|
Client Name:
|
||||||
|
Client Project Name:
|
SEMT 2026-INV3
|
|||||
|
Start - End Dates:
|
4/5/2022 - 4/8/2026
|
|||||
|
Deal Loan Count:
|
194
|
|||||
|
Conditions Report 2.0
|
||||||
|
Loans in Report:
|
194
|
|||||
|
Loans with Conditions:
|
153
|
|||||
|
0 - Total Active Conditions
|
||||
|
410 - Total Satisfied Conditions
|
||||
|
71 - Credit Review Scope
|
||||
|
2 - Category: Ability to Repay/Qualified Mortgage
|
||||
|
4 - Category: Assets
|
||||
|
9 - Category: Credit/Mtg History
|
||||
|
16 - Category: DTI
|
||||
|
13 - Category: Income/Employment
|
||||
|
10 - Category: Insurance
|
||||
|
4 - Category: Legal Documents
|
||||
|
9 - Category: Terms/Guidelines
|
||||
|
4 - Category: Title
|
||||
|
294 - Property Valuations Review Scope
|
||||
|
263 - Category: Appraisal
|
||||
|
24 - Category: FEMA
|
||||
|
4 - Category: Property
|
||||
|
3 - Category: Value
|
||||
|
45 - Compliance Review Scope
|
||||
|
3 - Category: Ability to Repay/Qualified Mortgage
|
||||
|
2 - Category: Compliance Manual
|
||||
|
1 - Category: Documentation
|
||||
|
2 - Category: Finance Charge Tolerance
|
||||
|
1 - Category: Repayment Ability
|
||||
|
2 - Category: RESPA
|
||||
|
34 - Category: TILA/RESPA Integrated Disclosure
|
||||
|
49 - Total Waived Conditions
|
||||
|
20 - Credit Review Scope
|
||||
|
1 - Category: Assets
|
||||
|
5 - Category: Credit/Mtg History
|
||||
|
1 - Category: DTI
|
||||
|
6 - Category: Income/Employment
|
||||
|
4 - Category: Insurance
|
||||
|
3 - Category: Terms/Guidelines
|
||||
|
26 - Property Valuations Review Scope
|
||||
|
24 - Category: Appraisal
|
||||
|
2 - Category: FEMA
|
||||
|
3 - Compliance Review Scope
|
||||
|
3 - Category: TILA/RESPA Integrated Disclosure
|
||||
|
©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which
it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
|
||||
|
Client Name:
|
||||
|
Client Project Name:
|
SEMT 2026-INV3
|
|||
|
Start - End Dates:
|
4/5/2022 - 4/8/2026
|
|||
|
Deal Loan Count:
|
194
|
|||
|
Conditions Report 2.0
|
||||
|
Loans in Report:
|
194
|
|||
|
Loans with Conditions:
|
153
|
|||
|
Loan Number
|
Original Principal Balance
|
State
|
Initial Lender ATR/QM Status
|
Loan Level ATR/QM Status
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Condition Category
|
Condition Sub Category
|
Condition Status
|
Initial Securitization Condition Grade
|
Final Securitization Condition Grade
|
Initial S&P Condition Grade
|
Final S&P Condition Grade
|
Condition Code
|
Condition Description
|
Condition Material Indicator
|
Initial Comments
|
Client/Seller Response Comments
|
Conclusion Comments
|
TRID Error Type
|
Cure Method
|
Compensating Factors
|
|
409019810
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Reserves found in file is XXX with XXX#XXX $XXX. More reserves are needed.
|
4.7.2022 Client provided VOA dated XXX supporting total assets of $XXX; all assets per 1003 is verified with XXX months history VOA and per DU assets of $XXX to
be verified
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years on job.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co Borrower has XXX years on job.
|
|
409019810
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Evidence PITI is included in mortgage payment on rental property at XXX is missing from file.
|
4.7.2022 Client provided XXX MTG statement dated XXX(subject Note date XXX) with PITIA payment of $XXX for property: XXX. Condition remains for MTG statement
dated prior to closing verifying the PITIA payment of $XXX on 1003 4/12 Client requested a review upon review the Mortgage statement provided although post close supports PITIA of $XXX which is less than the qualifying amount $XXX for XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years on job.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co Borrower has XXX years on job.
|
|
409019810
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
VVOE is missing for Borrower.
|
4.7.2022 Client provided VVOE for B1 dated within XXX business days of Note date
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years on job.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co Borrower has XXX years on job.
|
|
409019810
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Complete copy of 19 -1040 is missing from file.
|
4.7.2022 Client provided complete 2019 1040 personal returns, returns have Schedule C loss for B1 however file is DU AUS approved.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years on job.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co Borrower has XXX years on job.
|
|
409019810
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
DU is missing from file. Reserves are unknown.
|
4.7.2022 Client provided DU AUS approval submission number #10
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years on job.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co Borrower has XXX years on job.
|
|
409037626
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Waived
|
C
|
B
|
C
|
B
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Initial CD XXX e-signed on XXX and Final CD XXX Confirmed receipt date XXX; Unable to test a loan product due to missing CD at least 3 business days prior to
closing.
|
03/02/26 Client provided a duplicate copy of the CD reflecting an Issue Date of XXX yet e-signed on XXX. Also, a post-review Email from the primary Borrower
(dated XXX) stating they attest that the subject property will be used XXX% for investment property purposes. Condition remains. Client requires a fully executed Business Purpose LOE or Affidavit to be in the file in order to test loan as
Business Use. As the original file did not contain either of these documents, review tested as Personal Use that includes TRID testing.03/06/26 Client provided an approved exception for the post-close Business Use LOE from Borrower (Email).
|
Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years XXX months at current residence.
|
|
409037626
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Waived
|
C
|
B
|
C
|
B
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD XXX e-signed on XXX and Final CD XXX Confirmed receipt date XXX; Missing CD at least 3 business days prior to closing and CD signed at closing.
|
03/02/26 Client provided a duplicate copy of the CD reflecting an Issue Date of XXX yet e-signed on XXX. Also, a post-review Email from the primary Borrower
(dated XXX) stating they attest that the subject property will be used XXX% for investment property purposes. Condition remains. Client requires a fully executed Business Purpose LOE or Affidavit to be in the file in order to test loan as
Business Use. As the original file did not contain either of these documents, review tested as Personal Use that includes TRID testing.03/06/26 Client provided an approved exception for the post-close Business Use LOE from Borrower (Email).
|
Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years XXX months at current residence.
|
|
409037626
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Waived
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
XXX% tolerance in the amount of $XXX as Recording Fees increased on CD XXX without a COC in file. Condition pending receiving a Change of Circumstances or Post
CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
03/02/26 Client provided a duplicate copy of the CD reflecting an Issue Date of XXX yet e-signed on XXX. Also, a post-review Email from the primary Borrower
(dated XXX) stating they attest that the subject property will be used XXX% for investment property purposes. Condition remains. Client requires a fully executed Business Purpose LOE or Affidavit to be in the file in order to test loan as
Business Use. As the original file did not contain either of these documents, review tested as Personal Use that includes TRID testing.03/06/26 Client provided an approved exception for the post-close Business Use LOE from Borrower (Email).
|
Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years XXX months at current residence.
|
|
409037626
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER3490
|
Missing Patriot Act form
|
No
|
Missing copy of the fully executed Patriot Act from for each borrower.
|
2.25.2026 Client provided executed copy of Patriot act however was completed and esigned by each borrower, appears to have been completed by borrower, 3rd party
(Closer, lender, settlement agent, etc) did not sign documentation as being completed by 3rd party. Condition remains 2/26 Client provided an approved exception to allow the file with the Patriot Borrower information form unsigned by third
party
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years XXX months at current residence.
|
|
409039035
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
File is missing full income documentation for each borrower supporting monthly income listed on application.
|
2.23.2026 Client provided copy of B2 end of year 2025/2024 paystubs along with B2 RSU income documents and 2025/2024 w2's for B2. Condition remains (a). missing
B1 income documentation and (b). missing executed 4506C for both borrowers and (c). B1 if employed missing VVOE for B1 and (d) B2 RSU income calculation, missing lender calculation worksheet using XXX day moving stock price and provide the
stock moving price being used for calculation. Both borrowers income still under review, file missing lots of documents. Condition remains for a - d requested documentation in this update. 2/24 Client provided executed 4506s for each Bwr;
Client provided XXX day moving avg, stock price and calculation for B2 RSU; still missing B1 income documents (income for B1 and B2 is not yet updated pending final 1003 to validate income used to qualify)2.25.2026 Client provided executed
Final 1003 for both borrowers with no income being used for B1; only B2 income is being used per 1008 and Final 1003 that was provided. B2 income documentation provided was 2025/2024 w2's and end of year 2024/2024 paystub and YTD XXX
paystub; base and bonus income is supported for B2; RSU income still under review on separate condition
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409039035
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
File is missing evidence of insurance for subject property.
|
2.23.2026 Client provided subject HOI policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409039035
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL225
|
Missing Rider
|
No
|
Missing Trust Rider page 1 (only page 2 was scanned and in file).
|
2.23.2026 Client provided executed copy of Trust Rider
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409039035
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER3490
|
Missing Patriot Act form
|
No
|
File is missing fully executed Patriot Act form for each borrower.
|
2.23.2026 Client provided executed Patriot Act for both borrowers
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409039035
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
D
|
B
|
D
|
B
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
File is missing AUS findings required per loan program.
|
2.23.2026 Client provided LP Approval Accept streamline however also (a). missing copy of lender 1008 (b). missing final 1003 for both borrowers and (c). LP
message XXX says total income for B1 is negative, says to please confirm the income amount and resubmit the loan, if applicable. File is missing the executed Final 1003 to determine if income is negative or positive for B1. Condition
remains for a - c requested documentation in this update for review of income and review of LP approval 2/24 client provided the 1008; Condition remains for corrected LP accept Action Item 17 must be cleared; (c). LP message XXX confirm the
income amount and resubmit the loan, if applicable. also File is still missing the executed Final 1003 (income has not been validated pending review of these documents) 2.25.2026 Client provided executed Final 1003 and provided the duplicate
(previously provided) LP submission #3 however correction of B1 income showing negative need correction, per LP B1 income is input as negative, to verify and resubmit the loan. Condition remains for (a) updated LP approval correction
removing B1 negative income, per 1008/1003 no monthly income being used for qualifying for B1 and (b) regarding RSU income for B2; per income worksheet lender using average of 2025/2024 however for AUS calculation is based on XXX day simple
moving average stock price, provide lender calculation using this 200 day simple moving price and stock price documentation to support the XXX day simple moving stock price for B22.26.2026 Client provided Lender rebuttal stating B1 income
was not input as negative and to comment where showing negative. Response, this is per the LP message XXX stating: The total income for XXX is negative, this is per the LP message and further states to please confirm the income amount and
resubmit the loan as applicable. Condition remains for prior update a & b documentation. 3/5 Client provided an Email that Negative rental income was used and attributed towards one Borrower; Response the error message states Total
income is Neg for B1 and LP must be re-run; Condition remains for LP re-run with message XXX cleared 3/5 Client provided an approved exception to allow the file withut the updted LP (income has been validated)
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409039122
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with employer XXX years, also has been XXX for XXX years. XXX income not used to qualify.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|||||||||||||||
|
409040294
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
XXX: QM SH APORLender via XXX: 'Tests pertaining to Qualified Mortgage were not performed. NOT PERFORMED'
|
3/24 Client accepts DD determination of SH APOR
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: Borrowers have $XXX in reserves. Required reserves for all properties are exceeded.
|
|
409040294
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
DOT reflects B1 and B2's middle names, Title does not.Provide updated matching documents. My be subject to additional conditions upon review.
|
3.16.2026 Client provided updated pg 1 of Title reflecting middle name for both borrowers, matching DOT
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: Borrowers have $XXX in reserves. Required reserves for all properties are exceeded.
|
|
409040859
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD.Seller CD provided all fees verified. Exception Satisfied.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have been at the same residence for XXX years.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
409040859
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
HOI effective dare XXX is prior to disbursement date XXX
|
3.11.26- Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase review.
|
3.11.26- waived.
