|
Rating Agency Grades
|
|||||
|
Run Date - 5/5/2026 11:48:52 AM
|
|||||
|
LOAN INFORMATION
|
INITIAL CREDIT LOAN GRADES
|
INITIAL COMPLIANCE LOAN GRADES
|
INITIAL PROPERTY LOAN GRADES
|
INITIAL OVERALL LOAN GRADES
|
FINAL CREDIT LOAN GRADES
|
FINAL COMPLIANCE LOAN GRADES
|
FINAL PROPERTY LOAN GRADES
|
FINAL OVERALL LOAN GRADES
|
|||||||||||||||||||||||||||||||||||||||||||||
|
AMC Loan ID
|
Customer Loan ID
|
Seller Loan ID
|
Investor Loan Number
|
Deal Number
|
Original Loan Amount
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
C
|
C
|
C
|
C
|
C
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
|||||||||
|
xxxx
|
2
|
xxxx
|
xxxx
|
xxxx
|
C
|
C
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
|||||||||
|
xxxx
|
3
|
xxxx
|
xxxx
|
xxxx
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
Exception Grades
|
||||
|
Run Date - 5/6/2026 11:57:58 AM
|
||||
|
SitusAMC Loan ID
|
Customer Loan ID
|
Seller Loan ID
|
Investor Loan Number
|
Loan Exception ID
|
Exception ID
|
Exception Date
|
Exception Type
|
Exception Category
|
Exception Subcategory
|
15E Category
|
Exception
|
Exception Detail
|
Exception Information
|
Compensating Factors
|
Compensating Factor Information
|
Applying Party
|
Follow-up Comments
|
Cleared Date
|
Cured Date
|
Waived Date
|
Exception Level Grade
|
DBRS Initial Exception Rating
|
DBRS Final Exception Rating
|
Fitch Initial Exception Rating
|
Fitch Final Exception Rating
|
Kroll Initial Exception Rating
|
Kroll Final Exception Rating
|
Moody's Initial Exception Rating
|
Moody's Final Exception Rating
|
S&P Initial Exception Rating
|
S&P Final Exception Rating
|
Note Date
|
Property State
|
Occupancy
|
Purpose
|
Exception Remediation
|
Overall
Initial Loan Grade |
Overall
Final Loan Grade |
Credit
Initial Loan Grade |
Credit
Final Loan Grade |
Compliance
Initial Loan Grade |
Compliance
Final Loan Grade |
Property
Initial Loan Grade |
Property
Final Loan Grade |
Originator QM ATR Status
|
TPR QM ATR Status
|
Is Curable
|
|
xxxx
|
1
|
xxxx
|
|
xxxx
|
|
|
Compliance
|
Loan Package Documentation
|
Loan File
|
Incomplete File
|
(Missing Doc) Incomplete loan images/file
|
|
The file is missing [redacted] or more of the core documents required for a review. Please provide a [redacted], [redacted], [redacted], an
[redacted], [redacted]or [redacted], income [redacted], [redacted][redacted] , an [redacted][redacted][redacted], [redacted][redacted], and all issued [redacted]and [redacted].
|
|
|
|
Reviewer Comment (2025-01-06): Additional documents provided.
Seller Comment (2024-12-26): Refute - Documents loaded to Box in Folder: "Exception Support: Incomplete Loan Images or File" |
01/06/2025
|
|
|
1
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
|
MO
|
Primary
|
Refinance - Cash-out - Other
|
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
Temporary SHQM (GSE/Agency Eligible)
|
Temporary SHQM (GSE/Agency Eligible)
|
No
|
|
xxxx
|
1
|
xxxx
|
|
xxxx
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
|
Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to
consummation.
|
No evidence that [redacted]received a copy of [redacted][redacted]business days to closing.
|
|
|
|
Reviewer Comment (2025-03-04): Client elected to waive
|
|
|
03/04/2025
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
MO
|
Primary
|
Refinance - Cash-out - Other
|
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
Temporary SHQM (GSE/Agency Eligible)
|
Temporary SHQM (GSE/Agency Eligible)
|
No
|
|
xxxx
|
1
|
xxxx
|
|
xxxx
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
[redacted] [redacted] Percent Tolerance Violation Without Sufficient Cure Provided
|
[redacted] Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Lender's [redacted]. Fee Amount of $[redacted]exceeds
tolerance of $[redacted]. Insufficient or no cure was provided to the borrower.
|
Fee disclosed was last disclosed as $[redacted] on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid
[redacted]for this fee, nor evidence of cure in file.
|
|
|
|
Reviewer Comment (2025-03-04): Client elected to waive
|
|
|
03/04/2025
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
MO
|
Primary
|
Refinance - Cash-out - Other
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
Temporary SHQM (GSE/Agency Eligible)
|
Temporary SHQM (GSE/Agency Eligible)
|
No
|
|
xxxx
|
1
|
xxxx
|
|
xxxx
|
|
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Loan Package Documentation
|
[redacted] Issue: The most recent valuation inspection is dated prior to the most recent [redacted].
|
Most Recent Valuation Inspection Date: ___
Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___ |
The subject property is located in a [redacted]disaster area. A post disaster inspection verifying there was no damage to the subject property is
required.
|
|
|
|
Reviewer Comment (2025-01-17): [redacted] extract provided with current inspection dates showing no damage.
