used as the sole source of income for loan qualification or to supplement other income sources. When used to supplement other income sources, the minimum asset requirements under the qualification method is waived." - Seller-03/16/2026 Ready for Review-Per UW mgmt: minimum assets requirements is waived due to guideline 1.8.12. Please waive the condition. - Seller-03/11/2026 |
Resolved-Located Asset Utilization dated XXXX - ASSET UTILIZATION Asset Utilization may be used as the sole source of income for loan qualification or to supplement other income sources. When used to supplement other income sources, the minimum asset requirements under the qualification method is waived. - Due Diligence Vendor-03/16/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 55.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7944896 | ||
| 1025289 | XXXX | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | FCRE1152 | 2026-03-05 09:07 | 2026-03-13 15:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received clarification of re taxes considered. - Due Diligence Vendor-03/13/2026 Ready for Review-Copy of the tax bill printed from county was provided with the full file. Per UW: the tax impound is slightly overstated as the annual tax amount is XXXX for a monthly total of XXXX UW used worst-case amount indicated on the AVM. - Seller-03/12/2026 Counter-Please provide subject property tax cert - Due Diligence Vendor-03/11/2026 Ready for Review-Please see pg. 2 of the XXXX AVM, it lists the yearly tax amount for the subj. prop as XXXX- Seller-03/10/2026 Open-Missing Evidence of Property Tax Unable to find tax calculation worksheet or tax cert supporting lender tax calculation. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Copy of the tax bill printed from county was provided with the full file. Per UW: the tax impound is slightly overstated as the annual tax amount is XXXX for a monthly total of XXXX. UW used worst-case amount indicated on the AVM. - Seller-03/12/2026 Ready for Review-Please see pg. 2 of the XXXX AVM, it lists the yearly tax amount for the subj. prop as XXXX Seller-03/10/2026 |
Resolved-Received clarification of re taxes considered. - Due Diligence Vendor-03/13/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 55.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7941563 | ||
| 1025289 | XXXX | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | finding-3634 | 2026-03-04 09:45 | 2026-03-11 10:17 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.46.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/11/2026 Ready for Review-This fee was present on the initial LE as "MERS Fee" for $25 and was present on every subsequent LE and CD that was disclosed. Where are you seeing that this fee either dropped off and/or was added on? Please provide additional info or waive the condition. - Seller-03/10/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $25.41.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $24.95 (MERS Registration Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $24.95, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX - Due Diligence Vendor-03/04/2026 |
Ready for Review-This fee was present on the initial LE as "MERS Fee" for $25 and was present on every subsequent LE and CD that was disclosed. Where are you seeing that this fee either dropped off and/or was added on? Please provide additional info or waive the condition. - Seller-03/10/2026 |
Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.46.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/11/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 55.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7917855 | ||
| 1025289 | XXXX | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | FCOM5814 | 2026-03-04 08:51 | 2026-03-11 10:08 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received signed final CD. Finding Resolved. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. - Seller-03/10/2026 Open------Final Cd is incomplete (missing page 1 of Cd). Please provide fully executed Final CD to include all pages. Additional findings may apply. - Due Diligence Vendor-03/04/2026 |
Ready for Review-Document Uploaded. - Seller-03/10/2026 |
Resolved-Received signed final CD. Finding Resolved. - Due Diligence Vendor-03/11/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 55.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7916570 | |
| 1025289 | XXXX | XXXX | XXXX | D | A | D | A | D | A | A | A | Closed | FCOM1233 | 2026-03-04 08:34 | 2026-03-11 10:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received copy of Final 1003. Finding Resolved. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. - Seller-03/10/2026 Open-The Final 1003 is Incomplete -----Final 1003 is incomplete (Missing pages) Section 5: Declarations page. Please provide fully executed Final 1003 (All page) - Due Diligence Vendor-03/04/2026 |
Ready for Review-Document Uploaded. - Seller-03/10/2026 |
Resolved-Received copy of Final 1003. Finding Resolved. - Due Diligence Vendor-03/11/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 55.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7916259 | |
| 1042928 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 1053450 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 1053871 | XXXX | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-03-23 16:30 | 2026-03-24 15:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review divider was 60 not 84 - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Per our 1008, this loan should be underwritten to XXXX guidelines... we have enclosed their guideline showing divided by 60 months - Seller-03/24/2026 Open-Audited DTI of 56.09% exceeds Guideline DTI of 50% DTI exceeds guideline limits-Lender took a 60 month average of assets instead of the 84 method for DTI asset utilization per 1008 and income worksheet. Audit also tried the non-DTI method at 60 months however this also failed. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. Per our 1008, this loan should be underwritten to XXXX guidelines... we have enclosed their guideline showing divided by 60 months - Seller-03/24/2026 |
Resolved-Upon further review divider was 60 not 84 - Due Diligence Vendor-03/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 792 exceeds 660 min required Required is 660 Borrower has 792 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.95 LTV is less than guideline maximum - 49.26 below 85 max allowed Required is 80 Borrower has 49.26 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8273967 | |
| 1053871 | XXXX | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1506 | 2026-03-24 09:01 | 2026-03-24 15:35 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review divider was 60 not 84 - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Per our 1008, this loan should be underwritten to XXXX guidelines... we have enclosed their guideline showing divided by 60 months - Seller-03/24/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds guideline limits-Lender took a 60 month average of assets instead of the 84 method for DTI asset utilization per 1008 and income worksheet. Audit also tried the non-DTI method at 60 months however this also failed. - Due Diligence Vendor-03/24/2026 |
Ready for Review-Document Uploaded. Per our 1008, this loan should be underwritten to XXXX guidelines... we have enclosed their guideline showing divided by 60 months - Seller-03/24/2026 |
Resolved-Upon further review divider was 60 not 84 - Due Diligence Vendor-03/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 792 exceeds 660 min required Required is 660 Borrower has 792 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.95 LTV is less than guideline maximum - 49.26 below 85 max allowed Required is 80 Borrower has 49.26 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8285551 | |
| 1065900 | XXXX | XXXX | XXXX | B | B | A | A | A | A | B | B | Closed | FPRO0022 | 2026-03-30 11:57 | 2026-03-31 10:12 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Public XXXX disaster after appraisal without a PDI or 1004D. XXXX Event-"XXXXX XXX XXXX" Public XXXX- Post disaster inspection completed XXXX No evidence of outstanding damage. - Due Diligence Vendor-03/30/2026 | Waived-Public XXXX disaster after appraisal without a PDI or 1004D. FEMA Event-"XXXX XXX (XXXX)" Public XXXX- Post disaster inspection completed XXXX. No evidence of outstanding damage. - Due Diligence Vendor-03/30/2026 |
Months Reserves exceed minimum required - 73 mths reserves; 6 mths required. |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 8386307 |