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have been at the same residence for XXX years.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
409040859
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support $XXX appraisal value due to LCA Risk 4.5.
|
3.13.2026 Client provided both full appraisals dated XXX and XXX both valued at $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have been at the same residence for XXX years.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
409041528
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Loan approval shows subject loan to close simultaneously with 2 other loans on properties at XXX and XXX. Final CD shows transfers for cash to close for those
transactions. Missing all documentation for simultaneous loans; unable to validate PITI for those properties.
|
3.13.2026 Client provided executed both CD's from other two (2) simultaneously properties: XXX and XXX supporting subject cash out funds being transferred to
each applicable properties in the amount of $XXX and $XXX and the PITIA reflected on REO of 1003 supports what is reflected on both of these properties for the new PITI payments
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
|
|
409041586
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
Repayment Ability
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTRA1497
|
File does not contain a repayment ability worksheet
|
No
|
File does not contain a repayment ability worksheet
|
2/25 Client provided an income WS ATR is demonstrated in the file
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Additional documented income (bonus, OT and other pay) not used in qualifying
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years
|
|
409041586
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
DD Firm Fraud report reflect an address: XXX not listed on REO of 1003; verify disposition of this property.
|
2/27 Client provided property report showing Borrower sold the REO
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Additional documented income (bonus, OT and other pay) not used in qualifying
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years
|
|
409041587
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Discount Points on CD XXX without a COC in file. Requires COC, or corrected PCD, copy of refund check,
LOX and verification of shipping.
|
02/25/26 Client provided a missing XXX COC and XXX LE for the initial Rate Lock.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline requirements
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
|
|
409041587
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Assets
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDAST207
|
Assets Are Unreasonable
|
No
|
Borrower acquired subject investment XXX using HELOC funds (from Primary home), per lender LOX transaction is delayed financing however file documents reflect as
cash out (per 1008 and LP), Lender to clarify if transaction is cash out or rate/term
|
3.2.2026 Client provided Lender LOX stating, transaction is a cash out refinance because delayed financing falls under the cash out guidelines with Freddie Mac.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline requirements
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
|
|
409041588
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline requirements
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
|
|||||||||||||||
|
409041589
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
QM: Rebuttable Presumption (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Discount Points on CD XXX without a COC in file. Condition pending receiving a Change of Circumstances
or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
02/20/226 Client provided a COC dated XXX reflecting: A changed circumstance occurred affecting settlement charges. Condition remains. Provide what change
occurred to prompt the increase to the Discount Points or PCCD with cure, copy of the cure check, LOE to Borrower and evidence of delivery via tracking. 03/05/26 Client provided the XXX Lock Agreement with disclosed Points of $XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with the same employer for XXX years.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409041590
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX OR XXX MONTHS
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409041590
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Appraisal fee without a COC in file. Requires COC, or Post CD reflecting lender's cure, copy of refund
check, LOX and verification of shipping.
|
02/20/26 Client provided a missing, Revised XXX COC and XXX LE validating the fee increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX OR XXX MONTHS
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409041590
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing VOE Award letter to support income of $XXX
|
2/18 Client provided eligibility award letter; condition remains for VOE Award letter to support income of $XXX2.23.2026 Client provided copy of Certificate of
Eligibility and previously provided copy of eligibility award letter which is sufficient to support VA monthly disability income and bank statement in file support the same amount of recent monthly deposit.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX OR XXX MONTHS
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409041590
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Missing 1008
|
2/18 Client provided the 1008
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX OR XXX MONTHS
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409041591
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Need explanation for payments to XXX for$XXX on XXX & XXX reflected on XXXX acct XXX. And proof not recurring monthly debt.
|
2.25.2026 Client provided LOX stating not reflected on credit report. Response, Agree not on credit report however is reflected as an outgoing Rent payment of
$XXX on the two months XXX statement reflected in file however if include, no affect on DTI.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work for Co-borrower.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX years at current address and owns property free/clear.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > than reserve requirement $XXX.
|
|
409041592
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%; Max DTI allowed is XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: ASSETPost Close Assets are $$XXX or XXX PITIReserves Required per $ XXX
|
|||||||||||||||
|
409041593
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Provide 1008
|
2.20.2026 Client provided lender 1008
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per AUS $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
|
|
409041593
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide Missing updated valuation. Value not supported by LCA 5.0. May be subject to additional conditions upon review.
|
2/24 Client provided an AVM supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per AUS $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
|
|
409041594
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXRequired per LPA findings: $XXX, met.
|
|||||||||||||||
|
409041596
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH149
|
Missing support docs for VOM/VOR (e.g. cancelled checks)
|
No
|
Missing evidence to verify simultaneous closing of primary residence via settlement statement and terms of refinance including PITIA payment.
|
2.20.2026 Client provided copy of First payment letter supporting PITIA payment of $XXX and provided executed copy of the final executed CD to support payoff of
the prior mtg w/River Bank & Trust on credit report #XXX and new mortgage is now with CMG.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409041597
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|||||||||||||||
|
409041598
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: 99 months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: 809 Median FICO >XXX points above guideline program minimum of XXX.
|
|||||||||||||||
|
409041599
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409041599
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Provide 1008
|
2.20.2026 Client provided lender 1008
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409041599
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Provide updated DU findings.DTI differential is >XXX%, due to DU incorrectly excluding XXX debt.May be subject to additional conditions upon review.
|
2.20.2026 Client provided DU submission #3 (duplicate in file) however missing updated DU with updated DTI XXX% vs XXX%; condition remains. XXX is an XXX and to
be included in DTI. 2/24 Client provided evidence the XXX was paid in full and contract fulfilled. removed from DTI;
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409041600
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA to support $XXX appraisal value due to no LCA Risk available.
|
3/2 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at present job.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > than reserve requirement $XXX.
|
|
409041601
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years XXX months in Bus
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
|
|
409041601
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
LE and CD e-signed by borrower; however, there is no prior e-sign consent in file. Provide e-Consent for all borrowers.
|
02/23/26 Client provided the Initial Disclosures tracking that reflects the E-Consent.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years XXX months in Bus
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
|
|
409041601
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide a CDA / CCA supporting the appraised value
|
2/25 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years XXX months in Bus
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
|
|
409041602
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI below guideline requirement of XXX%.
|
|
409041602
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to increase in Discount Points in the amount of $XXX on initial CD XXX. Per XXX disclosure, a revised LE XXX was issued with rate
lock but both disclosures are missing.
|
02/20/2026 Client provided COC XXX reflecting Discount Points increase due to rate lock.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI below guideline requirement of XXX%.
|
|
409041603
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX= XXX months reserves > program requirement of $XXX.
|
|
409041604
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409041604
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
File is missing 2025 or 2023 W2 for B1. DU requires W2s that cover the most recent 2-year period. 2024 W2 only provided in the file.
|
2.20.2026 Client provided 2023 w2 transcript for B2 (Laura) however initial condition is for B1 2023 or 2025 w2; condition remains for B1 2025 or 2023 w2 2/25
Client provided an approved exception to allow the file without the 2nd year W2
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409041605
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years XXX months.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|||||||||||||||
|
409041606
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have been at the same residence for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX reserves required by DU.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
409041606
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR3278
|
Hazard Insurance documentation in file is incomplete
|
No
|
Missing expiration date on evidence of HOI.
|
2.18.2026 Client provided copy of subject HOI policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have been at the same residence for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX reserves required by DU.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
409041607
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA supporting $XXX appraisal value due to LCA Risk 4.
|
2/23 Client provided an AVM supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $0 reserves required by LP.
|
|
409041608
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have 0x30 on current and previous mortgages
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
|
|
409041609
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX = XXX months reserves > program requirement of XXX
|
|
409041609
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2996
|
Missing Trust Documents
|
No
|
Missing Trust Documents
|
2.20.2026 Client provided executed copy of Trust documents along with Certificate of Trust and dated XXX (over XXX years old), appears to be still acceptable
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX = XXX months reserves > program requirement of XXX
|
|
409041610
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired: $XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: > XXX years at job
|
|
409041611
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
No
|
Finance charge understated by $XXX due to lender did not include Credit Verification Bundle in finance charge calculations. Condition is pending receiving cure
via refund in the amount of the under disclosure, LOX, corrected PCCD reflecting cure, Reopen rescission to all title holders and proof of delivery with tracking shipment.
|
03/04/26 Client provided a XXX PCCD, COC, LOE and refund check (rescission not applicable). Condition remains. Provide the proof of shipment (tracking
required).03/05/2026 Client provided shipping label reflecting package delivered XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIARequired Reserves per DU AUS = S XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409041611
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT4372
|
TILA/TRID-Disclosed Amount Financed is higher than XXX's calculated Amount Financed
|
No
|
Finance charge understated by $XXX due to lender did not include Credit Verification Bundle in finance charge calculations. Condition is pending receiving cure
via refund in the amount of the under disclosure, LOX, corrected PCCD reflecting cure, Reopen rescission to all title holders and proof of delivery with tracking shipment.
|
03/04/26 Client provided a XXX PCCD, COC, LOE and refund check (rescission not applicable). Condition remains. Provide the proof of shipment (tracking required).
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIARequired Reserves per DU AUS = S XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409041612
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month> reserve requirement $XXX. Requirement met.
|
|||||||||||||||
|
409041613
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH149
|
Missing support docs for VOM/VOR (e.g. cancelled checks)
|
No
|
Missing B1 VOR for current residence; XXX
|
2.20.2026 Client provided satisfaction payment VOR rental housing payment history from 1.17.2025 - current for B1
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI below guideline requirement of XXX%.
|
|
409041613
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated 3rd party valuation
|
3/3 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI below guideline requirement of XXX%.
|
|
409041614
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months PITI in reserves.
|
|||||||||||||||
|
409041615
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
The Final Closing Disclosure does not reflect all the required Seller paid closing fees.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX = XXX months reserves > AUS requirement of XXX months.
|
|
409041615
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
2/27 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX = XXX months reserves > AUS requirement of XXX months.
|
|
409041616
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
File is missing an additional consecutive month's bank statement for Bank of America accounts *XXX& *XXX. XXX month only was provide din the file.
|
2/20 Client provided two months statements for each account
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX7%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409041616
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH149
|
Missing support docs for VOM/VOR (e.g. cancelled checks)
|
No
|
Borrowers are renting at their primary residence. DU requires the amount of the rental housing expense to be verified and documented. Acceptable documentation
includes, but is not limited to one of the following: a direct verification from a management company or individual landlord, six months cancelled checks/equivalent payment source, six months bank statements reflecting a clear and consistent
payment to an organization or individual, or a copy of a current fully executed lease agreement and two months cancelled checks/equivalent payment source. A lease agreement provided in the file shows monthly rent of $XXX. Lender used
monthly rent of $XXX to qualify. If XXX months cancelled checks are provided, then a corrected lease agreement will also be required.
|
2/24 client provided 1008 and AUS with rent $XXX; rent per 1003 is $XXX matches lease; DTI XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX7%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409041616
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
Page 168 combined file, appraisal states subject is a detached condo; Legal description also reflects condo.Appraiser has 'Pud' selected on page 1 of the
appraisal; provide update.May be subject to additional conditions upon review.
|
2/25 Client provided an approved exception to allow the file without the updated appraisal removing PUD
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX7%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409041617
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing a CDA supporting appraised value of $XXX.
|
3/3 Client provided a CDA supporting the appraised value with a XXX% variance
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has owned his primary residence for XXX years XXX months.
|
|
409041618
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Mid credit score of xxx exceeds guideline minimum credit score of xxx.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has xxx years with current employer, B2 has xxx years.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Credit report shows no mortgage related derogatory events since account opening xxx.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of xxx is below guideline max DTI of xxx.
|
|||||||||||||||
|
409041619
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same profession for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed CMG Bulk Overlay minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below XXX Bulk Overlay maximum of XXX%
|
|
409041619
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Obtain verification of current existence of the borrower's business, XXX. through a third-party source dated no more than XXX days prior to the note date or
after the note date but prior to the delivery date.
|
2.20.2026 Client provided 3rd party SOS for XXX XXX business dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same profession for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed CMG Bulk Overlay minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below XXX Bulk Overlay maximum of XXX%
|
|
409041619
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing Third-Party valuation due to FNMA UCDP Risk score greater than 2.5.
|
2/23 Client provided a AVM supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same profession for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed CMG Bulk Overlay minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below XXX Bulk Overlay maximum of XXX%
|
|
409041620
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LYV is below XXX Bulk Overlay maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed XXX Bulk Overlay minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below CMG Bulk Overlay maximum of XXX%
|
|||||||||||||||
|
409041621
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI106
|
Debt Ratio Exception >5% and <10%
|
No
|
56.63% DTI exceed XXX% maximum per guidelines
|
2/19 Client asked for a review; upon review DTI recalculated at XXX% However, missing evidence used to exclude PITI payment on REO XXX2/20 Client provided LOX
for payment reflected on one Bwr 1003 and excluded on the other
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below XXX Bulk Overlay maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Months PITI Reserves (Qual Rate) XXX months or $XXX exceed reserve required $XXX, per DU.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed XXX Bulk Overlay minimum of XXX
|
|
409041622
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
(No Data)
|
|||||||||||||||
|
409041623
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXXreserves required by DU.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
|
|||||||||||||||
|
409041624
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL100
|
Legal document incorrect or incomplete
|
No
|
The property is located in a PUD. The file is missing page 3 of the PUD Rider.
|
2/20 Client provided executed page 3 of the PUD rider
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; No reserves required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying score is XXX. Required score is XXX.
|
|
409041625
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAPROP132
|
Missing HOA Certificate/Questionnaire
|
No
|
File is missing Condo Questionnaire
|
2/20 Client provided the questionnaire
|
Satisfied
|
(No Data)
|
Not Applicable
|
(No Data)
|
|
409041626
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAPROP132
|
Missing HOA Certificate/Questionnaire
|
No
|
Missing HOA Verification for XXX. Amount not to exceed $XXX monthly.
|
2/27 Client provided evidence of HOA dues
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months PITI in reserves.
|
|
409041627
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months PITIA in reserves.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% CLTV below guideline requirements of XXX% per program.
|
|||||||||||||||
|
409041628
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per DU AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit 768 Guidelines allow XXX
|
|||||||||||||||
|
409041629
|
XXXXXX
|
XXXXXX
|
ATR/QM: Exempt
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Borrower is paying off siblings' inherited ownership interest with the subject loan proceeds which DU shows as omitted. DU requires if the account will be paid
prior to or at closing, the account must be marked paid by closing (not omitted), and the loan casefile must be resubmitted to DU. An updated DU will be required.
|
2.20.2026 Client provided updated DU #5 with requested changes
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409041630
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in appraisal fee on LE XXX and again on LE XXX without a valid reasons documented on CC XXX and CoC XXX.
Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
02/26/2026 Client provided COC's XXX and XXX both reflecting the same reason: Appraisal fee changed due to appraiser availability. Condition remains. Provide
further information/documentation of why the fee went up on 2 separate occasions and the reason for the appraiser availability for both. 03/03/26 Client provided the Email Appraisal Order history with the detailed reasons for the increased
charges.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409041630
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA supporting appraised value of $XXX; CU Score results not available.
|
2/26 Client provided a CDA supporting the appraised value with a XXX% variance
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409041631
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below XXX Bulk Overlay maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed CMG Bulk Overlay minimum of XXX.
|
|||||||||||||||
|
409041745
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPATRQM2900
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status
determination.
|
No
|
Subject loan is a refinance of an investment property and is QM exempt.
|
2/27 On review file is TRID tested SH APOR
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 53 points above the minimum required score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has owned his primary residence for XXX years XXX months.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
|
|
409041745
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
1) File is missing a copy of the most recent mortgage statement, or other documentation, for an additional property owned located at XXX verifying payment of
$XXX includes escrows for taxes and insurance.2) File is missing documentation verifying hazard insurance premium amount and HOA dues (if any) for an additional property owned located at XXX. Used total amount of $XXX from final 1003 for
recalculations.3) File is missing documentation verifying hazard/flood insurance, taxes and HOA dues (if any) for 3 additional properties owned located at XXX, XXX and XXX. Used amounts from final 1003 for recalculations.
|
2/27 Client provided supporting documents for taxes on XXX XXX and XXX and XXX and Insurance for XXX still missing insurance for XXX XXX and XXX3.5.2026 Client
provided LOX stating, The Activity Stmt & Escrow Activity submitted on XXX is for subject loan, not for the additional real estate owned. Please the tax returns that were uploaded previously for the taxes & insurance for the XXX.
Response, 2024 Schedule E do reflect HOI for XXX and XXX and XXX, in addition provided evidence no monthly HOA for these three (3)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 53 points above the minimum required score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has owned his primary residence for XXX years XXX months.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
|
|
409041745
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA or CCA supporting appraised value of $XXX.
|
3.9.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 53 points above the minimum required score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has owned his primary residence for XXX years XXX months.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
|
|
409041749
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per Disclosure Tracking Details in file, a revised LE XXX was issued and received by the borrower. Disclosure is missing in file.
|
03/17/26 Client provided the missing XXX COC and XXX LE.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
|
|
409041749
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
|
|
409041749
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance in the amount of $XXX due to Appraisal Fee increased to $XXX on Initial CD XXX from $XXX on LE XXX with no COC in file. Condition is pending
receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
03/17/26 Client provided the missing XXX COC and XXX LE. Re-testing results in no violation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
|
|
409041749
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
10% Tolerance in the amount of $XXX due to Recording Fees increased to $XXX on Initial CD XXX from $XXX on LE XXX with no COC in file. Condition is pending
receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund
|
03/23/26 Client provided a Maven, Final ALTA and Seller comment: I'm not getting a Mavent fail for the recording fee. I'm willing to give it if that is what it
takes to get the loan sold, but can you make sure this is correct? I re-ran Mavent today. Also, the final SS had $XXX as the recording fee, not $XXX. Condition remains. The Mavent does not contain the tolerance testing (indicates credit
purpose as NOT primarily for Personal/Family/Household purposes) and the Final ALTA includes a $XXX Power of Attorney fee in the Recording section that was not indicated in any other section (the $XXX E-Recording was added to Section C on the
CD). Unable to locate the Business Use/Purpose Affidavit or LOE from Borrower, therefore loan was tested as Personal Use (per Client specific guidance). Provide the missing Business Use/Purpose Affidavit or LOE, OR provide borrower with a
$XXX refund, PCCD with cure, LOE and proof of delivery.03/26/2026 Client provided PCCD XXX with cure, COC for LOE and shipping label. Condition remains for copy of cure check. 03/31/2026 Client provided the missing cure check.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
|
|
409041749
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Insurance
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
The Master Policy effective date is XXX, which is after the closing/disbursement date of XXX. A current policy is required.
|
Client provided exception approval for Insurance Effective date is greater than the transaction date
|
XXXs final grade B
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
|
|
409042343
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower has 0x30 for XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score > required minimum of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|||||||||||||||
|
409042618
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL865
|
Title incomplete
|
No
|
Loan amount:XXX, Policy amount: XXX Provide updated matching Title. May be subject to additional conditions upon review.
|
4.10.2026 Client provided updated Title Commitment with correct amount of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for Subject and primary residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409042618
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
CU 2.6 score does not support value. Provide Missing updated valuation. May be subject to additional conditions upon review.
|
4.10.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for Subject and primary residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409042780
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|||||||||||||||
|
409042788
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX + XXX Months for Additional REO or ( $ XXX X XXX
= $ XXX)
|
|||||||||||||||
|
409042796
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
File is missing a Verbal Verification of Employment (VVOE) performed no more than XXX (XXX) business days prior to the Note date.
|
Client provided an approved exception to allow the file without the VVOE
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has owned his primary residence for XXX years XXX months.
|
|
409042894
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Missing lender's ATR/QM status determination.
|
4/2 Client accepts SH APOR determination
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX * XXX = $XXX reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409042894
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH183
|
Credit report incomplete
|
No
|
Missing complete and legible credit report; cr scan provided includes encrypted pages required for review.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX * XXX = $XXX reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409043203
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
|
|||||||||||||||
|
409045593
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH104
|
Credit score below guidelines
|
No
|
Guidelines require 680 for cash out; qualifying score is XXX.
|
3/26 Client provided an approved exception to allow the file with a XXX score
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% qualifying DTI
CFCFS2854: Significant time in profession
- XXX Comments: XXX years same line of work
|
|
409045593
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
C
|
B
|
C
|
B
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
Note date XXX; prior 1st mortgage being paid off with proceeds is dated XXX does not meet below, as required on DU findings:'Additionally, when proceeds from a
cash-out refinance transaction are used to pay off an existing first lien mortgage, the firstlien mortgage being refinanced must be seasoned for at least XXX months'
|
3/25 Client provded an approved exception to allow the file without meeting the FNMA seasoning requirements
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% qualifying DTI
CFCFS2854: Significant time in profession
- XXX Comments: XXX years same line of work
|
|
409045593
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR1939
|
Appraiser License for Incorrect State
|
No
|
Unable to test due to missing appraisal
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% qualifying DTI
CFCFS2854: Significant time in profession
- XXX Comments: XXX years same line of work
|
|
409045593
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Provide missing appraisal. May be subject to additional conditions upon review.
|
3/27 Client is provided a BPO; Provide a post disaster inspection for XXX XXX -XXX Public Severe Winter StormSevere Winter Storm and Flooding XXX4/8 Client
provided an approved exception to allow a BPO in lieu of a 1004
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% qualifying DTI
CFCFS2854: Significant time in profession
- XXX Comments: XXX years same line of work
|
|
409045593
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
Unable to test due to missing appraisal
|
3/27 Client is provided a BPO; provide a post disaster inspection for XXX XXX XXXPublicSevere Winter StormSevere Winter Storm and FloodingXXX4/8 SAtisfied with
BPO
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% qualifying DTI
CFCFS2854: Significant time in profession
- XXX Comments: XXX years same line of work
|
|
409045807
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
Credit
|
Assets
|
Waived
|
D
|
B
|
D
|
B
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
File is missing additional month's bank statement for XXX Bank accounts #XXX & #XXX for a complete 2 months. (Need XXX or XXX)
|
4/2 Client provided an approved exception to allow the file with XXX month statement
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITIA $XXX = XXX months reserves > AUS requirement of XXX months.
|
|
409045807
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
No
|
Loan file contains Property Inspection Waiver (PIW)
|
4/9 Client provided an approved exception to allow an AVM in lieu of a 1004
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITIA $XXX = XXX months reserves > AUS requirement of XXX months.
|
|
409045808
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
File is missing documentation to confirm any HOA dues and XXX mortgage payment includes taxes and insurance for property located at XXX
|
4.10.2026 Client provided Mortgage statement verifying PITI $XXX for XXX however still missing evidence of monthly HOA, if applicable. 1003 on REO reflect
monthly $XXX(possibly HOA however not verified). Condition remains for evidence of monthly HOA for this property: XXX 4.15.2026 Client provided duplicate (prior documents) however still missing evidence of the monthly $XXX reflected on REO of
1003 for this property: XXX4.20.2026 Client provided updated 1003 with removing of $XXX on REO for XXX and provided LOX as being error.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX > $XXX required per AUS.
|
|
409045808
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
All subject photos ,including building sketch, location, flood, and plat maps are missing from appraisal report.
|
4.2.2026 Client provided executed appraisal with all applicable pages, photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX > $XXX required per AUS.
|
|
409045808
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraiser's signature is missing from appraisal report.
|
4.2.2026 Client provided executed appraisal with all applicable pages, photos, license, comparable rent schedule, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX > $XXX required per AUS.
|
|
409045808
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
All comparable photos are missing from appraisal report.
|
4.2.2026 Client provided executed appraisal with all applicable pages, photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX > $XXX required per AUS.
|
|
409045809
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Signature page of appraisal was not signed by the appraiser.
|
4.2.2026 Client provided executed appraisal with all applicable pages, photos, license, comparable rent, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves per LP are $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
|
|
409045809
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Appraisal does not contain photo's of the comparable properties.
|
4.2.2026 Client provided executed appraisal with all applicable pages, photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves per LP are $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
|
|
409045809
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Appraisal does not contain photo's of the subject property.
|
4.2.2026 Client provided executed appraisal with all applicable pages, photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves per LP are $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
|
|
409045809
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA. LCA score is 3.0, guideline requires 2.5 and below.
|
4.6.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves per LP are $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
|
|
409045810
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been self employed for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|||||||||||||||
|
409045811
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of 660.
|
|
409045811
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
File is missing a full interior/exterior appraisal report.
|
4/8 Client provided an approved exception to allow the file with an AVM in lieu of a 1004
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of 660.
|
|
409045812
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
4.6.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409045813
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
4.7.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX > AUS requirement of $XXX.
|
|
409045814
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
File is missing verification of HOA dues ($XXX per final 1003) and mortgage statement for primary residence located at XXX confirming the $XXX monthly payment
includes taxes and insurance.
|
4.7.2026 Client provided copy of Mortgage statement verifying PITI of $XXX and provided evidence of monthly HOA of $XXX for requested property.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409045814
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
File is missing AUS resub with final DTI of XXX%. DTI on final AUS in file has >XXX% variance (XXX%)
|
4.10.2026 Client provided updated DU A/E submission #10 dated XXX with requested correction
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409045814
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
4/8 Client provided a CDA supporting the appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409045815
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
No
|
Loan was approved with a PIW. Guidelines and overlays do not allow PIWs.
|
4/3 Client provided an approved exception to allow an AVM in lieu of full appraisal
|
Upon review by xxx xxx Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years, XXX months at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409045815
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA858
|
Natural Disaster Area, no subsequent inspection (Individual & Public)
|
No
|
Loan was approved with a property inspection waiver. Most recent XXX disaster #XXX effective date XXX
|
4/10/2026 client provided attestation of no property damage.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years, XXX months at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409045816
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Loan was approved using $XXXper month from note income. Note in file is missing pages 5-10 and is not signed.
|
4.2.2026 Client provided provided executed Real Estate Contract total of 17 pages which is the Note, per initial condition
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX. AUS required reserves of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409045817
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.Provide documentation verifying $1,995/month for Primary Rental.
|
4.6.2026 Client provided executed copy of Lease agreement for current residence residence, XXX have been at this rental residence since Year 2011 XXX Agency 30
YR
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
409045817
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
File is missing Revised LE XXX and Initial CD XXX per Disclosure Tracking Summary. Completed disclosures and corresponding COCs required for further testing
Additional conditions may apply.
|
04/06/26 Client provided the missing LE and CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
409045817
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR3278
|
Hazard Insurance documentation in file is incomplete
|
No
|
Provide Declaration page of Homeowners Insurance verifying coverage.
|
4.3.2026 Client provided copy of subject HOI policy and file having RCE
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
409045818
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
missing mortgage statements for all properties
|
4.8.2026 Client provided PITIA verification for the following four (4) properties: XXX Everett Ave and XXX; XXX the PI is verified being in LLC name and was
omitted and the $XXX that is being used for HOI/taxes (this is acre land) evidence of the HOI/taxes totaling $XXX that is being used on REO of 1003 for this property is on 2024 Schedule E, other three (3) properties PITIA is verified as
reflected on REO of 1003 and subject property (XXX is a refinance)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409045818
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAPROP177
|
Property Issues Indicated
|
No
|
Missing fully executed appraisal and missing photos
|
4/6 Client provided the complete signed appraisal with all photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409045818
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Value
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAVALU3872
|
Missing Initial Valuation Product
|
No
|
Missing valuation that supported the original appraisal value
|
4.8.2026 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409045819
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Missing Appraisal
|
4/3 Client provided an approved exception AVM in lieu of appraisal/PIW
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXXGuidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per DU AUS = $XXX
|
|
409045819
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
TBD, FIle is Missing the Appraisal
|
4/3 Client provided an AVM in lieu of an appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXXGuidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per DU AUS = $XXX
|
|
409045819
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA5047
|
Natural Disaster Area, no indicated disaster end date by FEMA
|
No
|
Client provided an AVM in lieu of appraisal; Provide a post disaster inspection for FEMA
|
4/7 Provide a post disaster inspection for XXX XXX-XXXPublicTropical StormTropical Storm HilaryXXX4/10/2026 client provided attestation of no property damage.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXXGuidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per DU AUS = $XXX
|
|
409045820
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject Photos are missing
|
4.2.2026 Client provided executed full complete copy of appraisal with all applicable pages including photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045820
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal not Signed
|
4.2.2026 Client provided executed full complete copy of appraisal with all applicable pages including photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045820
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Comp Photos are missing
|
4.2.2026 Client provided executed full complete copy of appraisal with all applicable pages including photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045821
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing appraiser's signature and license.