|
01/17/2025
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
MO
|
Primary
|
Refinance - Cash-out - Other
|
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
Temporary SHQM (GSE/Agency Eligible)
|
Temporary SHQM (GSE/Agency Eligible)
|
No
|
|
xxxx
|
2
|
xxxx
|
xxxx
|
xxxx
|
|
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
|
|
|
|
|
Buyer Comment (2026-01-08): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-01-06): (Rate Lock) [redacted] |
01/08/2026
|
|
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
CA
|
Investment
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Exempt from ATR
|
Exempt from ATR
|
No
|
|
xxxx
|
2
|
xxxx
|
xxxx
|
xxxx
|
|
|
Credit
|
Income / Employment
|
Income Documentation
|
Missing Document
|
REO Documents are missing.
|
-
|
The file is missing a copy of Tax verification and Insurance verification
|
|
|
|
Reviewer Comment (2025-12-22): Proof of PITIA for the primary residence provided
Seller Comment (2025-12-22): (Rate Lock) REO documentation |
12/22/2025
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
CA
|
Investment
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Exempt from ATR
|
Exempt from ATR
|
No
|
|
xxxx
|
2
|
xxxx
|
xxxx
|
xxxx
|
|
|
Credit
|
Title
|
Document Error
|
Title
|
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to
determine if appropriate coverage is provided.
|
|
The preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount(no final title policy in file). Unable to
determine if appropriate coverage is provided
|
|
|
|
|
|
|
12/19/2025
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
CA
|
Investment
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Exempt from ATR
|
Exempt from ATR
|
No
|
|
xxxx
|
2
|
xxxx
|
xxxx
|
xxxx
|
|
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Loan Package Documentation
|
Missing Document: Mortgage Loan Payoff Statement not provided
|
|
The file is missing a copy of Mortgage Loan Payoff Statement
|
|
|
|
Reviewer Comment (2025-12-22): Mortgage payoff statement provided
Seller Comment (2025-12-22): (Rate Lock) Payoff Statements |
12/22/2025
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
CA
|
Investment
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Exempt from ATR
|
Exempt from ATR
|
No
|
|
xxxx
|
2
|
xxxx
|
xxxx
|
xxxx
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
|
ECOA Valuations Rule [redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.
|
Verification appraisal was delivered to borrower was not provided.
|
|
|
|
|
|
|
12/19/2025
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
CA
|
Investment
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Exempt from ATR
|
Exempt from ATR
|
No
|
|
xxxx
|
2
|
xxxx
|
xxxx
|
xxxx
|
|
|
Credit
|
Credit
|
AUS Discrepancy / Guidelines Discrepancy
|
Guideline
|
Guideline Requirement: Investor qualifying total debt ratio discrepancy.
|
|
Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%.
|
|
|
|
Reviewer Comment (2025-12-30): Received lease agreement. Exception Cleared.
Seller Comment (2025-12-30): (Rate Lock) Lease Agreement Reviewer Comment (2025-12-30): Please provide Lease Agreement to support monthly gross rent of $ [redacted]. Seller Comment (2025-12-29): (Rate Lock) Documentation Reviewer Comment (2025-12-22): Updated comment: the difference in the DTI is due to the lender did not calculate any rental loss for the subject for the subject. Based on the form [redacted]/Market rent, there is a loss of $ [redacted] included in the total liabilities. Reviewer Comment (2025-12-22): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. |
12/30/2025
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
CA
|
Investment
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Exempt from ATR
|
Exempt from ATR
|
No
|
|
xxxx
|
3
|
xxxx
|
xxxx
|
xxxx
|
|
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
|
|
|
|
|
Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [redacted]
Seller Comment (2025-12-12): (Rate Lock) Delivered [redacted] via [redacted] |
12/15/2025
|
|
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
VA
|
Investment
|
Refinance - Rate/Term
|
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Exempt from ATR
|
Exempt from ATR
|
No
|
|
xxxx
|
3
|
xxxx
|
xxxx
|
xxxx
|
|
|
Credit
|
Hazard Insurance
|
Insufficient Coverage
|
Hazard Insurance
|
Insufficient Coverage: Hazard insurance coverage amount is insufficient.
|
|
HOI coverage is insufficient by $ [redacted]. Provide updated policy reflecting minimum coverage of $ [redacted] OR provide copy of insurer's
replacement cost estimate supporting current coverage amount.
