MORGAN STANLEY CAPITAL I INC ABS-15G
Exhibit 99.7 - Schedule 4
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | XXXX | 9389104 | Closed | 2025-09-24 05:35 | 2026-01-14 11:43 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception for DTI over XX% (XX.XXX%). - Due Diligence Vendor-XX/XX/XXXX Waived-Exception for DTI over XX% (XX.XXX%). Borrower has $X,XXX residual income after all expenses. Minimum required per guideline is $X,XXX. XX.XX months of reserves exceed the minimum required amount of X months - Due Diligence Vendor-XX/XX/XXXX Waived-Waived with comp factors - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. please see attached exception form and other documents. - Seller-XX/XX/XXXX Counter-LTV for this loan is XX%. Per matrix for Core product, LTV >= XX% the Max DTI is XX%. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is a not a select, but is a Core and on Core we allow up to XX% DTI. Please clear. - Seller-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% Verified Calculated DTI is XX.XX but minimum DTI is XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. please see attached exception form and other documents. - Seller-XX/XX/XXXX Ready for Review-This is a not a select, but is a Core and on Core we allow up to XX% DTI. Please clear. - Seller-XX/XX/XXXX |
Waived-Exception for DTI over XX% (XX.XXX%). - Due Diligence Vendor-XX/XX/XXXX Waived-Exception for DTI over XX% (XX.XXX%). Borrower has $X,XXX residual income after all expenses. Minimum required per guideline is $X,XXX. XX.XX months of reserves exceed the minimum required amount of X months - Due Diligence Vendor-XX/XX/XXXX Waived-Waived with comp factors - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXX.XXX_XXXXX_ XXXXXXX XXXXXX XXX XXXXXXXXX.XXX_XXXXX_ XXXXXXXXXXXXXX.XXX_XXXXX_ XXX #XXXXXXXXXXXXXXXXXXX XXXX.XXX_XXXXX_ XXXXXXXXXXXXXX.XXX |
XXXXXXXX XXX $X,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX. XX.XX XXXXXX XX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XXXXXX XX X XXXXXX | XX | Primary Residence | Purchase | NA | 5649197 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 9389104 | Closed | 2025-09-26 06:38 | 2025-10-08 15:06 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-documentation provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. lox and bank statements - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements. ALTA Settlement Statement on page X for the sale of property at XXX X XXxx XX, XXXX, XX on final XXXX is showing sale proceeds going to XXXXXX XXXXXX XXXX, XXXX XXXX XXXX, and XXXXX X. XXX. Need to obtain a copy of wire or deposit showing what amount of proceeds went to our borrower XXXXX X. XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. lox and bank statements - Seller-XX/XX/XXXX |
Resolved-documentation provided - Due Diligence Vendor-XX/XX/XXXX |
XXX XXX.XXX_XXXXX_ XXX XXX XXXX.XXX_XXXXX_ XXX XXX XXXX.XXX_XXXXX_ XXX XXXXXXXXX.XXX_XXXXX_ XXX XXXX.XXX |
XX | Primary Residence | Purchase | NA | 5682691 | N/A | N/A | |||
| XXXX | XXXX | 9389104 | Closed | 2025-09-24 05:26 | 2025-09-25 10:40 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX, XXX, XXX, XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX, XXX, XXX, XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 5649124 | N/A | N/A | |||||
| XXXX | XXXX | 9694997 | Closed | 2025-10-28 07:19 | 2025-11-03 14:23 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception is for LTV exceeding guidelines. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit Type updated to Core NonQM, thank you! - Seller-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV Based on post CD EMD of X,XXX and the gift funds in the amount of XXX,XXX.XX is the amount for the deposit and funds for the down payment for the purchase. Based on guidelines requires a XX% LTV reduction. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit Type updated to Core NonQM, thank you! - Seller-XX/XX/XXXX |
Waived-Exception is for LTV exceeding guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXX.XXX_XXXXX_ XXXXXXXXXX XXXXXXXXX.XXX |
XXX XX XX XX.XX XXXXX XXX XXX XX XX% XXXXXXXX XXX XX.XX XXXXXX XX XXXXXXXX. XXX XXXX XX XXXXXXXX XX X XXXXXX XXXXXX XXXXX XX XX XXX XXXXXXX XXXXXX XX XXX |
XX | Primary Residence | Purchase | NA | 6034336 | Originator Pre-Close | Yes | ||
| XXXX | XXXX | 9694997 | Closed | 2025-10-22 04:42 | 2025-10-28 07:07 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing PCCD. | Resolved-Updated TRIDS Page and PCCD page and ran compliance - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide PCCD listing gift deposit to escrows, Gift letter & wire deposit to escrow available on page XXX-XXX, XXX-XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated TRIDS Page and PCCD page and ran compliance - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXX.XXX | XX | Primary Residence | Purchase | NA | 5968156 | N/A | N/A | |||
| XXXX | XXXX | 9695103 | Closed | 2025-11-13 03:53 | 2025-12-12 14:01 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Final CD has broker fee paid by Lender, Provide Anti-steering disclosure missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXX-XXXXXXXX XXXXXXXXXX.XXX | XX | Primary Residence | Purchase | NA | 6234223 | N/A | N/A | |||
| XXXX | XXXX | 9695103 | Closed | 2025-11-13 03:54 | 2025-11-13 07:28 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 6234236 | N/A | N/A | |||||
| XXXX | XXXX | 9856996 | Closed | 2025-11-25 07:29 | 2025-12-10 06:42 | Resolved | 1 - Information | D | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Resolved. Desk Review provide - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Resolved. Desk Review provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary Desk review uploaded. - Seller-XX/XX/XXXX Open-Missing Desk Review - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary Desk review uploaded. - Seller-XX/XX/XXXX |
Resolved-Resolved. Desk Review provide - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXX.XXX | XX | Investment | Refinance | Cash Out - Other | 6380968 | N/A | N/A | |||
| XXXX | XXXX | 9979479 | Closed | 2025-12-22 05:22 | 2025-12-23 08:44 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXXX. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXXX. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 6730475 | N/A | N/A | |||||
| XXXX | XXXX | 10083047 | Closed | 2025-12-29 06:36 | 2026-01-07 04:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Updated DSCR worksheet provided with lesser of market rent amount. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated DSCR - Seller-XX/XX/XXXX Open-Missing Verification of Rent Loan qualified with lease amount of $XXXX which is higher than the market rent amount of $XXXX. GL XX.XX states if using the higher amount, evidence of X-months receipt of the $XXXX is required. Provide two months receipt as evidence to support the requirement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated DSCR - Seller-XX/XX/XXXX |
Resolved-Updated DSCR worksheet provided with lesser of market rent amount. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 6829149 | N/A | N/A | |||
| XXXX | XXXX | 10083047 | Closed | 2025-12-29 03:38 | 2026-01-05 00:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX Open-The XXXX document is missing from the loan file. XXXX document is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX |
Resolved-XXXX doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 6827124 | N/A | N/A | |||
| XXXX | XXXX | 10084817 | Closed | 2025-12-31 00:32 | 2026-01-20 06:13 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Received COC updated Revised LE and reran XXXXXX all clear. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Counter-Need COC for the credit changing from initial LE to the revised CD as the credit remained the same from revised LE to the final CD. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX XXX XXXX.XX(f)(X)(v); XX XXX XXXX.XX(g)(X); XX XXX XXXX.XX(h)). Provide Change in Circumstance for Lender Credit Lender credit fee decreased from Initial LE $X,XXX to $X,XXX in revised LE for which no COC is provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Received COC updated Revised LE and reran XXXXXX all clear. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXX XXX.XXX_XXXXX_ XXXXX XXX.XXX |
XX | Primary Residence | Purchase | NA | 6866150 | N/A | N/A | |||
| XXXX | XXXX | 10084817 | Closed | 2026-01-05 13:58 | 2026-01-08 06:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Asset 2 Missing | Resolved-Updated asset page used the gift funds in amount of XX,XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-Have gift fund letter for XXX,XXX need the wire confirmation as well. Also appears borrower is using X% of own funds and the remaining funds from the gift funds cannot be used for reserves based on guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Updated asset page used the gift funds in amount of XX,XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXX XXXX.XXX_XXXXX_ XXXXX XXXX.XXX |