|
4/3 Client provided an XXX AVM dated XXX with a value of $XXX; However, FSD score of 16 is outside MAX FSD of 15; AVM is not supported; condition remains for
Complete full appraisal 4.7.2026 Client provided executed appraisal with all applicable pages including photos, map, license etc. however appraisal is dated XXX and appears to be from Purchase transaction.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045821
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Missing appraisal comp photos.
|
4/3 Client provided an XXX AVM dated XXX with a value of $XXX; However, FSD score of 16 is outside MAX FSD of 15; AVM is not supported; condition remains for
Complete full appraisal 4.7.2026 Client provided executed appraisal with all applicable pages including photos, map, license etc. however appraisal is dated XXX and appears to be from Purchase transaction.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045821
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Missing appraisal subject photos and all applicable map images.
|
4/3 Client provided an XXX AVM dated XXX with a value of $XXX; However, FSD score of 16 is outside MAX FSD of 15; AVM is not supported; condition remains for
Complete full appraisal 4.7.2026 Client provided executed appraisal with all applicable pages including photos, map, license etc. however appraisal is dated XXX and appears to be from Purchase transaction.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045821
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to Support $ XXX Appraised Value
|
Client provided an XXX AVM dated XXX with a value of $XXX; However, FSD score of 16 is outside MAX FSD of 15; AVM is not supported; condition remains for
Complete full appraisal 4.14.2026 Client provided BPO by Clear Capital dated XXX with value of $XXX within XXX% tolerance, actual XXX%; value supported
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045821
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR169
|
Appraisal includes one or more issue(s)
|
No
|
Condition added upon review and receipt of appraisal dated XXX with Note date XXXClient provided an appraisal from subject Purchase transaction dated XXX with
value of $XXX however this appraisal was from when purchase subject property, subject transaction is a refinance, no appraisal was found for this refinance transaction, in addition per 1008 and LP, this refinance transaction appears to have
closed with a P.I.W. vs the use of this Purchase appraisal.
|
4.14.2026 Client provided BPO by Clear Capital dated 4.14.2026 with value of $XXX within XXX% tolerance, actual XXX%; value supported. Condition remains, per LP
and 1008 PIW option was used for this transaction, vs the Purchase appraisal that was provided. 4/15 Client provided an Email on review Client provided an approved exception to allow the BPO in lieu of full appraisal /PIW
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045822
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject Photos are missing
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045822
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
Appraisal not scanned in properly. Provide complete report, all pages, including maps, License, photos, etc. May be subject to additional conditions upon review.
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045822
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal not Signed
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045822
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Comp Photos are missing
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045822
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support $ XXX Appraised Value
|
4.9.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045823
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Verbal verification of employment missing for B1 & B2
|
4.6.2026 Client provided VVOE from lender stating verified XXX on XXX and provided the undated SOS for XXX however (a). SOS is not dated for B2 XXX verification
and (b). SOS for B1 reflects active with statement status being past due, will also need to verify w/SOS no longer as being reported past due, for B1 XXX and (c). still missing VVOE for B1. 4.10.2026 Client provided SOS for B2 XXX (not
dated w/Lender VVOE stating verified on 4.8.2026 post date) however SOS do also reflect statement status of Past due and provided B1 post close VVOE dated XXX (Note date XXX). Condition remains, (a). B1 VVOE post close dated and no prior to
closing VVOE for B1 was provided and (b). B2 XXX SOS not dated and statement status of past due, to verify no longer past due, to be dated and active status. 4/10 Client provided approved exceptipns to allow the file wihtout updated VOEs
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045823
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing appraiser's signature and license.
|
4/2 Client provided the complete appraisal with all photos and attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045823
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Missing appraisal comp photos.
|
4/2 Client provided the complete appraisal with all photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045823
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Missing appraisal subject photos and all applicable map images.
|
4/2 Client provided the complete appraisal with all photos and attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045823
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support $ 780,000 Appraised Value
|
4.6.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045824
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045824
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject Photos are missing
|
4/2 Client provided the complete signed appraisal with all photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045824
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal not Signed
|
4/2 Client provided the complete signed appraisal with all photos and attachments
|
Satified
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045824
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Comp Photos are missing
|
4/2 Client provided the complete signed appraisal with all photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045824
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support $ 600,000 Appraised Value
|
4/6 client provided a CDA supporting the appraised value
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045825
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing appraiser's signature and license.
|
4/2 Client provided the complete signed appraisal with all photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX
|
|
409045825
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Missing appraisal comp photos.
|
4/2 Client provided the complete signed appraisal with all photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX
|
|
409045825
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Missing appraisal subject photos and all applicable map images.
|
4/2 Client provided the complete signed appraisal with all photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX
|
|
409045825
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support $ 360,000 Appraised Value
|
4/7 Client provided a CDA supporting the appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX
|
|
409045826
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Per LP Primary Housing is $XXX/month. Verified $XXX/month. Provide full documentation of Primary Housing of $XXX/month.
|
4/6 Client asked for clarification of the properties; B1 and B3 each rent their current residence, $XXX and $XXX per F1003s= $XXX; Lender used $XXX for Primary
housing expense; provide supporting docs for $XXX4/7 Client provided supporting docs for $XXX housing payments
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045826
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject Photos are missing
|
4/2 Client provided the complete signed appraisal with all photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045826
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal not Signed
|
4/2 Client provided the complete signed appraisal with all photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045826
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Subject Photos are missing
|
4/2 Client provided the complete signed appraisal with all photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045826
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support $ 668,000 Appraised Value
|
4/7 Client provided a CDA supporting the appraised value with a XXX% variance
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
|
|
409045827
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
B1 & B2 are Missing the voe
|
4/2 Client provided PS, VOEs, and W2s for each Bwr
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per DU AUS = $ XXX
|
|
409045827
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
No income documents were provided for B1 & B2
|
4/2 Client provided PS, VOEs, and W2s for each Bwr
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per DU AUS = $ XXX
|
|
409045827
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Missing Appraisal
|
4/1 Client provided an approved exception to allow the file with an AVM in lieu of a 1004 appraisal, file closed with AUS PIW
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per DU AUS = $ XXX
|
|
409045827
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation
|
4/1 Client provided an approved exception to allow the file with an AVM in lieu of a 1004 appraisal, file closed with AUS PIW
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per DU AUS = $ XXX
|
|
409045827
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Waived
|
B
|
B
|
B
|
B
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
TBD, Loan File is Missing Appraisal
|
4/1 Client provided an AVM in lieu of appraisal, provide a post disaster inspection showing no damage since XXX event4/1 Client provided an approved exception to
allow the file with out an inspection XXX EVENT is XXX years old House was built XXX
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per DU AUS = $ XXX
|
|
409045828
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject Photos are missing
|
4/6 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045828
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal not Signed
|
4/6 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045828
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Subject Photos are missing
|
4/6 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045829
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
Missing evidence of the subject property HOA master policy (XXX) coverage for attached PUD.
|
4.2.2026 Client provided subject Master HOA Policy for XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIA; XXX Overlay requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; Fairway Overlay min XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045829
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing appraiser signature and license.
|
4.2.2026 Client provided executed full complete copy of appraisal with all applicable pages including photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIA; XXX Overlay requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; Fairway Overlay min XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045829
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Missing appraisal comp photos.
|
4.2.2026 Client provided executed full complete copy of appraisal with all applicable pages including photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIA; XXX Overlay requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; Fairway Overlay min XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045829
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Missing appraisal subject photos and all applicable map images.
|
4.2.2026 Client provided executed full complete copy of appraisal with all applicable pages including photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIA; XXX Overlay requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; Fairway Overlay min XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045829
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support $ XXX Appraised Value
|
4.2.2026 Client provided copy of subject appraisal however still missing 3rd party valuation supporting appraised value. Condition remains 4.8.2026 Client
provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIA; XXX Overlay requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; Fairway Overlay min XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045830
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
The photos are missing.
|
4.3.2026 Client provided executed full complete copy of subject appraisal including all applicable pages, photos, license, comparable rent schedule, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409045830
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraiser signature missing.
|
4.3.2026 Client provided executed full complete copy of subject appraisal including all applicable pages, photos, license, comparable rent schedule, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409045830
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
The photos are missing.
|
4.3.2026 Client provided executed full complete copy of subject appraisal including all applicable pages, photos, license, comparable rent schedule, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409045831
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing mortgage statement for Katsura.
|
4.6.2026 Client provided evidence of HOI $XXX and taxes $XXX and PI of $XXX = $XXX + HOA of $XXX for total verified o f $XXX(same per REO of 1003), for this
property.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045832
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Hazard coverage is insufficient to cover loan amount of $XXX. Dwelling coverage amount $XXX. Required coverage $XXX.
|
4/6 Client provided a replcement cost estimate; Upon review the estimate provided is insuficient to meet FNMA RCE requirements; it does not identify the property
borrower or insurance company; Condition remains 4.13.2026 Client provided HOI estimated replacement cost worksheet with identity of policy number
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409045832
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409045832
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraiser signature missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409045832
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409045832
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA supporting $XXX appraisal value due to LCA Score 3.5.
|
4/8 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409045833
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
The photos are missing.
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409045833
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraiser signature missing.
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409045833
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
The photos are missing.
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409045833
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA supporting $XXX appraisal value due to LCA Score Collateral R&W Relief Not Eligible.
|
4/10 client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409045833
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
Appraisal date: XXX. No inspection for XXX disaster #XXX declaration date XXX
|
4/15 Client provided a post disaster inspection showing no damage since the XXX event
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409045834
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraiser's signature missing. Appraiser's license missing and E & ) Insurance.
|
4/1 Client provided the complete signed appraisal with photos
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below Fairway Bulk Overlay maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed XXX Bulk Overlay minimum requirement of XXX.
|
|
409045834
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Comparable photos missing. Location, Aerial, Plat and Tax maps are missing.
|
4/1 Client provided the complete signed appraisal with photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below Fairway Bulk Overlay maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed XXX Bulk Overlay minimum requirement of XXX.
|
|
409045834
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Subject photos missing
|
4/1 Client provided the complete signed appraisal with photos
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below Fairway Bulk Overlay maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed XXX Bulk Overlay minimum requirement of XXX.
|
|
409045835
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal is missing appraiser signature.
|
4/1 Client provided the complete signed appraisal with photos
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current employment.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX. Reserve requirement met.
|
|
409045835
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Appraisal is missing comparable photos.
|
4/1 Client provided the complete signed appraisal with photos
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current employment.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX. Reserve requirement met.
|
|
409045835
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Appraisal is missing subject photos.
|
4/1 Client provided the complete signed appraisal with photos
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current employment.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX. Reserve requirement met.
|
|
409045835
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA supporting $XXX appraisal value due to CU Score not available.
|
4/6 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current employment.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX. Reserve requirement met.
|
|
409045836
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal report is missing appraiser signature and license.
|
4.2.2026 Client provided executed signed appraisal with all applicable pages including photos, license, etc. and 1004D signed by appraiser
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month. Reserve requirement met.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current employment.
|
|
409045836
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Appraisal report is missing comparable photos.
|
4.2.2026 Client provided executed signed appraisal with all applicable pages including photos, license, etc. and 1004D signed by appraiser
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month. Reserve requirement met.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current employment.
|
|
409045836
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Appraisal report is missing subject photos including all applicable maps.
|
4.2.2026 Client provided executed signed appraisal with all applicable pages including photos, license, etc. and 1004D signed by appraiser
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month. Reserve requirement met.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current employment.
|
|
409045837
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2157
|
Missing Signed 4506 in file
|
No
|
Missing executed 4506C for both borrowers
|
4.3.2026 Client provided executed 4506C for B1 however both are needed. Condition remains for B2 (XXX) executed 4506C 4.11.2026 Client provided executed 4506C
for B2 and B1
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years
|
|
409045837
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR169
|
Appraisal includes one or more issue(s)
|
No
|
Appraisal missing photos, signature, license, missing executed Comparable Rent, etc. Missing full complete copy of subject appraisal
|
4.2.2026 Client provided executed signed appraisal with all applicable pages including photos, license, comparable rent, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years
|
|
409045837
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject photos missing Missing full complete copy of subject appraisal
|
4.2.2026 Client provided executed signed appraisal with all applicable pages including photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years
|
|
409045837
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal not signed, Comparable Rent not signed, etc. Missing full complete copy of Appraisal including comparable rent
|
4.2.2026 Client provided executed signed appraisal with all applicable pages including photos, license, comparable rent, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years
|
|
409045837
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Comp Photos unacceptable Missing full complete copy of subject appraisal
|
4.2.2026 Client provided executed signed appraisal with all applicable pages including photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years
|
|
409045838
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Missing Condo Master Policy
|
3.31.2026 Client provided subject Condo Master Policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
|
|
409045838
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAPROP132
|
Missing HOA Certificate/Questionnaire
|
No
|
Missing HOA Certificate/Questionnaire / Condo to confirm project eligibility
|
3.31.2026 Client provided copy of CPM Established Condo FNMA approval with expiration date XXX: Project Name: XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
|
|
409045839
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
P.I.W. used Missing 3rd party valuation supporting appraised value $XXX
|
3.31.2026 Client provided XXX CA Value AVM with estimated value of $XXX dated XXX with FSD 0.04 and Confidence Score 96; PIW was used and allowed per LP approval
using value of $XXX ; AVM supported within XXX% tolerance (actual -1.74%) BULK
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current self employment, over XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceed guidelines
|
|
409045839
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
No
|
LP P.I.W. allowed and was used Per Overlay guidelines: No loan will have PIW Missing full appraisal
|
3.31.2026 Client provided LOX stating AVM provided. Response, initial condition is for full appraisal due to Overlay states, No loan will have PIW, this loan
closed with PIW. Client provided exception approval to allow for PIW, per guidelines no loan will have PIW (BULK review)
|
Upon further review by Senior Underwriter exception is deemed non-material, Exception approved, B Grade with compensating factors: fico score, reserves and
significant time with employment.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current self employment, over XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceed guidelines
|
|
409045840
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR169
|
Appraisal includes one or more issue(s)
|
No
|
Appraisal missing photos, signature etc. along with Comparable Rent Schedule not signedMissing full complete copy of Appraisal
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years XXX month
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
|
|
409045840
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject Photos Unacceptable, blank pages for photosMissing full complete copy of appraisal, including all photos
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years XXX month
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
|
|
409045840
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal not signedMissing full complete copy of appraisal, including signature, etc.