|
|
|
|
Reviewer Comment (2026-01-30): RCE received
Seller Comment (2026-01-29): (Rate Lock) Updated appraisal with the cost approach and SSR's Seller Comment (2026-01-28): (Rate Lock) RCE Reviewer Comment (2025-12-15): Provided policy already present in file. The GSE method was used to determine the coverage requirement. Since the appraisal did not provide the Total Estimate of Cost New, [redacted]% of the appraised value is the insured value and coverage of at least $ [redacted] is required. The insurance is insufficient by $ [redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Exception Remains. Seller Comment (2025-12-12): (Rate Lock) Hazard Insurance Info |
01/30/2026
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
VA
|
Investment
|
Refinance - Rate/Term
|
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Exempt from ATR
|
Exempt from ATR
|
No
|
|
Valuation Report
|
|||||
|
Run Date - 5/6/2026 11:57:58 AM
|
|||||
|
SitusAMC Loan ID
|
Customer Loan ID
|
Seller Loan ID
|
Investor Loan Number
|
Note Date
|
Original Loan Amount
|
Sales Price
|
Value for LTV
|
As-Is Value for LTV
|
LTV Value Variance Amount
|
LTV Value Variance Percent
|
Primary Valuation Value
|
Primary Valuation Report Date
|
Primary Valuation Effective Date
|
Primary Valuation Type
|
Primary Valuation Company
|
Primary Valuation Appraiser Name
|
Primary Valuation Appraiser License Num
|
Primary Valuation FSD Score
|
Secondary Valuation Value
|
Secondary Valuation Variance Amount
|
Secondary Valuation Variance Percent
|
Secondary Valuation Report Date
|
Secondary Valuation Effective Date
|
Secondary Valuation Type
|
Secondary Valuation Company
|
Secondary Valuation FSD Score
|
Secondary Valuation Desk Review Risk Score
|
AVM Value
|
AVM Variance Amount
|
AVM Variance Percent
|
AVM Company
|
AVM FSD Score
|
AVM Report Date
|
Desk Review Value
|
Desk Review Variance Amount
|
Desk Review Variance Percent
|
Desk Review Company
|
Desk Review Risk Score
|
Desk Review Report Date
|
Desk Review Effective Date
|
Desktop Appraisal Value
|
Desktop Appraisal Variance Amount
|
Desktop Appraisal Variance Percent
|
Desktop Appraisal Company
|
Desktop Appraisal Report Date
|
Desktop Appraisal Effective Date
|
BPO Value
|
BPO Variance Amount
|
BPO Variance Percent
|
BPO Company
|
BPO Report Date
|
Field Review Value
|
Field Review Variance Amount
|
Field Review Variance Percent
|
Field Review Company
|
Field Review Report Date
|
Field Review Effective Date
|
2055 Value
|
2055 Variance Amount
|
2055 Variance Percent
|
2055 Company
|
2055 Report Date
|
2055 Effective Date
|
AVE/CMA Value
|
AVE/CMA Variance Amount
|
AVE/CMA Variance Percent
|
AVE/CMA Company
|
AVE/CMA Report Date
|
Hybrid Valuation Value
|
Hybrid Valuation Variance Amount
|
Hybrid Valuation Variance Percent
|
Hybrid Valuation Company
|
Hybrid Valuation Report Date
|
Updated Valuation Value
|
Updated Valuation Variance Amount
|
Updated Valuation Variance Percent
|
Updated Valuation Company
|
Updated Valuation Report Date
|
Updated Valuation Effective Date
|
Aggregate Appraised Value
|
Aggregate Variance Amount
|
Aggregate Variance Percent
|
Value Analysis Valuation Value
|
Value Analysis Report Date
|
Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?
|
LCA Risk Score
|
Collateral Underwriter Risk Score
|
|
xxxx
|
1
|
xxxx
|
0.000%
|
Appraisal
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
2
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
1.80
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
3
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.00
|
|
Supplemental Data
|
||||
|
Run Date - 5/5/2026 11:48:52 AM
|
||||
|
SitusAMC Loan ID
|
Customer Loan ID
|
Seller Loan ID
|
Investor Loan Number
|
TILA Status Loan Designation
|
Exempt QM/ATR Equivalency
|
CDFI Bank Originated Loan
|
Application Date
|
TRID Tested
|
GSE
|
HOEPA Fees
|
TILA Fees
|
Rate Lock Date
|
Calculated APR
|
Original P&I
|
Qualifying P&I
|
Qualifying Rate
|
Is Borrower Non Occupant
|
Is Co Borrower Non Occupant
|
Borrower Employment Indicator
|
Co Borrower Employment Indicator
|
Co Borrower 2 Employment Indicator
|
Co Borrower 3 Employment Indicator
|
Co Borrower2 Length of Employment
|
Co Borrower3 Length of Employment
|
Borrower Foreign National Indicator
|
Co Borrower Foreign National Indicator
|
Co Borrower 2 Foreign National Indicator
|
Co Borrower 3 Foreign National Indicator
|
Borrower Country Name
|
Co Borrower Country Name
|
Co Borrower2 Country Name
|
Co Borrower3 Country Name
|
Residual Income
|
Num Units
|
Annual Property Tax
|
Annual Insurance Costs
|
Monthly Property Tax
|
Monthly Insurance Costs
|
HOA Name
|
HOA Address State
|
Fee Amount
|
Next Due Date
|