XX | Primary Residence | Purchase | NA | 6921791 | N/A | N/A | |||
| XXXX | XXXX | 10084817 | Closed | 2025-12-31 00:32 | 2026-01-20 06:14 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 6866152 | N/A | N/A | |||||
| XXXX | XXXX | 10084817 | Closed | 2025-12-31 00:32 | 2026-01-20 06:14 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 6866151 | N/A | N/A | |||||
| XXXX | XXXX | 10084897 | Closed | 2026-01-05 00:59 | 2026-01-14 10:21 | Resolved | 1 - Information | A | A | Compliance | Mavent | HigherPriced: APR | Resolved-Document Uploaded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-resolved via compliance testing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter-These are valid XXXX fails which requires the loan to have escrows. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-You submitted no impound amounts for property insurance on this XXXX loan. XXXXXXXXXX X prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX XXX XXXX.XX(b)) Duplicate: The XXXXXX failed for Higherpriced:APR test, however the taxes and insurance are not escrowed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Document Uploaded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-resolved via compliance testing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-You submitted no impound amounts for property insurance on this XXXX loan. XXXXXXXXXX X prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX XXX XXXX.XX(b)) Duplicate: The XXXXXX failed for Higherpriced:APR test, however the taxes and insurance are not escrowed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX.XXX | XX | Primary Residence | Purchase | NA | 6909421 | N/A | N/A | ||||
| XXXX | XXXX | 10084897 | Closed | 2026-01-05 23:13 | 2026-01-13 20:45 | Resolved | 1 - Information | C | A | Compliance | Mavent | HigherPriced: APR | Resolved-resolved via compliance testing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter-These are valid XXXX fails which requires the loan to have escrows. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter-This has been escalated to management. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Hi, please double check. This is not a XXXX Loan. - XXXXXX-XX/XX/XXXX Open-You submitted no impound amounts for property taxes on this XXXX loan. XXXXXXXXXX X prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX XXX XXXX.XX(b)) The XXXXXX failed for Higherpriced:APR test, taxes and insurance are not escrowed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Hi, please double check. This is not a XXXX Loan. - XXXXXX-XX/XX/XXXX |
Resolved-resolved via compliance testing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 6927898 | N/A | N/A | ||||
| XXXX | XXXX | 10084897 | Closed | 2026-01-06 00:21 | 2026-01-08 04:38 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-The funds to close of $XXXK came from XXXXX #XXXX & XX/XX/XXXX statement shows sufficient funds for close and reserves which meets the reserve requirement, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-The funds to close of $XXXK came from XXXXX #XXXX. The XX/XX/XXXX statement shows sufficient funds for close and reserves and IS NOT EXPIRED. An updated statement is not required. - XXXXXX-XX/XX/XXXX Open-Assets considered from recent bank statements, wired funds of $XXX,XXX on pg#XXX, XXX, XXX has been sent to closing from XXXXX acct#XXXX, hence deducted the wired funds from the available account balance on XX/XX/XXXX. Hence required updated bank statements to know the current balance before closing date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-The funds to close of $XXXK came from XXXXX #XXXX. The XX/XX/XXXX statement shows sufficient funds for close and reserves and IS NOT EXPIRED. An updated statement is not required. - XXXXXX-XX/XX/XXXX |
Resolved-The funds to close of $XXXK came from XXXXX #XXXX & XX/XX/XXXX statement shows sufficient funds for close and reserves which meets the reserve requirement, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 6928570 | N/A | N/A | ||||
| XXXX | XXXX | 10084897 | Closed | 2026-01-05 00:59 | 2026-01-13 20:45 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-resolved via compliance testing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter-These are valid XXXX fails which requires the loan to have escrows. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s , XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, XXX, XXX-XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-resolved via compliance testing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s , XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, XXX, XXX-XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 6909418 | N/A | N/A | |||||
| XXXX | XXXX | 10084897 | Closed | 2026-01-05 00:59 | 2026-01-13 20:45 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-resolved via compliance testing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter-These are valid XXXX fails which requires the loan to have escrows. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s , XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, XXX, XXX-XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-resolved via compliance testing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s , XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, XXX, XXX-XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 6909422 | N/A | N/A | |||||
| XXXX | XXXX | 10084917 | Closed | 2026-01-06 22:11 | 2026-01-09 00:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Bank Account Statement #XXXX held by only BX, LOX not required, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Hi, please advise where you see another name on the XXXXX #XXXX. There is only X name (XXXXXXX XXXXXXX XXXXX). - Seller-XX/XX/XXXX Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Required lox to use funds from XXXXX acct#XXXX, as there is an another name along with borrower name under account owner. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Hi, please advise where you see another name on the XXXXX #XXXX. There is only X name (XXXXXXX XXXXXXX XXXXX). - Seller-XX/XX/XXXX |
Resolved-Bank Account Statement #XXXX held by only BX, LOX not required, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXX XXXXX_XXXXX #XXXX.XXX | XX | Primary Residence | Purchase | NA | 6950805 | N/A | N/A | |||
| XXXX | XXXX | 10083057 | Closed | 2026-01-08 05:12 | 2026-01-16 08:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX Open-Final HUD-X Document is Missing. Provide Complete Final HUD-X document. Final HUD-X page X is incomplete missing bottom of the page. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX |
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 6977809 | N/A | N/A | |||
| XXXX | XXXX | 10083057 | Closed | 2026-01-08 04:41 | 2026-01-13 23:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Fraud report reflecting uncleared alerts, per XXXX XXXXXXX guidelines dated XX/XX/XXXX, required updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 6977298 | N/A | N/A | |||
| XXXX | XXXX | 10083044 | Closed | 2026-01-08 23:19 | 2026-01-09 00:01 | Resolved | 1 - Information | A | A | Compliance | Mavent | HigherPriced: APR | Resolved-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX . An interior and exterior appraisal was completed for this property – see pg# XX, XX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX . An interior and exterior appraisal was completed for this property – see pg# XX, XX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 6999366 | N/A | N/A | |||||
| XXXX | XXXX | 10083044 | Closed | 2026-01-08 23:19 | 2026-01-08 23:58 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX . An interior and exterior appraisal was completed for this property – see pg# XX, XX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX . An interior and exterior appraisal was completed for this property – see pg# XX, XX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 6999364 | N/A | N/A | |||||
| XXXX | XXXX | 10083027 | Closed | 2026-01-07 03:22 | 2026-01-23 06:33 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Expired | Resolved-received additional Assets, reserves are sufficient - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Bank Statement and updated XXXX - Seller-XX/XX/XXXX Counter-The removal of the XXXXX account will render the transaction short of funds to close and reserves. Provide an updated XXXXX statement or additional funds to satisfy the funds to close plus reserves. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX to remove assets - Seller-XX/XX/XXXX Open-Asset X Expired Asset X XXXXX XXXXXXX #XXXX is expired on XX/XX/XXXX. Provide a recent statement prior to close. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Bank Statement and updated XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX to remove assets - Seller-XX/XX/XXXX |