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, comparable rent schedule, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years XXX month
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
|
|
409045840
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Subject Photos Unacceptable, blank pages for photosMissing full complete copy of appraisal, including all photos
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, comparable rent schedule, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job, XXX years XXX month
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline requirement
|
|
409045841
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
B
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing most recent XXX months rental housing payment history Subject is 2nd home refinance Primary home is renting - missing VOR
|
3.30.2026 Client provided exception approval for missing Primary housing satisfactory housing payment history covering most recent XXX months
|
Exception approved, B Grade
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline requirements
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has significant time at current job, XXX years XXX months
|
|
409045841
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing 3rd party valuation supporting value P.I.W. was used
|
3.30.2026 Client provided AVM by XXX dated XXX with value of $XXX (PIW value $XXX), FSD 0.13 and High Confidence XXX%; AVM value is more than what is being used,
supported
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline requirements
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has significant time at current job, XXX years XXX months
|
|
409045841
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
No
|
Missing full appraisalPIW not allowed, per Overlay guidelines No loan will have a PIW
|
3.30.2026 Client provided exception approval for missing full appraisal, allowing for P.I.W. use per LP approval and AVM provided supporting the value being
used.
|
Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: LTV XXX%, fico score XXX and
B2 over XXX years with current employment.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline requirements
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has significant time at current job, XXX years XXX months
|
|
409045842
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR169
|
Appraisal includes one or more issue(s)
|
No
|
Appraisal is missing comp and subject photos and map
|
4.1.2026 Client provided full executed complete copy of subject appraisal including all applicable pages, photos, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX Min
|
|
409045842
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR1939
|
Appraiser License for Incorrect State
|
No
|
Missing copy of license
|
4.1.2026 Client provided full executed complete copy of subject appraisal including all applicable pages, photos, etc and license
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX Min
|
|
409045842
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing appraisal with signature
|
4.1.2026 Client provided full executed complete copy of subject appraisal including all applicable pages, photos, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX Min
|
|
409045843
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR169
|
Appraisal includes one or more issue(s)
|
No
|
Appraisal is Missing the 1007 Comparable rent schedule for subject rental income used to qualify
|
4.3.2026 Client provided appraisal 1007 comparable rent schedule with subject rental income of $XXX however lessor was used for qualifying
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current job
|
|
409045843
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide a CDA / CCA supporting the appraised value
|
4.8.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current job
|
|
409045844
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIANo Reserves Required
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
|
|||||||||||||||
|
409045845
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX reserves required.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years XXX months.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|||||||||||||||
|
409045846
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID4350
|
TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form
|
No
|
Final CD XXX - Other Disclosure section on page 5 is obscured by post-it. Condition is pending receiving a new copy with no post-in sticker on page 5.
|
04/06/20206 Client provided all legible pages of the Final CD XXX
|
Condition Satisfied.
|
Hybrid
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves. XXX Overlay requirement met.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409045846
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing an updated third-party property valuation supporting appraised value of $XXX or UCDP report with LCA score of 2.5 or less.
|
4/2 Client provided an AVM supporting the Purchase price
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves. XXX Overlay requirement met.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409045846
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
File is missing a full appraisal. PIWs not allowed.
|
4/2 client provided an approved exception to allow the file using and AVM
|
Upon review by XXX Senior Underwriter, Condition is a Non-Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves. XXX Overlay requirement met.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409045846
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA5047
|
Natural Disaster Area, no indicated disaster end date by FEMA
|
No
|
Client provided an AVM to satisfy the Appraisal condition; However, condition remains for a property inspection to clear XXX XXX - XXX Public & Individual
XXXXXX
|
4/10/2026 client provided attestation of no property damage.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves. XXX Overlay requirement met.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409045846
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA858
|
Natural Disaster Area, no subsequent inspection (Individual & Public)
|
No
|
No inspection since the XXX FEMA Disaster from XXX
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves. XXX Overlay requirement met.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409045848
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
C
|
B
|
C
|
B
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Missing adequate replacement cost estimate from insurance provider or updated policy reflecting coverage for value of improvements of at least $XXX.
|
4/6 Client provided an Email from Insurance agent that " coverage is at least equal to replacement cost'; Upon review by XXX SR UW; this is insufficient to meet
requirements of a replacement cost estimate; Condition remains for an RCE4/9 Client provided an approved exception to allow the file with the agents email confirming replacment cost
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; XXX Overlay min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; XXX Overlay requirement met.
|
|
409045848
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Title shows vesting as XXX and wife, XXX , Mortgage lists XXX and Wife, XXX.
|
4/1 Client asked for a review; on review the Mortgage must match the title vesting; Condition remains for Scrivener's affidavit with intent to record, correcting
Mortgage removing the initials 4.17.2026 Client provided updated Title with including initials in both names with vesting now matching Mortgage/Deed of Trust
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; XXX Overlay min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; XXX Overlay requirement met.
|
|
409045848
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation supporting $XXX property value; PIW is insufficient per program and overlay.
|
4/1 Client provided an AVM supporting the value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; XXX Overlay min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; XXX Overlay requirement met.
|
|
409045848
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Missing full appraisal supporting $XXX property value as required by Agency Program and XXX Overlay; PIW is insufficient.
|
4/1 Client provided an exception to allow an AVM in lieu of an appraisal
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; XXX Overlay min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; XXX Overlay requirement met.
|
|
409045848
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
Missing PDI for XXX disaster #XXX declared XXX due to missing required appraisal.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; XXX Overlay min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; XXX Overlay requirement met.
|
|
409045849
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; XXX Overlay requirement met.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
409045849
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Missing full appraisal supporting $XXX property value; PIW is insufficient for Agency Program and Fairway Overlay.
|
4/2 Client provided an AVM in lieu of Full appraisal per Overlay
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; XXX Overlay requirement met.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
409045849
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
Missing PDI for XXX disaster #XXX declared XXX due to missing appraisal; PIW is insufficient for Agency Program and Fairway Overlay.
|
4/2 Client provided an AVM in liue of full appraisal;
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; XXX Overlay requirement met.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
409045849
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA5047
|
Natural Disaster Area, no indicated disaster end date by FEMA
|
No
|
Missing PDI for XXX disaster #XX declared XXX due to missing appraisal; AVM provided, However condition remains for PDI required by Overlay
|
4/10/2026 client provided attestation of no property damage.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; XXX Overlay requirement met.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
409045850
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max for Fairway Overlay.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% CLTV below guideline requirements of XXX% per program.
|
|||||||||||||||
|
409045851
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing appraiser's signature and license.
|
4/1 Client provided the complete signed appraisal and license
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX; XXX Overlay requirement met.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
409045851
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Missing appraisal comp photos.
|
4/1 Client provided the complete appraisal and photos
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX; XXX Overlay requirement met.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
409045851
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Missing appraisal subject photos and all applicable map images.
|
4/1 Client provided complete appraisal with photos
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX; XXX Overlay requirement met.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
409045851
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation supporting $XXX appraisal value due to LCA Risk 3.5.
|
4/6 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX; XXX Overlay requirement met.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
409045852
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation supporting $XXX appraisal value due to LCA Risk 3.5.
|
4/10 Client provided a CDA supporting the appraised value
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA. XXX Overlay requirement met.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrower's DTI XXX%; XXX Overlay allows up to XXX%.
|
|
409045853
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal Signature block not signed
|
Client provided the complete signed appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045853
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide Missing updated valuation
|
4/6 client provided a CDA supporting the appraised value
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserves Required per LP AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045854
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation supporting $XXX property value. Missing appraisal and LCA Risk score. PIW not allowed by Agency Program or Fairway Bulk Overlay.
|
4/2 Client provided an AVM ; Condition remains for CDA/CCA or LCA score4/6 on review AVM has acceptable FSD score
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has been XXX for XXX years, B2 has been with employer for XXX years.
|
|
409045854
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Missing full appraisal supporting $XXX property value; PIW not allowed by Agency Program or Fairway Bulk Overlay.
|
4/2 Client provided an AVM in lieu of full appraisal
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has been XXX for XXX years, B2 has been with employer for XXX years.
|
|
409045854
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA5047
|
Natural Disaster Area, no indicated disaster end date by FEMA
|
No
|
Client provided an AVM; Condition remains for PDI per overlay for ; XXX XXX -XXX Public & Individual XXX XXX
|
4/10/2026 client provided attestation of no property damage.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has been XXX for XXX years, B2 has been with employer for XXX years.
|
|
409045854
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA858
|
Natural Disaster Area, no subsequent inspection (Individual & Public)
|
No
|
Missing PDI for XXX disaster #XXX effective date XXX due to missing appraisal.
|
4/2 Client provided AVM in lieu pf appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has been XXX for XXX years, B2 has been with employer for XXX years.
|
|
409045855
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
B
|
B
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Missing List of homeowners counseling organizations
|
04/06/26 Client provided the HC List.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; AUS does not require any reserves.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
|
|
409045855
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
B
|
B
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
B
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
No
|
The file was approved with a PIW and no other appraisal product provided. The file is missing valuation product used to qualify.
|
4/2 Client provided an AVM in lieu of an appraisal per Overlay
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; AUS does not require any reserves.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
|
|
409045855
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
B
|
B
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
B
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
PIW used to qualify the loan. No property inspection in file.
|
4/2 Client provided an AVM; XXX PUBLIC from XXX Condition remains for PDI
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; AUS does not require any reserves.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
|
|
409045856
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
|
|
409045856
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit
or refund provided
|
No
|
Zero tolerance in the amount of $XXX due to Escrow Waiver fee was added without a COC in file. A lender tolerance cure in the amount of $XXX was disclosed;
however, an additional $XXX is required. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
04/15/26 Client provided a XXX PCCD increasing the cure credit to $XXX and LOE. Condition remains. Provide the missing $XXX refund check and proof of
shipment.04/21/26 Client provided the refund check and tracking.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
|
|
409045856
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing appraiser's signature, and all photos for subject, and comps.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
|
|
409045857
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves. AUS required reserves $XXX.
|
|||||||||||||||
|
409045858
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below guideline requirement XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history 0X30 for XXX exceeds guideline of 0X30 for XXX months.
|
|||||||||||||||
|
409045859
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Missing appraisal photos for subject and comps.
|
4/1 Client provided signed appraisal with photos
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Fico score XXX exceeds guides of XXX.
|
|
409045859
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing desk review supporting original appraised value of $XXX.
|
4/6 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Fico score XXX exceeds guides of XXX.
|
|
409045860
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR169
|
Appraisal includes one or more issue(s)
|
No
|
4.7.2026 Client provided CDA supporting value with XXX% tolerance however appraisal that is being used for this transaction is dated XXX which is the Purchased
Appraisal and subject Note date XXXCondition added due to (a). appraisal provided is dated XXX and is the appraisal from the Purchase transaction, no appraisal was found for subject refinance transaction, in addition (b). file have a 1004D
that is not executed and missing the photos that is part of this 1004D
|
4/8 Client provided the signed final 1004D
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
|
|
409045860
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Missing subject photos.
|
4/2 Client provided the complete signed appraisal with photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
|
|
409045860
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing signature of appraiser.
|
4/2 Client provided the complete signed appraisal with photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
|
|
409045860
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Missing comp photos.
|
4/2 Client provided the complete signed appraisal with photos and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
|
|
409045861
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
No
|
File was approved using PIW. File is missing product valuation used to support value of $XXX.
|
4/17 Client provided an approved exception to allow a BPO in lieu of a 1004
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX /XXX month. Reserve requirement met. Per findings: Reserves Required to beVerified $XXX
|
|
409045861
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
Unable to test due to missing appraisal
|
4/6 Provide a post disaster inspection for XXX XXXXXXPublicSevere Storms, Tornadoes, Straight-line Winds, Flooding, and LandslidesSevere Storms, Tornadoes,
Straight-line Winds, Flooding, and LandslidesXXX 4.8.2026 Client provided lender LOX stating XXX in question is from XXX and our borrower didn't purchase property until XXX if there were any XXX year old issues still left from the disaster,
it would have been addressed at the time of purchase. Response, appears this condition have triggered due to loan being approved as PIW, no appraisal was provided. Condition remains, can be waived B Grade. 4/10/2026 client provided
attestation of no property damage.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX /XXX month. Reserve requirement met. Per findings: Reserves Required to beVerified $XXX
|
|
409045862
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing appraisers signature and license.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX years at current employment.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month. Reserve requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045862
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Missing appraisers comp photos.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX years at current employment.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month. Reserve requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045862
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Missing appraisal subject photos including all applicable maps.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX years at current employment.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month. Reserve requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045862
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated third-party property valuation product supporting $XXX appraisal value; LCA Risk could not be assessed.