HOA Payment Frequency
|
Investor DTI
|
QM DTI
|
Non QM DTI
|
Original Credit Report Date
|
Qualifying Credit Score
|
Third Wage Earner Original FICO Equifax
|
Third Wage Earner Original FICO Experian
|
Third Wage Earner Original FICO Transunion
|
Fourth Wage Earner Original FICO Equifax
|
Fourth Wage Earner Original FICO Experian
|
Fourth Wage Earner Original FICO Transunion
|
Most Recent Updated Credit Report Date
|
Primary Wage Earner Updated FICO Equifax
|
Primary Wage Earner Updated FICO Experian
|
Primary Wage Earner Updated FICO Transunion
|
Secondary Wage Earner Updated FICO Equifax
|
Secondary Wage Earner Updated FICO Experian
|
Secondary Wage Earner Updated FICO Transunion
|
Third Wage Earner Updated FICO Equifax
|
Third Wage Earner Updated FICO Experian
|
Third Wage Earner Updated FICO Transunion
|
Fourth Wage Earner Updated FICO Equifax
|
Fourth Wage Earner Updated FICO Experian
|
Fourth Wage Earner Updated FICO Transunion
|
Most Recent Updated Co Borrower 2 FICO
|
Most Recent Updated Co Borrower 3 FICO
|
Co Borrower 2 Asset Verification Level
|
Co Borrower 3 Asset Verification Level
|
Co Borrower 2 Income Verification Level
|
Co Borrower 3 Income Verification Level
|
Co Borrower 2 Employment Verification Level
|
Co Borrower 3 Employment Verification Level
|
Asset Depletion Flag
|
Bank Statements Flag
|
Number of Statements
|
Type of Statements
|
Percent of Income From Statements
|
Borrower Business Ownership %
|
CoBorrower Business Ownership %
|
P&L Type
|
Income Doc Detail
|
Tax Return Doc Details
|
Document Level
|
Document Type
|
Most Recent Bankruptcy Type
|
Most Recent Bankruptcy Filing Date
|
Most Recent Bankruptcy Discharge Date
|
Number of Bankruptcy Events
|
Months Bankruptcy (7, 11)
|
Months Bankruptcy (13)
|
Most Recent Deed-in -Lieu Date
|
Number of Deed-in-Lieu Events
|
Months Deed-in-Lieu
|
Most Recent Short Sale Date
|
Number of Short Sale Events
|
Months Short Sale (or Pre FC)
|
Most Recent Foreclosure Date
|
Number of Foreclosure Events
|
Months Foreclosure
|
Prior Mortgage/Rent Late 30d in 24m
|
Prior Mortgage/Rent Late 60d in 24m
|
Prior Mortgage/Rent Late 90d in 24m
|
Has ACH
|
Guideline Name
|
UW Guideline Author
|
ATR QM Total Points and Fees Audit
|
Loan Regulation Benchmark Date
|
Benchmark Rate
|
HUD 1 Page 1 Credits Total
|
Collateral Underwriter Risk Score
|
AUS Decision System
|
Property Inspection Waiver (PIW)
|
Rating Result
|
Eligible For Rep and Warrant Relief Per Collateral Advisor
|
Is Equity Shared Loan
|
Investor Qualifying Rate
|
Borrower Years of W2s
|
CoBorrower Years of W2s
|
Years of Personal Tax Returns
|
Years of Business Tax Returns
|
Years of 4506T
|
Years of Tax Transcripts
|
Months of Personal Bank Statements
|
Months of Business Bank Statements
|
Months of Profit and Loss Statements
|
Expense Letter
|
Total DSCR
|
Total Inverse DSCR
|
Subordinate Lien Type
|
Is Shared Appreciation Mortgage
|
Duration of Payout Months
|
Seller VSH Indicator
|
Seller Indicated VSH Guideline
|
Validated VSH
|
IO Remaining Amortization Term at Recast
|
Maturity Date
|
Borrower Own Funds Cash Amount
|
Borrower Own Funds Percent
|
Is the Note an eNote
|
Borrower WVOE - # of Months of Income provided
|
Co Borrower WVOE - # of Months of Income provided
|
Co Borrower2 WVOE - # of Months of Income provided
|
Co Borrower3 WVOE - # of Months of Income provided
|
Were the origination guidelines utilized for this diligence review?
|
Title Evidence
|
Ownership Type
|
Borrower Type
|
Borrower Designation
|
Co Borrower Type
|
Co Borrower Designation
|
Co Borrower2 Type
|
Co Borrower2 Designation
|
Co Borrower3 Type
|
Co Borrower3 Designation
|
Senior Lien Position
|
Senior Lien Original Loan Amount
|
Senior Lien Original Interest Rate
|
Senior Lien Note Projected Closing Date
|
Senior Lien Current Balance
|
Senior Lien Current P&I
|
Loan Closed in the Name of an Entity
|
Note Executed by
|
Assumable Mortgage Flag
|
Leasehold Flag
|
Buydown Flag
|
Borrower Experian FICO Model Used
|
Borrower Equifax FICO Model Used
|
Borrower TransUnion FICO Model Used
|
Co Borrower Experian FICO Model Used
|
Co Borrower Equifax FICO Model Used
|
Co Borrower TransUnion FICO Model Used
|
Co Borrower2 Experian FICO Model Used
|
Co Borrower2 Equifax FICO Model Used
|
Co Borrower2 TransUnion FICO Model Used
|
Co Borrower3 Experian FICO Model Used
|
Co Borrower3 Equifax FICO Model Used
|
Co Borrower3 TransUnion FICO Model Used
|
Borrower Documentation Used to Determine Legal Residency
|
Co Borrower Documentation Used to Determine Legal Residency
|
Co Borrower2 Documentation Used to Determine Legal Residency
|
Co Borrower3 Documentation Used to Determine Legal Residency
|
Delayed Financing?