Resolved-received additional Assets, reserves are sufficient - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXX.XXX_XXXXX_ XXXXXXXX XXXX XXXXXXXXX.XXX_XXXXX_ XXXXXXXX XXXX (X).XXX |
XX | Investment | Purchase | NA | 6953399 | N/A | N/A | |||
| XXXX | XXXX | 10083027 | Closed | 2026-01-07 03:28 | 2026-01-14 08:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Resolved. All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Counter-Flood Determination was uploaded to the Fraud Report finding. Provide revised fraud report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page #XXX) shows an uncleared alert. Provide the updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX |
Resolved-Resolved. All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | 6953449 | N/A | N/A | |||
| XXXX | XXXX | 10083027 | Closed | 2026-01-08 12:36 | 2026-01-13 07:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Resolved. Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Flood cert - Seller-XX/XX/XXXX Open-Flood Certificate is Partially Provided Provide evidence the flood determination is a Life of Loan certification. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Flood cert - Seller-XX/XX/XXXX |
Resolved-Resolved. Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXX XXXX.XXX | XX | Investment | Purchase | NA | 6991610 | N/A | N/A | |||
| XXXX | XXXX | 10083027 | Closed | 2026-01-07 23:26 | 2026-01-12 21:07 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated XXXX document uploaded with corrected P&I, DTI matches the XXXX document, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Open-Audited DTI XX.XX% and Lender DTI XX.XX%, Variance is XX.XX% which is due to that Lender consider Monthly debt as $ X,XXX.XX whereas per our Audit it is $ X,XXX.XX (Credit liabilities $XX + PITIA $ $X,XXX.XX+REO Rent loss $XXX.XX). $XXX.XX Consider from Expected Monthly Rental income = $X,XXX*XX% - PITIA $X,XXX.XX= $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX |
Resolved-Updated XXXX document uploaded with corrected P&I, DTI matches the XXXX document, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXX.XXX | XX | Investment | Purchase | NA | 6975300 | N/A | N/A | |||
| XXXX | XXXX | 10083027 | Closed | 2026-01-07 23:03 | 2026-01-12 21:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX document uploaded with corrected P&I, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Provide the updated XXXX with the Interest Rate of X.X% & P&I $X,XXX.XX as the interest rate on the Note is X.X% and P&I is $X,XXX.XX while the XXXX interest rate is X.XXX% and P&I showing as $XXXX.XX. Additionally, the All Other Monthly Payments Used in Qualifying is $X,XXX.XX and per the credit report and loan file the the other liabilities total $XX.XX. If the All Other Monthly Payments Used in Qualifying contains a net rental income from the subject, please provide the figures and an updated XXXX to show the vacancy factor amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX |
Resolved-Updated XXXX document uploaded with corrected P&I, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXX.XXX | XX | Investment | Purchase | NA | 6975191 | N/A | N/A | |||
| XXXX | XXXX | 9979407 | Closed | 2026-01-07 05:13 | 2026-02-19 13:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide access letter for the account XXXX reflecting trust name and no trust document is given in file or any lox provided in file to very the trustee names. . - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXX XXXXXX.XXX_XXXXX_ XXXXXXXXXX XXXXX XXXX.XXX |
XX | Investment | Purchase | NA | 6954854 | N/A | N/A | |||
| XXXX | XXXX | 9979407 | Closed | 2026-01-07 22:06 | 2026-01-14 03:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-C document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing XXXX C document is missing in file. Loan qualified documentation is full documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-C document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXX XXXXX.XXX | XX | Investment | Purchase | NA | 6974856 | N/A | N/A | |||
| XXXX | XXXX | 10047697 | Closed | 2026-01-20 16:56 | 2026-02-02 05:27 | Resolved | 1 - Information | C | A | Credit | Credit | Reserve requirement was not met | Resolved-Borrower needed $XX,XXX.XX to close, and they had it in the XXXXX acct as of XX/XX/XXXX. The loan closed on XX/XX/XXXX, so anything they need after that date is just reserves. They are showing that, as of XX/XX/XXXX, they still had enough reserves. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. December statement with sufficient balance uploaded. - Seller-XX/XX/XXXX Counter-The bank statement provided is dated XX/XX/XXXX with the balance of $XX,XXX.XX. At the time of closing the most recent bank statement dated XX/XX/XXXX was in the file with the balance of $XX,XXX.XX. Please provide additional documentation to support the additional assets that were needed at closing. Loan is still short $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Oct month statement uploaded for XXXXX account XXXX with closing balance of $XX,XXX.XX - Seller-XX/XX/XXXX Open-Loan is short the amount needed for Reserves. Per guidelines, X months reserves are needed, or $X,XXX.XX x X = $XX,XXX.XX. Total Assets verified as XXXXX #XXXX dated XX/XX/XXXX for $XX,XXX.XX minus the Cash to Close needed to close of $XX,XXX.XX, leaving $X,XXX.XX in the account + $X,XXX.XX P&I Reserves escrowed + $X,XXX.XX Tax Reserves escrowed + $XXX.XX Insurance Reserves escrowed = $XX,XXX.XX total available reserves. Therefore, the loan is still short $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. December statement with sufficient balance uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Oct month statement uploaded for XXXXX account XXXX with closing balance of $XX,XXX.XX - Seller-XX/XX/XXXX |
Resolved-Borrower needed $XX,XXX.XX to close, and they had it in the XXXXX acct as of XX/XX/XXXX. The loan closed on XX/XX/XXXX, so anything they need after that date is just reserves. They are showing that, as of XX/XX/XXXX, they still had enough reserves. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX - XXXXXXXX (X).XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7192005 | N/A | N/A | |||
| XXXX | XXXX | 10047697 | Closed | 2026-01-13 23:36 | 2026-01-20 16:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Funding Statement received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XX funding statement uploaded - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Missing the Final Alta statement and/or Hud-X. Please provide - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX funding statement uploaded - Seller-XX/XX/XXXX |
Resolved-Funding Statement received. - Due Diligence Vendor-XX/XX/XXXX |
XXX XX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7080339 | N/A | N/A | |||
| XXXX | XXXX | 10047712 | Closed | 2026-01-18 23:21 | 2026-01-30 01:11 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Requested updated HOI Policy with RCE provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. This Xxxxx Xxxx Policy offers up to $XXX,XXX in total limit its called Dwelling Extra Replacement cost coverage. Therefore this coverage is with in our requirements. The carrier is furnishing a letter stating that this is the maxium RCE cost. I will be uploading shortly. - Seller-XX/XX/XXXX Open-Provide RCE document as hazard coverage amount of $XXX,XXX is less than the loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached. This Xxxxx Xxxx Policy offers up to $XXX,XXX in total limit its called Dwelling Extra Replacement cost coverage. Therefore this coverage is with in our requirements. The carrier is furnishing a letter stating that this is the maxium RCE cost. I will be uploading shortly. - Seller-XX/XX/XXXX |
Resolved-Requested updated HOI Policy with RCE provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX X XXXXXXX XXXXXXXXX XXXXXX XXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7159006 | N/A | N/A | |||
| XXXX | XXXX | 10047727 | Closed | 2026-01-14 22:49 | 2026-01-27 23:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax Certificate uploaded. - Seller-XX/XX/XXXX Open-Property Tax as per Tape Data is $XXX. The tax amount per the title commitment in file on page XXX shows a monthly tax payment of $XXX.XX. The tax documentation to support the amount of $XXX is missing from the loan file. Please provide. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax Certificate uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX.XXXX XXXX XXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7103685 | N/A | N/A | |||