|
4.7.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX years at current employment.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month. Reserve requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045863
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Fico score XXX exceeds guides of XXX.
|
|||||||||||||||
|
409045864
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Months PITI ReservesXXX
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has 0x30 for XXX months.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|||||||||||||||
|
409045865
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Transfer Tax from $XXX on initial CD XXX to $XXX on final CD XXX with no COC in file. Condition is
pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund
|
04/07/26 Client provided the XXX Revised CD and the missing XXX COC (Transfer Taxes increased on XXX).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409045865
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
Appraisal not scanned in properly. Provide complete report, all pages. May be subject to additional conditions upon review.
|
4.3.2026 Client provided executed full complete copy of subject appraisal including all applicable pages, photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409045865
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Provide signed appraisal
|
4.3.2026 Client provided executed full complete copy of subject appraisal including all applicable pages, photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409045865
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Appraisal not scanned in properly. Provide complete report, all pages, including comp photos. May be subject to additional conditions upon review.
|
4.3.2026 Client provided executed full complete copy of subject appraisal including all applicable pages, photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409045865
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Appraisal not scanned in properly. Provide complete report, all pages, including subject photos. May be subject to additional conditions upon review.
|
4.3.2026 Client provided executed full complete copy of subject appraisal including all applicable pages, photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409045865
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide Missing updated valuation
|
4/6 Client provided a CDA supporting the appraised value with a XXX% variance
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409045866
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Missing all photos of subject property.
|
4/1 Client provided the signed appraisal with photos
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower 1 has XXX years at current residence and borrower 2 has XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
|
|
409045866
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Missing all comp photos.
|
4/1 Client provided the complete signed appraisal with photos
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower 1 has XXX years at current residence and borrower 2 has XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
|
|
409045867
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX years at current residence.
|
|||||||||||||||
|
409045868
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
|
|
409045868
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence of hazard for primary XXX
|
4.9.2026 Client provided Borrower LOX stating, XXX is my XXX home. The property is owned free and clear of liens, and I do not have any monthly rent obligation.
Response, initial condition is for missing evidence of hazard insurance for this property XXX however LOX says have no monthly rent obligation. Condition remains for evidence of hazard insurance for this property. 4/10 Client asked for a
review; Property report for XXX shows no ownership of Borrower
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
|
|
409045868
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDDTI134
|
Debt Ratio Exception =>10%
|
No
|
Max DTI XXX%, DTI XXX%, missing comparable rent schedule, missing hazard for primary
|
4/10 Client asked for a review; Upon review the subject property Insurance per file docs is $XXX / $XXX and lender used $XXX4/13 Client asked for a review; upon
review the subject taxes were corrected DTI revised to XXX
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
|
|
409045868
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
B
|
C
|
A
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
No
|
4.7.2026 Client provided AVM (XXX) dated XXX with value of $XXX FSD 12 Confidence Score 88; PIW value $XXX condition remains
|
4/7 Client provided an AVM in lieu of appraisal
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
|
|
409045868
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Loan closed with a PIW and lender allowed an AVM in lieu of a full 1004
|
(No Data)
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
|
|
409045868
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA858
|
Natural Disaster Area, no subsequent inspection (Individual & Public)
|
No
|
Missing appraisal
|
4.7.2026 Client provided AVM (XXX) dated 4.6.2026 with value of $XXX FSD 12 Confidence Score 88; condition remains Missing post disaster inspection: XXX dated
XXX
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
|
|
409045868
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Value
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAVALU3872
|
Missing Initial Valuation Product
|
No
|
Missing valuation that supports the original appraisal value
|
4.7.2026 Client provided AVM (XXX) dated XXX with value of $XXX FSD 12 Confidence Score 88; PIW value $XXX ; value supported with AVM within XXX% tolerance,
actual XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
|
|
409045869
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal is not signed.
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; AUS required reserves of $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXXrequired.
|
|
409045869
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Appraisal in file is missing all photos.
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; AUS required reserves of $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXXrequired.
|
|
409045869
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Appraisal in file is missing all photos.
|
4.3.2026 Client provided executed full complete copy of subject appraisal with all applicable pages including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; AUS required reserves of $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXXrequired.
|
|
409045870
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; XXX Overlay requirement met.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX Overlay max XXX%.
|
|||||||||||||||
|
409045871
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
4/7 Client provided an LCA score of 1.0
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico score is well above minimum of XXX per guidelines
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI well below max of XXX% per guidelines
|
|
409045872
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Missing all appraisal comp photos.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
|
|
409045872
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Missing all applicable subject map images.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
|
|
409045873
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
No
|
Lender qualified file with a property inspection report. File is missing 3rd party verification of value with supporting documentation.
|
4/8 Client provided an approved exception to allow an AVM in lieu of a 1004
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX% and max per guideline is XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico and guideline minimum is XXX
|
|
409045873
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
Lender qualified file with a property inspection report. File is missing 3rd party verification of value with supporting documentation.
|
4/8 Client provided an AVM
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX% and max per guideline is XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico and guideline minimum is XXX
|
|
409045873
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA5047
|
Natural Disaster Area, no indicated disaster end date by FEMA
|
No
|
Provide a Post disaster inspection for XXX- XXXXXXPublicSevere Storms and FloodingSevere Storms and FloodingXXX
|
4/10/2026 client provided attestation of no property damage.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX% and max per guideline is XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico and guideline minimum is XXX
|
|
409045874
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH183
|
Credit report incomplete
|
No
|
File is missing the credit report for B1. Credit screen to be updated/completed upon receipt.
|
4/6 Client provided the crdit report
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by LP.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409045874
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
File is missing most recent year complete signed federal income tax return, or IRS wage and income transcripts for B1. Tax returns provided in the file are not
signed.
|
4/6 Client provided the complete signed taxes
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by LP.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409045874
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
File is missing a verbal VOE dated within XXX business days of the note date for both borrowers.
|
4/2 Client provided an approved exception to allow the file without he VVOE
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by LP.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409045874
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
File is missing the subject property hazard insurance dec pages for all insurance used to qualify. Used total monthly premiums of $XXX for recalculations.
|
4/2 Client provided supporting docs for REO insurance: still missing subject Insurance policy and premium4/6 Client provided the subject insurance
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by LP.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409045874
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
Appraisal is missing all maps, pictures and other attachments/addendums.
|
4/2 Client provided the complete signed appraisal with photos and all attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by LP.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409045874
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal is missing the appraiser's signature.
|
4/2 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by LP.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409045874
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Provide Comp photos
|
4/2 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by LP.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409045874
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Provide Subject Photos
|
4/2 Client provided the complete signed appraisal with photos and all attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by LP.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409045874
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
LCA score of 3 exceeds maximum allowable score of 2.5. Missing updated valuation supporting appraised value of $XXX.
|
4/6 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by LP.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409045876
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing appraiser signature and license.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
|
|
409045876
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Missing appraisal comp and rental comp photos.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
sastisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
|
|
409045876
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Missing appraisal subject photos and all applicable map images.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
|
|
409045877
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing the appraiser's signature. Missing the appraiser's license and E & O Insurance.
|
4/1 Client provided the complete signed appraisal with photos and all licenses and attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below XXX Bulk Overlay maximum requirement of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline requirement of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed XXX Bulk Overlay minimum requirement of XXX.
|
|
409045877
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Missing Comparable photos, Location, Aerial and Plat Maps.
|
4/1 Client provided the complete signed appraisal with photos and all licenses and attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below XXX Bulk Overlay maximum requirement of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline requirement of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed XXX Bulk Overlay minimum requirement of XXX.
|
|
409045877
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Missing subject photos
|
4/1 Client provided the complete signed appraisal with photos and all licenses and attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below XXX Bulk Overlay maximum requirement of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline requirement of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed XXX Bulk Overlay minimum requirement of XXX.
|
|
409045878
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence to either verify HOA for B2 primary residence, or statement from borrower that the property is not in an HOA; 3rd party search indicates
property may be in an homeowner's association.
|
4/8 Client provided XXX showing no HOA dues
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; Fairway Overlay requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; Fairway overlay allows down to XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
|
|
409045878
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation supporting $XXX appraisal value due to LCA Risk not available.
|
4/10 Client provided the appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; Fairway Overlay requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; Fairway overlay allows down to XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
|
|
409045879
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing appraiser signature on pg 6
|
4/6 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITIA > min required of $XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrowers both have XXX years at present job
|
|
409045879
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Missing Comp Photos
|
4/6 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITIA > min required of $XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrowers both have XXX years at present job
|
|
409045879
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Missing Subject Photos
|
4/6 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX months PITIA > min required of $XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrowers both have XXX years at present job
|
|
409045880
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Missing full appraisal supporting $XXX property value; PIW is not acceptable.
|
4/8 Client provided an Approved exception to allow the file using an AVM
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Credit score of XXX exceeds minimum score of 680.
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0x30xXXX Primary mortgage.
CFCFS5269: Minimal use of credit
- XXX Comments: Credit line usage ratio XXX%.
|
|
409045880
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA5047
|
Natural Disaster Area, no indicated disaster end date by FEMA
|
No
|
Provide a Post disaster inspection for XXX - XXX XXXPublic & IndividualHurricaneXXX XXX
|
4/10/2026 client provided attestation of no property damage.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Credit score of XXX exceeds minimum score of 680.
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0x30xXXX Primary mortgage.
CFCFS5269: Minimal use of credit
- XXX Comments: Credit line usage ratio XXX%.
|
|
409045880
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA858
|
Natural Disaster Area, no subsequent inspection (Individual & Public)
|
No
|
No inspection for XXX disaster #XXX declared XXX due to missing appraisal; PIW is not acceptable.
|
4/8 Satisfied with AVM see updated FEMA
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Credit score of XXX exceeds minimum score of 680.
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0x30xXXX Primary mortgage.
CFCFS5269: Minimal use of credit
- XXX Comments: Credit line usage ratio XXX%.
|
|
409045881
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
Appraisal not scanned in correctly. Provide full complete report , all pages, including, maps, photos, license, etc. May be subject to additional conditions upon
review.
|
4/6 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI, LP required reserves of $XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX%
|
|
409045881
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Provide signed appraisal
|
4/9 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI, LP required reserves of $XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX%
|
|
409045881
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Provide Comp photos
|
4/9 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI, LP required reserves of $XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX%
|
|
409045881
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Provide Subject Photos
|
4/9 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI, LP required reserves of $XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX%
|
|
409045881
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide Missing updated valuation. Value not yet supported. May be subject to additional conditions upon review.
|
4/8 Client provided a CDA supporting the appraised value with a 0% variance
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI, LP required reserves of $XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX%
|
|
409045882
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide Missing updated valuation. Value not yet supported. May be subject to additional conditions upon review.
|
4/10 Client provided a CDA supporting the appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico score exceeds minimum
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired per DU findings:$XXXMet
|
|
409045883
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH149
|
Missing support docs for VOM/VOR (e.g. cancelled checks)
|
No
|
1008 indicates XXX payment for XXX, but final 1003 shows XXX . Document PITI(A) and most recent XXX month VOM or payment history. Subject to DTI recalc and may
be subject to additional conditions upon review.
|
4/10 Client provided an Email ; Upon review file is missing evidence of supporting docs for PITI on XXX and payment history 4/13 Client provided Note and 1st
payment for recently closed mortgage
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower 2 has XXX years at present job.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has 0x30 for XXX months.
CFCFS5269: Minimal use of credit
- XXX Comments: Credit usage ratio XXX%.
|
|
409045883
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject photos are cut off at bottom.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower 2 has XXX years at present job.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has 0x30 for XXX months.
CFCFS5269: Minimal use of credit
- XXX Comments: Credit usage ratio XXX%.
|
|
409045883
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
Appraisal not scanned in properly. Pages are cut off at bottom. Provide updated report, all complete pages. May be subject to additional conditions upon review.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower 2 has XXX years at present job.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has 0x30 for XXX months.
CFCFS5269: Minimal use of credit
- XXX Comments: Credit usage ratio XXX%.
|
|
409045883
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Comp photos are cut off at bottom.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower 2 has XXX years at present job.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has 0x30 for XXX months.