|
Months Reserves
|
Correspondent Type
|
Departure Residence
|
Rate Increase on Default
|
Default Interest Rate
|
Default Interest Accrual Start Days
|
MERS Min Number
|
Co Borrower Other Income
|
Co Borrower Wage Income
|
Primary Housing Lates 0 6 Months 30
|
Primary Housing Lates 0 6 Months 60
|
Primary Housing Lates 0 6 Months 90
|
Primary Housing Lates 7 12 Months 30
|
Primary Housing Lates 7 12 Months 60
|
Primary Housing Lates 7 12 Months 90
|
Primary Housing Lates 13 24 Months 30
|
Primary Housing Lates 13 24 Months 60
|
Primary Housing Lates 13 24 Months 90
|
Primary Housing Lates 25 36 Months 30
|
Primary Housing Lates 25 36 Months 60
|
Primary Housing Lates 25 36 Months 90
|
Borrower 1 ITIN Flag
|
Borrower 2 ITIN Flag
|
Borrower 3 ITIN Flag
|
Borrower 4 ITIN Flag
|
Total Number of Mortgaged Properties
|
Amortization Term Less IO
|
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
Yes
|
Yes
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
8
|
[Borrower]; 4506-C - [redacted]
[Borrower]; 4506-C - [redacted]
[Borrower]; 4506-C - [redacted]
[Borrower]; 4506-C - [redacted]
[Coborrower]; 4506-C - [redacted]
[Coborrower]; 4506-C - [redacted]
[Coborrower]; 4506-C - [redacted]
[Coborrower]; 4506-C - [redacted]
[Coborrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
2yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveEligible
|
No
|
No
|
xxxx
|
1
|
0
|
0
|
0
|
4
|
0
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
12
|
Yes
|
Short Form
|
Fee Simple
|
Individual
|
Individual
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
Fair Isaac (VER. 2)
|
Beacon 5.0
|
FICO Risk Score Classic 04
|
Fair Isaac (VER. 2)
|
Beacon 5.0
|
FICO Risk Score Classic 04
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
2
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - [redacted] | Primary Income - Wages]; Paystubs - [redacted]
[Borrower - [redacted] | Primary Income - Wages]; The Work Number - Employment Only - [redacted]
[Borrower - [redacted] | Primary Income - Wages]; The Work Number - Income - [redacted]
[Borrower - [redacted] | Primary Income - Wages]; Paystubs - [redacted]
[Borrower - [redacted] | Primary Income - Wages]; W-2 - [redacted]
[Borrower - [redacted] | Primary Income - Wages]; W-2 Transcript - [redacted]
[Borrower - [redacted] | Primary Income - Wages]; Paystubs - [redacted]
[Borrower - [redacted] | Primary Income - Wages]; W-2 - [redacted]
[Borrower - [redacted] | Primary Income - Wages]; W-2 Transcript - [redacted]
[Coborrower(s) - [redacted] | Primary Income - Wages]; Paystubs - [redacted]
[Coborrower(s) - [redacted] | Primary Income - Wages]; The Work Number - Employment Only - [redacted]
[Coborrower(s) - [redacted] | Primary Income - Wages]; The Work Number - Income - [redacted]
[Coborrower(s) - [redacted] | Primary Income - Wages]; Paystubs - [redacted]
[Coborrower(s) - [redacted] | Primary Income - Wages]; W-2 - [redacted]
[Coborrower(s) - [redacted] | Primary Income - Wages]; W-2 Transcript - [redacted]
[Coborrower(s) - [redacted] | Primary Income - Wages]; W-2 - [redacted]
[Coborrower(s) - [redacted] | Primary Income - Wages]; W-2 Transcript - [redacted]
|
[Borrower]; 4506-C - [redacted]
[Borrower]; 4506-C - [redacted]
[Borrower]; 4506-C - [redacted]
[Borrower]; 4506-C - [redacted]
[Borrower]; 4506-C - [redacted]
[Borrower]; 4506-C - [redacted]
|
Full Documentation (F)
|
2yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1.8
|
DU
|
ApproveEligible
|
N/A
|
No
|
xxxx
|
2
|
2
|
0
|
0
|
3
|
0
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
34
|
34
|
Yes
|
Preliminary
|
Fee Simple
|
Individual
|
Individual
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
No
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
2
|
360
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
3
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
Borrower Prepared
|
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; Balance Sheet - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; P&L Statement - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; Third Party Verification - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; Third Party Verification - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; Third Party Verification - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; 1120S - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; K-1 - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; 1120S - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - [redacted]