| XXXX | XXXX | 10047745 | Closed | 2026-01-08 22:49 | 2026-01-30 07:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Notary is Missing in DOT, provided Updated DOT, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Ready for Review-For Xxxxxxxxxxx state (XX), If the Signed notary says that ""Officer of the court"" or ""Commissioner of court"", then no Notary stamp is required." - Seller-XX/XX/XXXX Counter-The documentation provided was already in the file. The expiration date of the notary commission is not stated on the deed of trust. Please review page XX of the document attached to see "Date Commission Expires" is blank. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Mortgage document uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete. The deed of trust is missing the commission expiration date of the notary on page XXX. Please provide the Deed of Trust that reflects the notary expiration date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-For Xxxxxxxxxxx state (XX), If the Signed notary says that ""Officer of the court"" or ""Commissioner of court"", then no Notary stamp is required." - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Mortgage document uploaded. - Seller-XX/XX/XXXX |
Resolved-Notary is Missing in DOT, provided Updated DOT, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX.XXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 6999238 | N/A | N/A | |||
| XXXX | XXXX | 10047800 | Closed | 2026-01-30 10:52 | 2026-02-06 08:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Asset 1 Missing | Resolved-The documentation received was sufficient to resolve the finding. Two months of statements. It appears the November statement reflecting XX/XX to XX/XX was an error by the company in charge of the account. - Due Diligence Vendor-XX/XX/XXXX Counter- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploading October and December for X consecutive months of statements - Seller-XX/XX/XXXX Open-The loan file contains a statement from Xxxxxxxx for Xxxxxxx Xxxxxxxxxxx XXXX however the statement period is XX/XX/XX to XX/XX/XX and not a X month history. The loan file is missing a X month history from the Xxxxxxxx Xxxxxxx Xxxxxxxxxxx XXXX. These assets are needed to meet the reserve requirements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploading October and December for X consecutive months of statements - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. Two months of statements. It appears the November statement reflecting XX/XX to XX/XX was an error by the company in charge of the account. - Due Diligence Vendor-XX/XX/XXXX |
XXXX_XXXXXXXX XXXX XXXXXXXXX.XXX_XXXXX_ XXXXXXXX XXXXXXXXXXX - XXXXXXXXX XXXXXXX - XXXXXX XXXXX XX.XX.XX (X).XXX_XXXXX_ XXXX_XXXXXXX XXXX XXXXXXXXX.XXX |
XXX XXXXXXXX XXXXXXXXX XXXXXXXX XX XXX XXXX XXX XX XXX XXXX XXXX, XX XX XXXXX XXXX XX/XX XX XX/XX. XXX XXXXXXXXX XXXXXXX XX XXX XX/XX XXXXXXXXX XXXX XXX XXXXX XXX XXXXXX XXXXXXX XX XXX XX/XX XXXXXXXXX. XXX XXXX XXXX XXXXXXXX XX XXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XX XXXXX XXXXXXX X XX XXX XXXXXXX XXX XXXXXXXX. | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7378996 | N/A | N/A | ||
| XXXX | XXXX | 10047800 | Closed | 2026-01-30 10:02 | 2026-01-30 20:11 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XX - Funding statemet uplaoded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. The loan file is missing the final signed settlement statement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX - Funding statemet uplaoded. - Seller-XX/XX/XXXX |
Resolved-Documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7377898 | N/A | N/A | |||
| XXXX | XXXX | 10047800 | Closed | 2026-01-30 10:39 | 2026-01-30 18:49 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-The documentation and reference was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please note that the borrower’s insurance coverage is set to the full Appraised Value, calculated using the appraisal’s cost-to-value approach. Under X.X. Comp. Codes R. & Regs. Tit. III, § XX.X(a), it is illegal for a lender in Xxx Xxxx to require coverage exceeding the property’s actual replacement cost. Lenders found in violation of these Banking Department regulations may be subject to state penalties if reported to the XXX. - Seller-XX/XX/XXXX Open-The loan file contains an HOI policy with dwelling coverage of $XXX,XXX and the loan amount is $XXX,XXX. The loan file doesn't contain evidence of sufficient HOI. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please note that the borrower’s insurance coverage is set to the full Appraised Value, calculated using the appraisal’s cost-to-value approach. Under X.X. Comp. Codes R. & Regs. Tit. III, § XX.X(a), it is illegal for a lender in Xxx Xxxx to require coverage exceeding the property’s actual replacement cost. Lenders found in violation of these Banking Department regulations may be subject to state penalties if reported to the XXX. - Seller-XX/XX/XXXX |
Resolved-The documentation and reference was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX (XX).XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7378720 | N/A | N/A | |||
| XXXX | XXXX | 10047705 | Closed | 2026-01-12 08:29 | 2026-01-21 07:20 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXX XXXXXXX XXXXX XXX is the parent company. Uploaded Articles of Organisation and Opearting Agreement for the same. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. Need the Articles for XXXXXXXX XXXXXXX XXXXX XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXX XXXXXXX XXXXX XXX is the parent company. Uploaded Articles of Organisation and Opearting Agreement for the same. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXXXX.XXXXXX XXXXXXXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | 7040910 | N/A | N/A | |||
| XXXX | XXXX | 10047713 | Closed | 2026-01-12 12:42 | 2026-01-29 17:25 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. EIN for XXXX XXXXXXXXXX XXX uploaded - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide EIN for XXXX XXXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. EIN for XXXX XXXXXXXXXX XXX uploaded - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7048252 | N/A | N/A | |||
| XXXX | XXXX | 10047713 | Closed | 2026-01-12 12:36 | 2026-01-29 17:23 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Amended Evidence of Insurance for XXX XXXXXXXXXXXX XX meets minimum property coverage, no change in premium. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached final EOI with coverage change. Showing total $XXX,XXX in property coverage. - Seller-XX/XX/XXXX Open-HOI for XXX XXXXXXXXXXXX XX G/L minimum required coverage $XXX,XXX.XX. Page XXX Dwelling coverage with replacement cost $XXX,XXX x X.XX% = $XXX,XXX. Page XX RCV $XXX,XXX x XX = $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached final EOI with coverage change. Showing total $XXX,XXX in property coverage. - Seller-XX/XX/XXXX |
Resolved-Amended Evidence of Insurance for XXX XXXXXXXXXXXX XX meets minimum property coverage, no change in premium. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXXXXXX XX. XXXXXXX XX-X-XX.XXX | XX | Investment | Refinance | Cash Out - Other | 7048144 | N/A | N/A | |||
| XXXX | XXXX | 10047713 | Closed | 2026-01-12 12:53 | 2026-01-29 09:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval XXX XXXXXXXXXXXX XX, XXXXXX, XX XXXXX, XXX XXXXXXXXXXXX XXXXXX, XXXXXX, XX XXXXX and XXX XXXXXXXXXXXX XX, XXXXXX, XX XXXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Deal term approval uplaoded. - Seller-XX/XX/XXXX Open-Page XXX Deal Loan Submission shows Subject Transaction for properties XXX XXXXXXXXXXXX XXXXXX (XX)/XXX XXXXXXXXXXXX XXXXXX (XX)/XXX XXXXX XXXXX (XX)/XXX XXXXXXXXXXXX XXXXXX (XX)/XXX XXXXX XXXXX (XX). Should only show XXX XXXXXXXXXXXX XXXXXX (XX), XXX XXXXXXXXXXXX XXXXXX (XX) & XXX XXXXXXXXXXXX XXXXXX XX) per Note, Deed of Trust and Title Commitment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Deal term approval uplaoded. - Seller-XX/XX/XXXX |
Resolved-Loan Approval XXX XXXXXXXXXXXX XX, XXXXXX, XX XXXXX, XXX XXXXXXXXXXXX XXXXXX, XXXXXX, XX XXXXX and XXX XXXXXXXXXXXX XX, XXXXXX, XX XXXXX. - Due Diligence Vendor-XX/XX/XXXX |
XX-XX-XXXX XXXX XXXXX XXXXXXXXXXXXXXXXXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7048491 | N/A | N/A | |||
| XXXX | XXXX | 10047724 | Closed | 2026-01-13 10:03 | 2026-01-22 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Uploaded Passport. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Valid passport uploaded. - Seller-XX/XX/XXXX Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Missing ID. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Valid passport uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Uploaded Passport. - Due Diligence Vendor-XX/XX/XXXX |