CFCFS5269: Minimal use of credit
- XXX Comments: Credit usage ratio XXX%.
|
|
409045884
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
B2 missing most recent XXX day pay stubs, only one pay stub is in the file.
|
4/8 Client provided an Email; on review LP approved with 1 paystub
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045884
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045884
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing signature.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045884
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045884
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA supporting $XXX appraisal value due to Collateral R&W Relief Not Eligible.
|
4.11.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045885
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing property taxes for XXX
|
4/8 Client provided the tax bill
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
|
|
409045885
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
|
|
409045885
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraiser signature missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
|
|
409045885
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
|
|
409045885
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA supporting $XXX appraisal value due to LCA score Collateral R&W Relief Eligible.
|
4/8 Client provided a CDA supporting the appraised value with a 0% variance
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
|
|
409045886
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
The appraisal report is missing the subject photos.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; AUS requires $XXX in reserves.
|
|
409045886
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
The appraisal report is not signed by the appraiser.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; AUS requires $XXX in reserves.
|
|
409045886
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
The appraisal report is missing the comparable photos.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; AUS requires $XXX in reserves.
|
|
409045887
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Hazard Insurance effective date is XXX which is prior to the Disbursement Date of XXX.
|
Client provided exception approval for Insurance Effective date is greater than the transaction date
|
XXXs final grade B
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; AUS requires $XXX in reserves.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
|
|
409045887
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
The loan was approved using LP. The LCA score is 3.5. A secondary updated valuation is required and not provided in the file.
|
4/9 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; AUS requires $XXX in reserves.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
|
|
409045888
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Closing date XXX, Initial CD issued XXX E signed XXX. No Confirmation of Receipt of Initial CD w/ proof of delivery XXX Days Prior to Consummation provided.
|
04/06/26 Client provided the full Disclosure Tracking Summary and Details confirming borrower Viewed the CD on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years, XXX month at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409045888
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal not Signed
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years, XXX month at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409045888
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
File is missing all appraisal photos.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years, XXX month at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409045888
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
File is missing all appraisal photos.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years, XXX month at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409045889
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated 3rd party valuation
|
4.3.2026 Client provided XXX CA Value AVM dated XXX with value of $XXX (PIW value of $XXX) FSD 0.22 with Confidence Score 78 Most recent FSD score of 0.22
outside of approved FSD XXX variance, Value not supported 4/10 Client provided a BPO supporting the value
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
409045889
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR5355
|
Most recent FSD score outside of approved variance
|
No
|
Client provided XXX CA Value AVM dated 4.2.2026 with value of $XXX (PIW value of $999,000) FSD 0.22 with Confidence Score 78 Most recent FSD score of 0.22
outside of approved FSD XXX variance
|
4/10 Client provided a BPO supporting the value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
409045889
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
No
|
Loan approved with a PIW. Not allowed per the guidelines.
|
4.3.2026 Client provided exception approval to allow for PIW per LP approval, per guidelines overlay no loan will have a PIW
|
Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: LTV 69% with DTI of XXX%
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
409045889
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
Loan approved with a Property Inspection Waiver.
|
4/10/2026 client provided attestation of no property damage.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
409045890
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Missing all subject photos.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX month at current job.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history 0X30 for XXX months exceeds guideline of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum
|
|
409045890
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
Appraisal not scanned in properly. Provide full, complete report - all pages, including addendums, maps, license, photos, etc. May be subject to additional
conditions upon review.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX month at current job.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history 0X30 for XXX months exceeds guideline of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum
|
|
409045890
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing appraiser signature.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX month at current job.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history 0X30 for XXX months exceeds guideline of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum
|
|
409045890
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Missing all comp photos.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX month at current job.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history 0X30 for XXX months exceeds guideline of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum
|
|
409045891
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
Missing Hazard Insurance for the subject property
|
4/6 Client provided insurance
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045891
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
C
|
B
|
C
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance effective XXX and loan funded XXX; provide insurance in effect XXX
|
4/7 Client provided an approved exception to allow the file with insurance effective XXX and funding XXX
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045891
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject Photos are missing
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045891
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
Appraisal not scanned in properly. Provided full, complete appraisal, all pages - including maps, licenses, photos, etc. May be subject to additional conditions
upon review.
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045891
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal not Signed
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045891
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Subject Photos are missing
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045892
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject Photos are missing
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit 785 Guidelines allow XXX
|
|
409045892
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal not Signed
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit 785 Guidelines allow XXX
|
|
409045892
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Subject Photos are missing
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit 785 Guidelines allow XXX
|
|
409045893
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required of $XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines XXX%
|
|||||||||||||||
|
409045895
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
A
|
A
|
A
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraiser signature is missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required of $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409045895
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
A
|
A
|
A
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
All appraisal photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required of $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409045895
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
A
|
A
|
A
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
All appraisal photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required of $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409045895
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
Bottom of 1025 appraisal pages are cut off re submit for review
|
4/10 Client provided the appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required of $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409045895
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation supporting $XXX appraisal value due to CU Score not performed.
|
4/10 Client provided a CDA supporting the appraised value
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required of $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409045896
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% CLTV is below guideline requirements
|
|||||||||||||||
|
409045897
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Need evidence of PITIA for XXX. Application indicates "New Loan". Need REO statement for HELOC XXX Loan for $XXX on CBR and which property lien is attached to.
|
4/11 Client provided a XXX Payoff statement; and CD for new loan with PITIA for XXX $XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has 0x30 for XXX months.
|
|
409045897
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide Missing updated valuation. May be subject to additional conditions upon review.
|
4/11 Client provided a CDA supporting the appraised value with a XXX% variance
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has 0x30 for XXX months.
|
|
409045898
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value
|
4/8 Client provided a CDA supporting the appraised
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX% and max per guidelines is XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico score - program minimum is XXX
|
|
409045899
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
PDF corrupted, photos are unavailable.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > minimum required score of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX%.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Bonus income for Borrower 2 not used in qualifying ratios.
|
|
409045899
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
PDF corrupted, photos are unavailable.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > minimum required score of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX%.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Bonus income for Borrower 2 not used in qualifying ratios.
|
|
409045900
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation. CU score is 2.7
|
4/13 Client provided a CDA supporting the appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico score - XXX required
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV - max of XXX% per guidelines
|
|
409045901
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves of $XXX supports significantly more than guidelines require
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXXcredit score - guidelines require XXX
|
|||||||||||||||
|
409045902
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2860: Good credit history
- XXX Comments: Borrower has 0x30 for XXX months..
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been in same profession for XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
409045903
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support $ XXX Appraised Value
|
4/8 Client provided the CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per DU AUS = $ XXX
|
|
409045904
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support $ XXX Appraised Value
|
4/9 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
|
|
409045905
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|||||||||||||||
|
409045906
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject Photos are missing
|
4/8 Client provided the complete signed appraisal with photosand all attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045906
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal not Signed
|
4/8 Client provided the complete signed appraisal with photosand all attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045906
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Comp Photos are missing
|
4/8 Client provided the complete signed appraisal with photosand all attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045906
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support $ XXX Appraised Value
|
4/8 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045907
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject Photos are missing
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIANo Reserves Required
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409045907
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal not Signed
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIANo Reserves Required
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409045907
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Comp Photos are missing
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIANo Reserves Required
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409045908
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Verbal verification of employment missing
|
4/8 client provided the VVOE
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045908
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
A
|
A
|
A
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject Photos are missing
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045908
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
A
|
A
|
A
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Comp Photos are missing
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045908
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support $ XXX Appraised Value
|
4/9 Client provided a CDA supporting the appraisal
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409045909
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR1939
|
Appraiser License for Incorrect State
|
No
|
TBD Appraisal Not Provided
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per DU AUS = $ XXX
|
|
409045909
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Missing Appraisal
|
4/7 Loan closed with a PIW Client provided an approved exception to allow the file with an AVM in lieu of an appraisal
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per DU AUS = $ XXX
|
|
409045909
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
TBD Appraisal Not Provided
|
4/7 Client provided an AVM
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per DU AUS = $ XXX
|
|
409045909
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA5047
|
Natural Disaster Area, no indicated disaster end date by FEMA
|
No
|
Provide a PDI for XXX XXX -XXXPublicSevere Winter Storm and SnowstormSevere Winter Storm and SnowstormXXX
|
4/10/2026 client provided attestation of no property damage.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per DU AUS = $ XXX
|
|
409045910
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Provide most recent W2 for B2. May be subject to additional conditions upon review.
|
4.9.2026 Client provided 2025 w2 for B2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower XXX has XXX Years in Current Profession
|
|
409045911
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower Has Good Mortgage payment history with XXX Late Payments > XXX Months
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
|
|||||||||||||||
|
409045912
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at current home
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds 680 Min
|
|||||||||||||||
|
409045913
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Appraisal is missing Signature and Photos for comps and subject
|
4.8.2026 Client provided executed full complete copy of appraisal with all applicable pages including all photos, license, etc.
|
condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at current residence
|
|
409045913
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal is missing Signature and Photos for comps and subject
|
4.8.2026 Client provided executed full complete copy of appraisal with all applicable pages including all photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at current residence
|
|
409045913
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Appraisal is missing Signature and Photos for comps and subject
|
4.8.2026 Client provided executed full complete copy of appraisal with all applicable pages including all photos, license, etc.
|
condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at current residence
|
|
409045913
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide a CDA or CCA supporting the appraised value
|
4/10 Client provided a CDA supporting the appraised value with a XXX% variance
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at current residence
|
|
409045914
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
The appraisal is not signed and is missing all photos and attachments; provide complete appraisal
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at current home
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current job
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
|
|
409045914
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
The appraisal is not signed and is missing all photos and attachments; provide complete appraisal
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at current home
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current job
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
|
|
409045914
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
The appraisal is not signed and is missing all photos and attachments; provide complete appraisal
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at current home
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current job
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
|
|
409045914
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
The appraisal is not signed and is missing all photos and attachments; provide complete appraisal
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at current home
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current job
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
|
|
409045915
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
File is missing documentation to verify $XXX monthly expenses for B1/B2's primary residence located at XXX, per 1003. (Taxes, Insurance, and HOA)
|
4.10.2026 Client provided the following documentation supporting: HOA $XXX HOI $XXX Taxes $XXX for XXX and mtg statement for PI $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX> AUS requirement of $XXX
|
|
409045915
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
A
|
A
|
A
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraiser's signature is missing from uploaded appraisal report.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX> AUS requirement of $XXX
|
|
409045915
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
A
|
A
|
A
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
All subject photos including location map are missing from uploaded appraisal report.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX> AUS requirement of $XXX
|
|
409045915
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
A
|
A
|
A
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
All comparable photos are missing from uploaded appraisal report.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX> AUS requirement of $XXX
|
|
409045916
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
File is missing documentation to verify $XXX XXX payment per 1003.
|
4/7 Client provided email; on review payment shows on XXX statement
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX> AUS requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409045916
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
File is missing pre-closing verification of employment dated within XXX days of the note for the following employers; XXX XXX, and XXX.
|
4/7 Client provided an approved exception to allow the file without the VVOE
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required, VOEs within XXX days
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX> AUS requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409045916
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
4/9 Client provided a CDA supporting the appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX> AUS requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409045917
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
A
|
A
|
A
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraiser's signature is missing from uploaded appraisal report.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409045917
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
A
|
A
|
A
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
All subject photos, including aerial and location maps are missing from uploaded appraisal report.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409045918
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
D
|
B
|
D
|
B
|
CRDCRMH183
|
Credit report incomplete
|
No
|
XXX is frozen for B1 on XXX credit report.
|
4/7 Client provided an approved exception to allow the file with XXX frozen
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX> AUS requirement of $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409045918
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2996
|
Missing Trust Documents
|
No
|
Certification of Trust not found in file
|
4.10.2026 Client provided executed copy of Revocable Trust
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX> AUS requirement of $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409045919
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Proposed policy amount of $XXX is < Note amount of $XXX.
|
4/9 Client provided corrected Title
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX > AUS requirement of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409045919
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
All subject photos, including building sketch, plat, aerial and location maps are missing from uploaded appraisal report.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX > AUS requirement of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409045919
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraiser's signature is missing from uploaded appraisal report.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX > AUS requirement of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409045919
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
All comparable photos are missing from uploaded appraisal report.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX > AUS requirement of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409045919
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
4/9 Client provided a CDA supporting the appraisal
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX > AUS requirement of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409045920
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
Provide full, complete appraisal - all pages, including missing maps, license, photos, etc. May be subject to additional conditions upon review.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months rent payment history 0x30.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
|
|
409045920
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal report is missing appraiser signature.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months rent payment history 0x30.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
|
|
409045920
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated third-party property valuation product due to LCA not scored. Appraised value of $440,0000 to be supported.
|
4.10.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months rent payment history 0x30.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
|
|
409045921
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
Provide full, complete appraisal - all pages, includingmissing maps, license, photos, etc. May be subject to additional conditionsupon review.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months rent payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045921
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal report is missing appraiser signature.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months rent payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045922
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has owned his primary residence for XXX years XXX months.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves; no reserves are required by LP.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|||||||||||||||
|
409045923
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
File is missing evidence that the HELOC funds used for closing have been transferred to the borrower or provide an updated DU approval with the HELOC funds
removed.
|
4.9.2026 Client provided updated DU A/E #6 dated XXX with removal of HELOC funds of $XXX however #15 should have been removed from DU which is asking for
evidence of the XXX HELOC with payment of $XXX and balance of $XXX however the $XXX HELOC funds have been removed from the assets
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years XXX months.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been XXX with current business since XXX
|
|
409045923
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
Appraisal is missing all pictures, maps, sketches, license, etc.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years XXX months.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been XXX with current business since XXX
|
|
409045923
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA supporting appraised value of $XXX.
|
4.9.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required by DU.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years XXX months.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been XXX with current business since XXX
|
|
409045924
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
4/9 Client provided a CDA supporting the appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: 780 mid score > min required of 680.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409045925
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
The appraiser signature is missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045925
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045925
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045926
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraiser signature missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409045926
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409045926
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409045926
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated third-party property valuation product due to LCA score 3.5. Appraised value of $XXXto be supported.
|
4/9 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409045927
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045927
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
The appraiser signature is missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045927
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045927
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045927
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA supporting $XXX appraisal value due to LCA Score 3.5.
|
4/8 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045928
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
|
|
409045929
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing HOI and taxes for investment property: XXX.
|
4.8.2026 Client provided evidence of monthly taxes of $XXX and HOI $XXX and PI $XXX same verified on REO of 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045929
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraiser signature missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045929
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045929
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
The photos are missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045929
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA supporting $XXX appraisal value due to LCA Collateral R&W Relief Not Eligible.