[Borrower - [redacted] | Primary Income - S-Corp (>= 25%)]; K-1 - [redacted]
[Coborrower(s) - [redacted] | Primary Income - Wages]; Paystubs - [redacted]
[Coborrower(s) - [redacted] | Primary Income - Wages]; The Work Number - Employment Only - [redacted]
[Coborrower(s) - [redacted] | Primary Income - Wages]; The Work Number - Income - [redacted]
[Coborrower(s) - [redacted] | Primary Income - Wages]; W-2 - [redacted]
[Coborrower(s) - [redacted] | Primary Income - Wages]; W-2 - [redacted]
|
[Borrower]; 1040 - [redacted]
[Borrower]; 4506-C - [redacted]
[Borrower]; 4506-C - [redacted]
[Borrower]; Transcripts (1040) - [redacted]
[Borrower]; 1040 - [redacted]
[Borrower]; 4506-C - [redacted]
[Borrower]; 4506-C - [redacted]
[Borrower]; Transcripts (1040) - [redacted]
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 1040 - [redacted]
[Coborrower]; 4506-C - [redacted]
[Coborrower]; 4506-C - [redacted]
[Coborrower]; Transcripts (1040) - [redacted]
[Coborrower]; 1040 - [redacted]
[Coborrower]; 4506-C - [redacted]
[Coborrower]; 4506-C - [redacted]
[Coborrower]; Transcripts (1040) - [redacted]
[Coborrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
2yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1.0
|
DU
|
ApproveIneligible
|
N/A
|
No
|
xxxx
|
0
|
2
|
2
|
0
|
2
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
32
|
Yes
|
Commitment
|
Fee Simple
|
Individual
|
Individual
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
FICO II
|
Beacon 5.0
|
FICO Risk Score Classic 04
|
FICO II
|
Beacon 5.0
|
FICO Risk Score Classic 04
|
Yes
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
6
|
360
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
ASF Addendum - Business Purpose
|
||||
|
Run Date - 5/6/2026 11:58:02 AM
|
||||
|
SitusAMC Loan ID
|
Customer Loan ID
|
Seller Loan ID
|
Investor Loan Number
|
Seller Name
|
Originator Name
|
Guideline Author
|
Loan Program
|
Loan Program Date
|
Executed NOO Docs in File
|
Lease In Place Flag
|
Rental Purpose
|
Actual In Place Rent
|
Third Party Market Rent Estimate
|
Third Party Rent Source
|
Rental Income Used for Property DSCR Calculation
|
Rental Source for Property DTI Calculation
|
Calculated Monthly Debt
|
Property DTI
|
Investor DTI
|
Inverse DSCR
|
Net Operating Income
|
Total Debt Service
|
DSCR
|
Total DSCR
|
PITIA
|
Lease End Date
|
Original Lease Term
|
Lease in Place Flag Unit 1
|
Lease Start Date Unit 1
|
Lease End Date Unit 1
|
Original Lease Term Unit 1
|
Rental Purpose Unit 1
|
Actual In Place Rent Unit 1
|
Third Party Market Rent Estimate Unit 1
|
Lease in Place Flag Unit 2
|
Lease Start Date Unit 2
|
Lease End Date Unit 2
|
Original Lease Term Unit 2
|
Rental Purpose Unit 2
|
Actual In Place Rent Unit 2
|
Third Party Market Rent Estimate Unit 2
|
Lease in Place Flag Unit 3
|
Lease Start Date Unit 3
|
Lease End Date Unit 3
|
Original Lease Term Unit 3
|
Rental Purpose Unit 3
|
Actual In Place Rent Unit 3
|
Third Party Market Rent Estimate Unit 3
|
Lease in Place Flag Unit 4
|
Lease Start Date Unit 4
|
Lease End Date Unit 4
|
Original Lease Term Unit 4
|
Rental Purpose Unit 4
|
Actual In Place Rent Unit 4
|
Third Party Market Rent Estimate Unit 4
|
Lease in Place Flag Unit 5
|
Lease Start Date Unit 5
|
Lease End Date Unit 5
|
Original Lease Term Unit 5
|
Rental Purpose Unit 5
|
Actual In Place Rent Unit 5
|
Third Party Market Rent Estimate Unit 5
|
Lease in Place Flag Unit 6
|
Lease Start Date Unit 6
|
Lease End Date Unit 6
|
Original Lease Term Unit 6
|
Rental Purpose Unit 6
|
Actual In Place Rent Unit 6
|
Third Party Market Rent Estimate Unit 6
|
Lease in Place Flag Unit 7
|
Lease Start Date Unit 7
|
Lease End Date Unit 7
|
Original Lease Term Unit 7
|
Rental Purpose Unit 7
|
Actual In Place Rent Unit 7
|
Third Party Market Rent Estimate Unit 7
|
Lease in Place Flag Unit 8
|
Lease Start Date Unit 8
|
Lease End Date Unit 8
|
Original Lease Term Unit 8
|
Rental Purpose Unit 8
|
Actual In Place Rent Unit 8
|
Third Party Market Rent Estimate Unit 8
|
Lease in Place Flag Unit 9
|
Lease Start Date Unit 9
|
Lease End Date Unit 9
|
Original Lease Term Unit 9
|
Rental Purpose Unit 9
|
Actual In Place Rent Unit 9
|
Third Party Market Rent Estimate Unit 9
|
Lease in Place Flag Unit 10
|
Lease Start Date Unit 10
|
Lease End Date Unit 10
|
Original Lease Term Unit 10
|
Rental Purpose Unit 10