XX.XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7066197 | N/A | N/A | |||
| XXXX | XXXX | 10047724 | Closed | 2026-01-13 01:13 | 2026-01-21 03:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Closing Detail Statement uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HUD uplaoded - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Settlement statement missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HUD uplaoded - Seller-XX/XX/XXXX |
Resolved-Closing Detail Statement uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX (X) (X).XXX | XX | Investment | Refinance | Cash Out - Other | 7055266 | N/A | N/A | |||
| XXXX | XXXX | 10083067 | Closed | 2026-01-12 04:20 | 2026-01-15 00:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Income worksheet - Seller-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheets on page # XXX-XXX are not reflecting legible numbers to verify exact deposits. Per the final XXXX and XXXX, Borrower is receiving $XX,XXX.XX from XXXXXXXX XXXXXXX XXX and $XX,XXX.XX from XXXX. Provide updated lender worksheets validating these incomes. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Income worksheet - Seller-XX/XX/XXXX |
Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXXXXX XXXXXX XXXXXXXXXXX XXXXXXXXX X.XXX |
XX | Primary Residence | Purchase | NA | 7031631 | N/A | N/A | |||
| XXXX | XXXX | 10083067 | Closed | 2026-01-12 05:18 | 2026-01-13 09:28 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 7032860 | N/A | N/A | |||||
| XXXX | XXXX | 10084857 | Closed | 2026-01-16 00:40 | 2026-01-29 08:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower lived rent free in rental in prior residence per LOX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Mortgage details verified in pg#XXX shows mortgage open from XX/XXXX, hence considered total primary mortgage months reviewed as X months. Borrower lived for rent in former property #XXX XXXXXX XXXXXXXXX per Final XXXX pg#XXX but VOR not available to verify the rent history. Provide VOR for former address to verify the primary rent/housing history. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower lived rent free in rental in prior residence per LOX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX - XXX XXXXXX.XXX_XXXXX_ XXXXXXX - XXXX.XXX |
XX | Primary Residence | Refinance | Cash Out - Other | 7130295 | N/A | N/A | |||
| XXXX | XXXX | 10084857 | Closed | 2026-01-20 08:15 | 2026-01-23 06:51 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Evidence of income calculation uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-DTI variance due to variance in calculated income and originator calculated income. Qualifying the borrower with XX months personal bank statements (XX# XXXX) using Net Deposits = ($XXX,XXX.XX - XX% Expenses) * XXX% ownership = $XXX,XXX.XX/ XX = $XX,XXX.XX (Expense factor XX% considered per CPA pg#XXX). Loan Approval pg#XXX shows BS Type as personal and so considered only personal bank statements for income calculation. Using Business search page#XXX, CPA page #XXX and Business Narrative page#XXX confirms business since XXXX and borrower having XXX% ownership. Latest dated Lender worksheet in pg#XXX-XXX. Final XXXX/XXXX shows Borrower Income as $XX,XXX.XX but no evidence of income calculation documentation for the same. Expense Factor discrepancy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of income calculation uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7178941 | N/A | N/A | |||
| XXXX | XXXX | 10083084 | Closed | 2026-01-16 03:45 | 2026-01-21 02:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page #XXX) has an uncleared alert. Provide the updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX |
Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7131423 | N/A | N/A | |||
| XXXX | XXXX | 10083084 | Closed | 2026-01-16 03:33 | 2026-01-20 00:21 | Resolved | 1 - Information | D | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Freddie SSR doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX Open-For securitization, a second property valuation needs to be provided. File needs a XXXX and/or XXXXXX UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX |
Resolved-Freddie SSR doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7131266 | N/A | N/A | |||
| XXXX | XXXX | 10083051 | Closed | 2026-01-14 00:21 | 2026-02-04 12:09 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Formation & Articles of Org - Seller-XX/XX/XXXX Counter-EIN in file, missing Formation Docs, articles of incorporation - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. EIN - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Provide the Business entity document(EIN number not available in the file) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Formation & Articles of Org - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. EIN - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX.XXX_XXXXX_ XXXXXXXXX.XXX_XXXXX_ XXXXXXXX XX XXX.XXX |
XX | Investment | Refinance | Cash Out - Other | 7080511 | N/A | N/A | |||
| XXXX | XXXX | 10083051 | Closed | 2026-01-14 00:21 | 2026-02-04 12:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-XXXX Market Rent Schedule is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Please provide the XXXX document, it is not available in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX |
Resolved-XXXX Market Rent Schedule is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7080512 | N/A | N/A | |||
| XXXX | XXXX | 10083051 | Closed | 2026-01-14 15:08 | 2026-01-21 06:47 | Waived | 2 - Non-Material | C | B | Credit | Credit | Cash out funds exceed guideline requirement. | Waived- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX Open-per GLs section X.X.XX.X Second Level Review / Executive Approval required for the following: o Free & Clear Properties: Cash In Hand > XM o > X.XM cash in hand (≤ XX% LTV & ≥ XXX FICO) Exception not in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX |
XXX XXXXX XXXXXX.XXX | XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX%. XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX X.XXX XXXXXX. |
XX | Investment | Refinance | Cash Out - Other | 7095772 | Originator Pre-Close | Yes | |||
| XXXX | XXXX | 10083051 | Closed | 2026-01-14 03:46 | 2026-01-21 02:16 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal 2 missing | Resolved-Requested Secondary appraisal provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisals - Seller-XX/XX/XXXX Open-Please provide the Xnd appraisal since loan amount is more than $XXXXXXX ($XXXXXXXXX.XX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Appraisals - Seller-XX/XX/XXXX |
Resolved-Requested Secondary appraisal provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX #X.XXX_XXXXX_ XXXX XXXXXXXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | 7081575 | N/A | N/A | |||
| XXXX | XXXX | 10083051 | Closed | 2026-01-14 04:32 | 2026-01-19 23:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-DL Photo ID provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Borrower ID - Seller-XX/XX/XXXX Open-Validation Resolved or Not Applicable provided ID expire at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Borrower ID - Seller-XX/XX/XXXX |
Resolved-DL Photo ID provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXXXXXXX.XXX | XXXXXXXX | XX | Investment | Refinance | Cash Out - Other | 7081855 | N/A | N/A | ||
| XXXX | XXXX | 10083051 | Closed | 2026-01-14 01:39 | 2026-01-19 23:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Update fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-Update fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7080854 | N/A | N/A | |||
| XXXX | XXXX | 10084840 | Closed | 2026-01-16 02:04 | 2026-02-02 07:00 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-COC for credit report is not valid so need we need a valid reason for the fee increase. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The fees in Final CD in section E is increased more than XX% for recording fees and need COC. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XX XXXX XXX.XXX_XXXXX_ XXXXX XX XXXX XXXX.XXX_XXXXX_ XXXXX XX XXXX XXXXX.XXX_XXXXX_ XXXXX XX XXXX XXXX.XXX_XXXXX_ XXXXX XX XXXX XXX XXXXXXXXXXXXXX.XXX |
XX | Primary Residence | Purchase | NA | 7130658 | N/A | N/A | |||
| XXXX | XXXX | 10084840 | Closed | 2026-01-16 02:04 | 2026-02-02 07:00 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX,XXX,XXX The loan meets XXXXX guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (XXXXX XX.XX.XX.XX(B)(XX); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX,XXX,XXX The loan meets XXXXX guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX,XXX,XXX The loan meets XXXXX guidelines - Due Diligence Vendor-XX/XX/XXXX Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (XXXXX XX.XX.XX.XX(B)(XX); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX,XXX,XXX The loan meets XXXXX guidelines - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 7130655 | N/A | N/A | |||||