|
4.8.2026 Client provided 3rd party CDA with value of $XXX and appraised value of $990,000 with XXX% variance, value not supported within XXX% tolerance. Value
not supported with 3rd party CDA, separate condition added on file for value not supported
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045929
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Property Valuations
|
Value
|
Satisfied
|
C
|
A
|
C
|
B
|
PRVAVALU5249
|
Property Value Not Supported
|
No
|
4.8.2026 Client provided 3rd party CDA with value of $XXX and appraised value of $990,000 with XXX% variance, value not supported within XXX% tolerance. Value
not supported with 3rd party CDA
|
4/8 Client provided an Email; upon review by XXX SR UW valuation reduced to $XXX per CDA LTV 70%; MAX allowed per overlay is 90%
|
Satisfied
|
Not Applicable
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045930
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
No
|
Lender qualified subject with a Property inspection waiver. File is missing appraisal supporting value.
|
4/7 Client provided an approved exception to allow the file with an AVM in lieu of a 1004 appraisal
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
|
|
409045930
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
File is missing appraisal
|
4/7 Satisfied with AVM
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
|
|
409045930
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA5047
|
Natural Disaster Area, no indicated disaster end date by FEMA
|
No
|
Provide a PDI for XXX XXX - XXX PublicWildfiresXXX
|
4/10/2026 client provided attestation of no property damage.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
|
|
409045931
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.Provide documentation of new Refinance of Primary Residence at XXX verifying new PITI of $XXX/month.
|
4/13 Client provided the F CD showing $4711 PITI
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS2854: Significant time in profession
- XXX Comments: B2 has been in the same profession for XXX years
|
|
409045931
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide documentation of new Refinance of Primary Residence at XXX verifying new PITI of $XXX/month.
|
4/13 Client provided evidence of PITI
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS2854: Significant time in profession
- XXX Comments: B2 has been in the same profession for XXX years
|
|
409045931
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR1939
|
Appraiser License for Incorrect State
|
No
|
Missing Appraisal
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS2854: Significant time in profession
- XXX Comments: B2 has been in the same profession for XXX years
|
|
409045931
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Missing AppraisalAppraisal will be reviewed once received. Additional conditions may apply
|
4/13 client provided an approved exception to allow the file with a BPO in lieu of 1004
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS2854: Significant time in profession
- XXX Comments: B2 has been in the same profession for XXX years
|
|
409045931
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Property Valuations
|
FEMA
|
Waived
|
B
|
B
|
B
|
B
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
Missing Appraisal.
|
4/6 Client provided an approved exception XXX public XXX event
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS2854: Significant time in profession
- XXX Comments: B2 has been in the same profession for XXX years
|
|
409045932
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Provide VOR and documentation of $XXX/month for primary
|
4/7 Client provided an approved exception to allow the file without the VOR
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX years in same profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409045932
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
DTI
|
Waived
|
D
|
B
|
D
|
B
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing PITI for XXX and XXXMissing documentation that $XXX/month for XXX is escrowed and does not have an HOAProvide documentation that Borrower does not own
XXX #XXX and #XXX listed on Schedule E
|
4.11.2026 Client provided executed copy of Note for XXX supporting PI of $XXX however (a). still missing evidence of taxes, hoi and hoa, if applicable for XXX
and provided Warranty Deed, also verified taxes of $XXX for XXX and verified no open liens for XXX however (b) missing if any HOI and/or HOA for XXX and (c). missing documentation that $XXX monthly payment is escrowed and verify if any HOA,
for XXX and (d). missing documentation does no longer own: XXXX #XXX and #XXX listed on Schedule E. (Warranty Deeds provided dated year 2022 and Schedule E is for Year 2024 please further clarify if warranty are for the properties on
Schedule E). Condition remains for format a - d to be documented as requested in initial condition. 4/16/2026 Client provided copy of Mtg statement for XXX verifying PITI payment of $XXX and LOX from borrower no monthly HOA for this property
and provided first payment letter for XXX verifing PITI $XXX and verified HOA of $XXX and provided evidence 2104 XXX is Land/Lot with taxes of $XXX and LOX no monthly HOA and provided Letter from title company regarding warranty deed for lots
#XXX and #XXX (on Schedule E) stating contract had T5 and T7 which we found out that was not the actual lots #s that he was acquiring, so he deeded the incorrect lots back to XXX and received the corrected Lots #XXX and #XXX , however nothing
provided for lots #XXX and #16XXX per Title letter. Condition remains: still missing evidence of no longer owns XXX for both lots (listed on Schedule E of 1040 2024 pg 285), per initial condition (these were not listed on REO of 1003)4/22
Client asked for a review; On review condition remains for evidence of taxes/Ins for XXX lots #XXX #XXX and corrected 1003 with XXX lots #XXX #XXX added to REO4/22 client provided an approved exception to allow the file without the TI for the
lots and updated 1003
|
Upon review by XXX SR UW, the condition is deemed Non Material B grade; credit scores exceed GLs, low LTV
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX years in same profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409045932
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Coverage $XXX . $XXX required. Provide additional coverage.
|
4.11.2026 Client provided subject PUD Master Policy XXX- XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX years in same profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409045932
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing appraiser signature
|
4/6 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX years in same profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409045932
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Missing comp photos
|
4/6 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX years in same profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409045932
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Missing Subject photos
|
4/6 Client provided the complete signed appraisal with photos and all attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX years in same profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409045933
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
File is missing 2024 signed 1065s and 2025 signed 1040s. LP requires 2 years tax returns, or provide updated LP and 1003 with self-employment removed since
business tax returns are for subject property rental income only.
|
4/15 Client provided the signed 2024 1065s and an approved exception to allow the file with 1 years tax returns for Se less than 5 years existence
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has owned his primary residence for XXX years XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required by LP.
|
|
409045934
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years at primary residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required reserves of $XXX
|
|||||||||||||||
|
409045935
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Photo's of the subject property were not provided with the appraisal.
|
4/7 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, XXX Overlay requirement met.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XX is below guideline max DTI of XX.
|
|
409045935
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Signature page of the appraisal was not signed by the appraiser.
|
4/7 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, XXX Overlay requirement met.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XX is below guideline max DTI of XX.
|
|
409045935
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Photo's of the comparable sales were not provided with the appraisal.
|
4/7 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, XXX Overlay requirement met.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XX is below guideline max DTI of XX.
|
|
409045935
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA. LCA Score in file 4.0, guideline requires 2.5 and below.
|
4/9 Client provided a CDA supporting the appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, XXX Overlay requirement met.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XX is below guideline max DTI of XX.
|
|
409045936
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves per AUS are $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been self employed for XXX years.
|
|||||||||||||||
|
409045937
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure for Frisco Lender Services
|
04/14/26 Client provided the missing ABD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves per AUS are $XXX.
|
|
409045937
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Photo's of the subject property were not provided with the appraisal.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves per AUS are $XXX.
|
|
409045937
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Signature page of the appraisal was not signed by the appraiser.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves per AUS are $XXX.
|
|
409045937
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Photo's of the comparable sales were not provided with the appraisal.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves per AUS are $XXX.
|
|
409045937
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA. CU Score in file 4.5, guideline requires 2.5 and below.
|
4/10 Client provided a CDA supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves per AUS are $XXX.
|
|
409045938
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAReserve Required per LP AUS = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
|
|||||||||||||||
|
409045939
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
PDF corrupted in file, images of subject missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX > required minimum XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has 0 x 30 for XXX months
|
|
409045939
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Provide Appraiser Signature pg 6
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX > required minimum XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has 0 x 30 for XXX months
|
|
409045939
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
PDF corrupted in file, images of comp photos is missing.
|
4/8 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX > required minimum XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has 0 x 30 for XXX months
|
|
409045939
|
XXXXXX
|
XXXXXX
|
(No Data)
|
ATR/QM: Exempt
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation
|
4/13 client provided a CDA supporting the appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX > required minimum XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has 0 x 30 for XXX months
|
|
409045940
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B2 XXX years same line of work
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI
|
|
409045940
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
D
|
B
|
D
|
B
|
CRDCRMH183
|
Credit report incomplete
|
No
|
LPA findings reflect 2 scores for B1.B1 XXX CBR has XXX and XXX frozen. Provide updated CBR with unfrozen scores. May be subject to additional conditions upon
review.
|
4/8 Client provided an approved exception to allow the file with 1 frozen Cb and two scores
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B2 XXX years same line of work
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI
|
|
409045940
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide missing updated valuation. Value not yet supported. May be subject to additional conditions upon review.
|
4/13 Client provided a CDA supporting the appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B2 XXX years same line of work
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI
|
|
409045941
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC806
|
Notary Status is missing
|
No
|
Missing notary signature on Security instrument in file
|
04/13/26 Client provided the Mortgage and the separate Notary Acknowledgment form.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA, XXX Overlay requirement met.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; Fairway Overlay allows down to XXX.
|
|
409045941
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
No
|
Lender qualified using a property inspection report.
|
4/17 client provided an exception to allow the BPO in lieu of a 1004
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA, XXX Overlay requirement met.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; Fairway Overlay allows down to XXX.
|
|
Client Name:
|
||||
|
Client Project Name:
|
SEMT 2026-INV3
|
|||
|
Start - End Dates:
|
4/5/2022 - 4/8/2026
|
|||
|
Deal Loan Count:
|
194
|
|||
|
Conditions Report 2.0
|
||||
|
Loans in Report:
|
194
|
|||
|
Loans with Conditions:
|
153
|
|||
|
Loan Number
|
Lender Application Date
|
Broker Application Date
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Did Lender Acknowledge Exception at Origination
|
|
409019810
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409037626
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
No
|
|
409039035
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409039122
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409040294
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409040859
|
XXXXXX
|
XXXXXX
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409041528
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041586
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
No
|
|
409041587
|
XXXXXX
|
XXXXXX
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
No
|
|
409041588
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409041589
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409041590
|
XXXXXX
|
XXXXXX
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
No
|
|
409041591
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041592
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409041593
|
XXXXXX
|
XXXXXX
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409041594
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409041596
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041597
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041598
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041599
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409041600
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409041601
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Not Applicable
|
|
409041602
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409041603
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041604
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041605
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041606
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041607
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409041608
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409041609
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041610
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409041611
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409041612
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041613
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409041614
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041615
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409041616
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Not Applicable
|
|
409041617
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409041618
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409041619
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409041620
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041621
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041622
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041623
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041624
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041625
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409041626
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409041627
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041628
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041629
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041630
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Not Applicable
|
|
409041631
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409041745
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Not Applicable
|
|
409041749
|
XXXXXX
|
XXXXXX
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
409042343
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409042618
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
No
|
|
409042780
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409042788
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409042796
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409042894
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409043203
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045593
|
XXXXXX
|
XXXXXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
No
|
|
409045807
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
Not Applicable
|
|
409045808
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045809
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
No
|
|
409045810
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409045811
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Not Applicable
|
|
409045812
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045813
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045814
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045815
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Not Applicable
|
|
409045816
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045817
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409045818
|
XXXXXX
|
XXXXXX
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
No
|
|
409045819
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Not Applicable
|
|
409045820
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045821
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
No
|
|
409045822
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045823
|
XXXXXX
|
XXXXXX
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045824
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045825
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045826
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045827
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Not Applicable
|
|
409045828
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045829
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045830
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045831
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045832
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045833
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045834
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045835
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045836
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045837
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
No
|
|
409045838
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
No
|
|
409045839
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
No
|
|
409045840
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
No
|
|
409045841
|
XXXXXX
|
XXXXXX
|
D
|
B
|
B
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
B
|
A
|
A
|
No
|
|
409045842
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045843
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
No
|
|
409045844
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045845
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045846
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
Not Applicable
|
|
409045848
|
XXXXXX
|
XXXXXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
No
|
|
409045849
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
No
|
|
409045850
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045851
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
No
|
|
409045852
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045853
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045854
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
No
|
|
409045855
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
C
|
B
|
B
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
B
|
A
|
Not Applicable
|
|
409045856
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Not Applicable
|
|
409045857
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045858
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409045859
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045860
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045861
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Not Applicable
|
|
409045862
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045863
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045864
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409045865
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
No
|
|
409045866
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
No
|
|
409045867
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409045868
|
XXXXXX
|
XXXXXX
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
No
|
|
409045869
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045870
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045871
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045872
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045873
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Not Applicable
|
|
409045874
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045876
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045877
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045878
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045879
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045880
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
No
|
|
409045881
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045882
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045883
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
No
|
|
409045884
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045885
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045886
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045887
|
XXXXXX
|
XXXXXX
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045888
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
Not Applicable
|
|
409045889
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Not Applicable
|
|
409045890
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
No
|
|
409045891
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045892
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045893
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045895
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045896
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045897
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045898
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045899
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045900
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045901
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045902
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045903
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045904
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045905
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045906
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045907
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045908
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045909
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Not Applicable
|
|
409045910
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045911
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045912
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045913
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045914
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045915
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045916
|
XXXXXX
|
XXXXXX
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045917
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045918
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045919
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045920
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045921
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045922
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045923
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045924
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045925
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045926
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045927
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045928
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045929
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
Not Applicable
|
|
409045930
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Not Applicable
|
|
409045931
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
No
|
|
409045932
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045933
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045934
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045935
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
No
|
|
409045936
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409045937
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
Not Applicable
|
|
409045938
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045939
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
No
|
|
409045940
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409045941
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
A
|
Not Applicable
|