|
Actual In Place Rent Unit 10
|
Third Party Market Rent Estimate Unit 10
|
Rent Loss Insurance
|
Rent Loss Insurance Amount
|
HOA Flag
|
HOA Monthly Premium Amount
|
Monthly Property Tax
|
Monthly Insurance Cost
|
Asset Verification
|
Blanket Mortgage Flag
|
Number of Mortgaged Properties With Lender
|
Number of Properties
|
Foreign National Alternative Credit Documentation
|
Foreign National Borrower 1
|
Foreign National Borrower 2
|
Investor Type
|
Number of Years Property Owned
|
Borrower Residency Status
|
Co Borrower Residency Status
|
Qualifying Credit Score
|
Months Bankruptcy 7 11
|
Months Bankruptcy 13
|
Months Deed in Lieu
|
Months Short Sale or Pre FC
|
Prior Mtg Rent Late 30d in 12m
|
Prior Mtg Rent Late 60d in 12m
|
Prior Mtg Rent Late 90d in 12m
|
Prior Mtg Rent Late 30d in 24m
|
Prior Mtg Rent Late 60d in 24m
|
Prior Mtg Rent Late 90d in 24m
|
Section 8
|
Street Address
|
Borrower 1 Type
|
Borrower 1 Designation
|
Borrower 1 Employment Status
|
Borrower 1 First Name
|
Borrower 1 Last Name
|
Borrower 1 Number of Mortgaged Properties
|
Borrower 1 Citizenship
|
Borrower 1 Documentation Used to Determine Legal Residency
|
Borrower 1 Country Name
|
Borrower 1 Asset Verification Level
|
Borrower 1 Credit Order Date
|
Borrower 1 Experian FICO
|
Borrower 1 Experian FICO Model Used
|
Borrower 1 Equifax FICO
|
Borrower 1 Equifax FICO Model Used
|
Borrower 1 TransUnion FICO
|
Borrower 1 TransUnion FICO Model Used
|
Borrower 2 Type
|
Borrower 2 Designation
|
Borrower 2 Employment Status
|
Borrower 2 First Name
|
Borrower 2 Last Name
|
Borrower 2 Number of Mortgaged Properties
|
Borrower 2 Citizenship
|
Borrower 2 Documentation Used to Determine Legal Residency
|
Borrower 2 Country Name
|
Borrower 2 Asset Verification Level
|
Borrower 2 Credit Order Date
|
Borrower 2 Experian FICO
|
Borrower 2 Experian FICO Model Used
|
Borrower 2 Equifax FICO
|
Borrower 2 Equifax FICO Model Used
|
Borrower 2 TransUnion FICO
|
Borrower 2 TransUnion FICO Model Used
|
Borrower 3 Designation
|
Borrower 3 First Name
|
Borrower 3 Last Name
|
Borrower 3 Number of Mortgaged Properties
|
Borrower 3 Citizenship
|
Borrower 3 Documentation Used to Determine Legal Residency
|
Borrower 3 Country Name
|
Borrower 3 Asset Verification Level
|
Borrower 3 Credit Order Date
|
Borrower 3 Experian FICO
|
Borrower 3 Experian FICO Model Used
|
Borrower 3 Equifax FICO
|
Borrower 3 Equifax FICO Model Used
|
Borrower 3 TransUnion FICO
|
Borrower 3 TransUnion FICO Model Used
|
Borrower 4 Designation
|
Borrower 4 First Name
|
Borrower 4 Last Name
|
Borrower 4 Number of Mortgaged Properties
|
Borrower 4 Citizenship
|
Borrower 4 Documentation Used to Determine Legal Residency
|
Borrower 4 Country Name
|
Borrower 4 Asset Verification Level
|
Borrower 4 Credit Order Date
|
Borrower 4 Experian FICO
|
Borrower 4 Experian FICO Model Used
|
Borrower 4 Equifax FICO
|
Borrower 4 Equifax FICO Model Used
|
Borrower 4 TransUnion FICO
|
Borrower 4 TransUnion FICO Model Used
|
Personal Guarantee
|
Guarantor 1 First Name
|
Guarantor 1 Last Name
|
Guarantor 1 Business Ownership Percent
|
Guarantor 1 Recourse Type
|
Guarantor 1 Number of Mortgaged Properties
|
Guarantor 1 Citizenship
|
Guarantor 1 Documentation Used to Determine Legal Residency
|
Guarantor 1 Country Name
|
Guarantor 1 Asset Verification Level
|
Guarantor 1 Employment Verification Level
|
Guarantor 1 Income Verification Level
|
Guarantor 1 FICO Model Used
|
Guarantor 1 Credit Order Date
|
Guarantor 1 Experian FICO
|
Guarantor 1 Experian FICO Model Used
|
Guarantor 1 Equifax FICO
|
Guarantor 1 Equifax FICO Model Used
|
Guarantor 1 TransUnion FICO
|
Guarantor 1 TransUnion FICO Model Used
|
Guarantor 1 Most Recent Fico Method
|
Guarantor 2 First Name
|
Guarantor 2 Last Name
|
Guarantor 2 Business Ownership Percent
|
Guarantor 2 Recourse Type
|
Guarantor 2 Number of Mortgaged Properties
|
Guarantor 2 Citizenship
|
Guarantor 2 Documentation Used to Determine Legal Residency
|
Guarantor 2 Country Name
|
Guarantor 2 Asset Verification Level
|
Guarantor 2 Employment Verification Level
|
Guarantor 2 Income Verification Level
|
Guarantor 2 FICO Model Used
|
Guarantor 2 Credit Order Date
|
Guarantor 2 Experian FICO
|
Guarantor 2 Experian FICO Model Used
|
Guarantor 2 Equifax FICO
|
Guarantor 2 Equifax FICO Model Used
|
Guarantor 2 TransUnion FICO
|
Guarantor 2 TransUnion FICO Model Used
|
Guarantor 2 Most Recent Fico Method
|