| XXXX | XXXX | 10084840 | Closed | 2026-01-16 02:04 | 2026-02-02 07:00 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX,XXX,XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX,XXX,XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
_xXXXX_ |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX,XXX,XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX,XXX,XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XX | Primary Residence | Purchase | NA | 7130656 | N/A | N/A | ||||
| XXXX | XXXX | 10084882 | Closed | 2026-01-18 02:44 | 2026-01-30 06:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Received rent free letter for prior address at XXXX XXXXX X XXXXXX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Counter-No document was attached - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Housing History Does Not Meet Guideline Requirements Borrower living in property#XXX X X XX(Primary property) with active mortgage verified in credit report page#XXX with months reviewed X months. Borrower lived in former address #XXXX XXXXX X XXXXXX for X+years per Final XXXX pg#XXX but no evidence of ownership document for the same. Provide ownership documents for former address #XXXX XXXXX X XXXXXX to verify XXmonths housing history for borrowerX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Received rent free letter for prior address at XXXX XXXXX X XXXXXX - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXXXXX XXXX XXXX XXX.XXX_XXXXX_ XXXXXXXXXX XXXXXXX XXXXX XXXX.XXX_XXXXX_ XXXXXXXXXX - XXXX XX.XXX |
XX | Investment | Refinance | Cash Out - Other | 7155685 | N/A | N/A | |||
| XXXX | XXXX | 10084882 | Closed | 2026-01-20 12:52 | 2026-01-23 06:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Final HUD-X Document is Missing. Need the executed final hud signed by borrower and title. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXXXXX XXXXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7186283 | N/A | N/A | |||
| XXXX | XXXX | 10084749 | Closed | 2026-01-20 10:51 | 2026-01-28 07:23 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-We qualified using two HOI policies- both have been provided and have a combined total of XXX,XXX total coverage. The cost estimator provided by the insurance agent also has a replacement cost of XXX,XXX. So technically we really only need the one policy, but we are still utilizing both. Thank you - Seller-XX/XX/XXXX _xXXXX_ Counter-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-We qualified using two HOI policies- both have been provided and have a combined total of XXX,XXX total coverage. The cost estimator provided by the insurance agent also has a replacement cost of XXX,XXX. So technically we really only need the one policy, but we are still utilizing both. Thank you - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXXXXX XXX.XXX | XX | Second Home | Purchase | NA | 7183509 | N/A | N/A | |||
| XXXX | XXXX | 10084749 | Closed | 2026-01-17 10:45 | 2026-01-23 13:02 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC uploaded - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Appraisal Review Fee $XXX newly added in Revised LE but COC for the same is not available in file. Provide COC for Appraisal Review Fee addition. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-COC uploaded - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXXXXX XXXXXX XX XXX.XXX | XX | Second Home | Purchase | NA | 7154262 | N/A | N/A | |||
| XXXX | XXXX | 10084749 | Closed | 2026-01-17 10:45 | 2026-01-23 13:01 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC uploaded - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender Credits decreased from Initial LE($XXX) to Revised LE($X) but COC for the same is not available in file. Provide COC for Lender Credits decrease. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-COC uploaded - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXXXXX XXXXXX XX XXX.XXX | XX | Second Home | Purchase | NA | 7154259 | N/A | N/A | |||
| XXXX | XXXX | 10083083 | Closed | 2026-01-18 05:42 | 2026-02-05 06:24 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. CD redisclosure from X/X with the detailed COC form - Seller-XX/XX/XXXX _xXXXX_ Counter-Loan discount fee went for to $X,XXX.XX. CoC provided states fees went to XXXX.XX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. for the appraisal fee increase, there was a COC/LE redisclose sent on XX/XX, disclosing an increase to the Appraisal fee, attached for reference. There is a COC with detailed changes included in the attachment. - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). (X) Appraisal fee increased from $XXX ( revised LE) to $XXX (initial CD). (X) Points - Loan Discount Fee is newly added in initial CD. Hence provide a valid COC for initial CD dated XX/XX/XXXX to cure this. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CD redisclosure from X/X with the detailed COC form - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. for the appraisal fee increase, there was a COC/LE redisclose sent on XX/XX, disclosing an increase to the Appraisal fee, attached for reference. There is a COC with detailed changes included in the attachment. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXX XX XXXXXXXXXXXX XX-XX-XX.XXX_XXXXX_ XXXXXX XXX-XXXXXXX XX XXXXXXXXXXXX X-X-XX.XXX |
XX | Primary Residence | Refinance | Cash Out - Other | 7156013 | N/A | N/A | |||
| XXXX | XXXX | 10083083 | Closed | 2026-01-18 05:42 | 2026-01-28 07:13 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-CoC provided and updated. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. the Lender Credit/Discount points, there was a COC/CD disclosure sent on XX/X disclosing the loan change from No Cash Out to Cash Out, impacting the lender credit and discount points. A detailed COC form is also included in this attachment - Seller-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender credits are decreased from $XXX ( revised LE) to $X(initial CD).Hence provide a valid COC for initial CD dated XX/XX/XXXX to cure this. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. the Lender Credit/Discount points, there was a COC/CD disclosure sent on XX/X disclosing the loan change from No Cash Out to Cash Out, impacting the lender credit and discount points. A detailed COC form is also included in this attachment - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-CoC provided and updated. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXX XXX-XXXXXXX XX XX-XX-XX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7156012 | N/A | N/A | |||
| XXXX | XXXX | 10083083 | Closed | 2026-01-18 05:16 | 2026-01-26 00:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts In Fraud report, provided updated Fraud report changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX _xXXXX_ Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-There are uncleared alerts In Fraud report, provided updated Fraud report changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7155970 | N/A | N/A | |||
| XXXX | XXXX | 10083083 | Closed | 2026-01-18 04:56 | 2026-01-26 00:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Income Qualified with XX month Business bank statements, only X months statements provided, asked for same, provided complete remaining X months bank statements, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. BX X months bank statement - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Business Bank Statements Missing There are only X statements (XXX-XXXX, XXXX-XXXX., XXX-XXXX) are available in file. Provie remaining X months statements for XX #XXXX account to calculate the correct income. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. BX X months bank statement - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Income Qualified with XX month Business bank statements, only X months statements provided, asked for same, provided complete remaining X months bank statements, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
X XXXXX XXXX XXXXXXXXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7155951 | N/A | N/A | |||
| XXXX | XXXX | 10083083 | Closed | 2026-01-18 04:34 | 2026-01-26 00:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Final XXXX - XXXXXX-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Provide XXXX document as it is missing from file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Final XXXX - XXXXXX-XX/XX/XXXX |
Resolved-XXXX is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7155914 | N/A | N/A | |||
| XXXX | XXXX | 10083083 | Closed | 2026-01-18 05:12 | 2026-01-26 00:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Loan approval document is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Loan approval - XXXXXX-XX/XX/XXXX Open-Provide loan approval document as it is missing from file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Loan approval - XXXXXX-XX/XX/XXXX |
Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXXXXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7155968 | N/A | N/A | |||
| XXXX | XXXX | 10088986 | Closed | 2026-01-21 23:41 | 2026-02-10 06:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX Counter-There is nothing attached to the condition. Please attach policy. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Please see attached there is a $XXX.XX for fees that is not accounted for. Be advised that is the processed by the broker. - XXXXXX-XX/XX/XXXX Open-Hazard Insurance document is present but the premium amount is missing Please provide the policy that reflects the annual premium of $X,XXX.XX ($XXXX). - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached - XXXXXX-XX/XX/XXXX Ready for Review-Please see attached there is a $XXX.XX for fees that is not accounted for. Be advised that is the processed by the broker. - XXXXXX-XX/XX/XXXX |
XXXX XXXXXX - XXXXXXX XXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7235859 | N/A | N/A | ||||
| XXXX | XXXX | 10088986 | Closed | 2026-01-21 23:30 | 2026-01-24 07:38 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Open-Missing Evidence of Property Tax Unable to locate the tax documentation for $XXX.XX annually. Please provide the tax documentation to support the tax amount used in the approval. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Open-Missing Evidence of Property Tax Tax Cert is Misisng - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7235772 | N/A | N/A | |||||
| XXXX | XXXX | 10088989 | Closed | 2026-01-22 03:08 | 2026-02-09 01:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Premium is missing in policy document , provided Invoice for premium, Changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. See attached premium breakdown for location this is a master policy containing two locations. This is the annual premium total for this location. - XXXXXX-XX/XX/XXXX Open-Provided hazard insurance document page#XXX, premium amount is missing, please provide to verify - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached premium breakdown for location this is a master policy containing two locations. This is the annual premium total for this location. - XXXXXX-XX/XX/XXXX |
Resolved-Premium is missing in policy document , provided Invoice for premium, Changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXX XXXXXX - XXXXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7236830 | N/A | N/A | |||
| XXXX | XXXX | 10088994 | Closed | 2026-01-21 09:20 | 2026-02-19 10:01 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Open-The loan is signed by a XXX not a corporation. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Acknowledged- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XX | Investment | Purchase | NA | 7206098 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10088994 | Closed | 2026-01-21 10:51 | 2026-02-10 06:39 | Resolved | 1 - Information | D | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. We have two full secondary appraisals instead of a secondary CDA value. Uploaded here. - XXXXXX-XX/XX/XXXX Counter-Per the ROC guidelines, a Collateral Desktop Analysis (CDA) is required for all X-X Unit Residential Properties. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Secondary valuation isn't required as this is a purchase transaction - XXXXXX-XX/XX/XXXX Open-Provide Secondary valuation. Secondary valuation missing in file. Per the guidelines on page XX an appraisal risk review or a collateral desktop analysis is required. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. We have two full secondary appraisals instead of a secondary CDA value. Uploaded here. - XXXXXX-XX/XX/XXXX Ready for Review-Secondary valuation isn't required as this is a purchase transaction - XXXXXX-XX/XX/XXXX |
XXXXXX.XXXXXXXXX.XX-XX XXXXXX XXXX.XXX_XXXXX_ XXXXXXXXX XXXX XXXXXX (XXX) XX XXXXXXXXXX XXXXXXX XXXXXXXX (XXX).XX-XX XXXXXX XXXX.XXX |
XX | Investment | Purchase | NA | 7217833 | N/A | N/A | ||||
| XXXX | XXXX | 10088994 | Closed | 2026-01-21 09:53 | 2026-02-09 06:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Funds entered - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Cash out from a different transaction has been used for the cash to close, HUD uplaoded. - XXXXXX-XX/XX/XXXX Open-The subject property is a purchase. Per the Guidelines X months of reserves are required for a purchase. Upon review of the file there is only one bank account on page XX showing a balance of $X,XXX.XX. The total PITIA is $X,XXX.XX therefore X months of reserves is $XX,XXX.XX. There is no proof of the earnest money being verified in the amount of $XXX,XXX. The documentation in the file does not support the down payment of $XXX,XXX, the amount of reserves required in the amount of $XX,XXX.XX nor the wire and/or other documentation to support the earnest money in the amount of $XXX,XXX. Please provide sufficient assets to cover the down payment, required reserves and the earnest money deposit. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cash out from a different transaction has been used for the cash to close, HUD uplaoded. - XXXXXX-XX/XX/XXXX |
Resolved-Funds entered - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXX.XXX | XX | Investment | Purchase | NA | 7208967 | N/A | N/A | |||
| XXXX | XXXX | 10088998 | Closed | 2026-01-21 06:22 | 2026-02-09 02:03 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. See attached RCE doc - XXXXXX-XX/XX/XXXX Open-The hazard insurance binder in file on page XXX reflects a dwelling coverage amount of $XXX,XXX, which is less than the Note amount of $XXX,XXX. No replacement cost estimate is in the loan file to support the lower dwelling coverage amount. Please provide the RCE to support. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached RCE doc - XXXXXX-XX/XX/XXXX |
XXX XXXXXXXXXX.XXX | XXXXXX XXXXXXXXX XXXXXXXX XX XXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXX XXX XXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX | XX | Investment | Refinance | Cash Out - Other | 7200679 | N/A | N/A | |||
| XXXX | XXXX | 10089000 | Closed | 2026-01-23 12:52 | 2026-02-03 10:12 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Documentation verifying ownership of previously vested XXX provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. EIN for XXXXXX XXXXXXX XXXXXXX XXX and Entity docs for X and X XXXXXXX XXXXXXXX, XXX has been uploaded. - XXXXXX-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents verifying ownership of X and X XXXXXXX XXXXXXXX, XXX - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. EIN for XXXXXX XXXXXXX XXXXXXX XXX and Entity docs for X and X XXXXXXX XXXXXXXX, XXX has been uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Documentation verifying ownership of previously vested XXX provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXX-XXXXXX XXXXXXX XXXXXXX XXX - XXXXXXXXXX XXXXXX.XXX_XXXXX_ X XXX X XXX - XXXXXXXX XXXXXXXXXXXX.XXX_XXXXX_ X XXX X - XXXXXXXX - XXXXXXXX XXXXXXXXXXXX.XXX_XXXXX_ X XXX X XXXXXXX XXXXXXXX XXX - XXXXXXXXX XXXXXXXXX - XXXXXX.XXX_XXXXX_ X XXX X XXXXXXX XXXXXXXX XXX XXXXXXXXXXX (X) - XXXXXX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7277193 | N/A | N/A | |||
| XXXX | XXXX | 10089000 | Closed | 2026-01-21 08:19 | 2026-02-03 02:50 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report dated Oct X has been uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Partially Present. Credit report date of XX-XX-XXXX is after the note date of XX-XX-XXXX. Credit Report date used for application date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report dated Oct X has been uploaded. - Seller-XX/XX/XXXX |
Resolved-Credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7204381 | N/A | N/A | |||
| XXXX | XXXX | 10089001 | Closed | 2026-01-23 13:44 | 2026-02-04 06:21 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient credit report. | Resolved-Original credit report received and in file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report dated Oct X has been uploaded. - Seller-XX/XX/XXXX Open-The credit report in file on page XXX is dated XX/XX/XXXX. The Note and closing date of the loan is XX/XX/XXXX. The credit report used for qualification of the loan and dated prior to the loan closing is missing from the loan file. Please provided the valid credit report dated prior to the closing date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report dated Oct X has been uploaded. - Seller-XX/XX/XXXX |
Resolved-Original credit report received and in file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7278172 | N/A | N/A | |||