Guarantor 3 First Name
|
Guarantor 3 Last Name
|
Guarantor 3 Business Ownership Percent
|
Guarantor 3 Recourse Type
|
Guarantor 3 Number of Mortgaged Properties
|
Guarantor 3 Citizenship
|
Guarantor 3 Documentation Used to Determine Legal Residency
|
Guarantor 3 Country Name
|
Guarantor 3 Asset Verification Level
|
Guarantor 3 Employment Verification Level
|
Guarantor 3 Income Verification Level
|
Guarantor 3 FICO Model Used
|
Guarantor 3 Credit Order Date
|
Guarantor 3 Experian FICO
|
Guarantor 3 Experian FICO Model Used
|
Guarantor 3 Equifax FICO
|
Guarantor 3 Equifax FICO Model Used
|
Guarantor 3 TransUnion FICO
|
Guarantor 3 TransUnion FICO Model Used
|
Guarantor 3 Most Recent Fico Method
|
Guarantor 4 First Name
|
Guarantor 4 Last Name
|
Guarantor 4 Business Ownership Percent
|
Guarantor 4 Recourse Type
|
Guarantor 4 Number of Mortgaged Properties
|
Guarantor 4 Citizenship
|
Guarantor 4 Documentation Used to Determine Legal Residency
|
Guarantor 4 Country Name
|
Guarantor 4 Asset Verification Level
|
Guarantor 4 Employment Verification Level
|
Guarantor 4 Income Verification Level
|
Guarantor 4 FICO Model Used
|
Guarantor 4 Credit Order Date
|
Guarantor 4 Experian FICO
|
Guarantor 4 Experian FICO Model Used
|
Guarantor 4 Equifax FICO
|
Guarantor 4 Equifax FICO Model Used
|
Guarantor 4 TransUnion FICO
|
Guarantor 4 TransUnion FICO Model Used
|
Guarantor 4 Most Recent Fico Method
|
Authorized Signor 1 First Name
|
Authorized Signor 1 Last Name
|
Authorized Signor 2 First Name
|
Authorized Signor 2 Last Name
|
Member 1 First Name
|
Member 1 Last Name
|
Member 1 Documentation Used to Determine Legal Residency
|
Member 1 Credit Order Date
|
Member 1 Experian FICO
|
Member 1 Experian FICO Model Used
|
Member 1 Equifax FICO
|
Member 1 Equifax FICO Model Used
|
Member 1 TransUnion FICO
|
Member 1 TransUnion FICO Model Used
|
Member 1 Asset Verification Level
|
Member 1 Employment Verification Level
|
Member 1 Income Verification Level
|
Member 2 First Name
|
Member 2 Last Name
|
Member 2 Documentation Used to Determine Legal Residency
|
Member 2 Credit Order Date
|
Member 2 Experian FICO
|
Member 2 Experian FICO Model Used
|
Member 2 Equifax FICO
|
Member 2 Equifax FICO Model Used
|
Member 2 TransUnion FICO
|
Member 2 TransUnion FICO Model Used
|
Member 2 Asset Verification Level
|
Member 2 Employment Verification Level
|
Member 2 Income Verification Level
|
Loan Application Date
|
Sales Contract Date
|
Qualifying Home Value for LTV
|
Number of Units
|
Year Built
|
Total Sq Ft
|
Number of Bedrooms
|
Number of Bathrooms
|
Property Condition
|
Acquisition Cost
|
Renovation Cost
|
Effective Gross Income
|
Turnover Costs
|
Repairs and Maintenance
|
Marketing and Leasing Costs
|
Utilities
|
Other Costs
|
Cap Ex Reserve
|
Investment Property Original As Is LTV
|
As Is Value
|
After Repair Value
|
After Repair Value LTV
|
Loan to Cost
|
Original Sales Price
|
Assignment Fee
|
Loan to Purchase Price
|
SBC Occupancy
|
Investment Property Type
|
Has Dutch Interest
|
Interest Reserves Escrowed
|
Guarantor 1 ITIN Flag
|
Guarantor 2 ITIN Flag
|
Guarantor 3 ITIN Flag
|
Guarantor 4 ITIN Flag
|
|
xxxx
|
2
|
xxxx
|
xxxx
|
Yes
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
Level 3-Stated/Partially Verified
|
No
|
No
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
0
|
0
|
0
|
0
|
0
|
0
|
Individual
|
Individual
|
Employed
|
xxxx
|
xxxx
|
Level 3-Stated/Partially Verified
|
xxxx
|
xxxx
|
Fair Isaac (VER. 2)
|
xxxx
|
FICO Classic V5 Facta
|
xxxx
|
FICO Risk Score Classic 04
|
Individual
|
Individual
|
Employed
|
xxxx
|
xxxx
|
Level 1-Not Stated/Not Verified
|
xxxx
|
xxxx
|
Fair Isaac (VER. 2)
|
xxxx
|
FICO Classic V5 Facta
|
xxxx
|
FICO Risk Score Classic 04
|
No
|
xxxx
|
1
|
C3
|
xxxx
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
3
|
xxxx
|
xxxx
|
Yes
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
Level 4-Stated/Verified as defined
|
No
|
No
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
0
|
0
|
0
|
0
|
0
|
0
|
Individual
|
Individual
|
Employed
|
xxxx
|
xxxx
|
Level 4-Stated/Verified as defined
|
xxxx
|
xxxx
|
FICO II
|
xxxx
|
Beacon 5.0
|
xxxx
|
FICO Risk Score Classic 04
|
Individual
|
Individual
|
Employed
|
xxxx
|
xxxx
|
Level 4-Stated/Verified as defined
|
xxxx
|
xxxx
|
FICO II
|
xxxx
|
Beacon 5.0
|
xxxx
|
FICO Risk Score Classic 04
|
No
|
xxxx
|
1
|
C4
|
xxxx
|
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