| XXXX | XXXX | 10089014 | Closed | 2026-01-21 04:19 | 2026-02-06 06:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Property tax is $XXXX, uploaded the evidence of tax. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax The loan file is missing the evidence of the property tax amount. Please provide the tax cert to verify payment. - Due Diligence Vendor-XX/XX/XXXX Open-Missing Evidence of Property Tax - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Property tax is $XXXX, uploaded the evidence of tax. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX.XXXX XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7197649 | N/A | N/A | |||
| XXXX | XXXX | 10089102 | Closed | 2026-02-20 22:47 | 2026-02-24 14:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-The documentation received was sufficient to resolve the finding. Notarized affidavit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Borrower is a US citizen, verified using the Driver's license at closing, uploaded citizenship affidavit. - Seller-XX/XX/XXXX Open-Borrower X Citizenship Documentation Is Missing in loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Borrower is a US citizen, verified using the Driver's license at closing, uploaded citizenship affidavit. - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. Notarized affidavit - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX-XXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7736167 | N/A | N/A | |||
| XXXX | XXXX | 10089102 | Closed | 2026-02-23 10:24 | 2026-02-24 14:14 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-The documentation received was sufficient to resolve the finding. Bank statement - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Bank statement with the ending date of XX/XX/XXXX has been uplaoded. - Seller-XX/XX/XXXX Open-Asset Qualification Does Not Meet Guideline Requirements XX XXXX statements provided for statement ending dates of XX/XX/XXXX and XX/XX/XXXX. Missing the required bank statement with the ending date of XX/XX/XXXX to meet the X- month consecutive asset statement required per the lender's guidelines. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Bank statement with the ending date of XX/XX/XXXX has been uplaoded. - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. Bank statement - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX - XXXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7758761 | N/A | N/A | |||
| XXXX | XXXX | 10089030 | Closed | 2026-01-21 01:07 | 2026-02-19 10:17 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The finding has been acknowledged by the seller and buyer. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. prepayment penalties No Specific Guidelines For XX State - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The finding has been acknowledged by the seller and buyer. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7196567 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10089059 | Closed | 2026-01-23 03:22 | 2026-02-04 02:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Title commitment uplaoded. - Seller-XX/XX/XXXX Open-Title Document is missing Title Document is missing. - Due Diligence Vendor-XX/XX/XXXX Open-Title Document is missing On page#XXX we have the title commitment document but in Schedules pages are misisng. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Title commitment uplaoded. - Seller-XX/XX/XXXX |
Resolved-Title doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XX.XXX | XX | Investment | Purchase | NA | 7263268 | N/A | N/A | |||
| XXXX | XXXX | 10089063 | Closed | 2026-01-23 02:00 | 2026-02-10 09:34 | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing disbursement date on final HUD-1 | Acknowledged-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-The HUD in the loan file reflected a disbursement date of XX/XX/XXXX and a notary date of XX/XX/XXXX. The receipt of the disbursement letter indicated the loan was not disbursed until XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Open-Provide updated HUDX as the one in file has disbursement as XX/XX/XXXX which is before the notary date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Documentation uploaded - XX/XX/XXXX |
Acknowledged-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-The HUD in the loan file reflected a disbursement date of XX/XX/XXXX and a notary date of XX/XX/XXXX. The receipt of the disbursement letter indicated the loan was not disbursed until XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX (X).XXX_XXXXX_ XXXXXX (X).XXX |
XX | Investment | Purchase | NA | 7262587 | Originator Post-Close | No | |||
| XXXX | XXXX | 10089064 | Closed | 2026-01-23 03:28 | 2026-02-18 12:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing disbursement date on final HUD-1 | Resolved-The documentation received was sufficient to resolve the finding. Ledger - Due Diligence Vendor-XX/XX/XXXX Counter- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Ledger provided indicates loan disbursed prior to notary date. Provide updated settlement statement with revised disbursement and notary date. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. As discussed, disbursement ledger uploaded. - Seller-XX/XX/XXXX Open-Provide the final settlement statement with the correct disburse date that is in line with the notary and closing date. - Due Diligence Vendor-XX/XX/XXXX Open-Provide updated HUDX as the one in file has disbursement as XX/XX/XXXX which is before the notary date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. As discussed, disbursement ledger uploaded. - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. Ledger - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX (X).XXX | XX | Investment | Purchase | NA | 7263393 | N/A | N/A | |||
| XXXX | XXXX | 10089065 | Closed | 2026-01-23 06:36 | 2026-02-06 15:42 | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing disbursement date on final HUD-1 | Acknowledged-The HUD in the loan file reflected a disbursement date of XX/XX/XXXX and a notary date of XX/XX/XXXX. The receipt of the disbursement letter indicated the loan was not disbursed until XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. As discussed with XXX, uploaded the ledger for the date difference. - Seller-XX/XX/XXXX Open-The provided HUD-X Settlement Statement shows a Disbursement Date of XX/XX/XXXX. However, the Notary Date on closing documents show this loan didn't actually close until XX/XX/XXXX. The loan disbursed before it actually closed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. As discussed with XXX, uploaded the ledger for the date difference. - Seller-XX/XX/XXXX |
Acknowledged-The HUD in the loan file reflected a disbursement date of XX/XX/XXXX and a notary date of XX/XX/XXXX. The receipt of the disbursement letter indicated the loan was not disbursed until XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX | XX | Investment | Purchase | NA | 7266009 | Originator Post-Close | No | |||
| XXXX | XXXX | 10089075 | Closed | 2026-01-23 06:35 | 2026-02-04 03:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Additional assets provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Bank statement with sufficient liquidity to cover the closing costs uplaoded. - Seller-XX/XX/XXXX Open-Qualifying Total Reserves Number of Months 'X.XX' cannot be less than Required Months of Subject Property Reserves 'X'. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Sufficient Assets are not available - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Bank statement with sufficient liquidity to cover the closing costs uplaoded. - Seller-XX/XX/XXXX |
Resolved-Additional assets provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX - XXXXXXXX.XXX_XXXXX_ XXXX XXXXXXXXX - XXXXXXX (X).XXX |
XX | Investment | Purchase | NA | 7265998 | N/A | N/A | |||
| XXXX | XXXX | 10089077 | Closed | 2026-02-03 11:34 | 2026-02-17 06:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Documentation is sufficient to resolve the finding. Updated lease - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Counter-The lease agreement in the loan file is not complete, it is not executed. Pages X- XX are missing as the lease states it is XX page document and the file only has page X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-There's no page missing. Its just a typo error - Seller-XX/XX/XXXX Open-The loan file contains page X of XX of the lease agreement. The loan file is missing pages X-XX of the lease agreement for XXX XXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
Document uploaded - XX/XX/XXXX Ready for Review-There's no page missing. Its just a typo error - Seller-XX/XX/XXXX |
Resolved-Documentation is sufficient to resolve the finding. Updated lease - Due Diligence Vendor-XX/XX/XXXX |
X.) XXXXXXX XXXXXXX XXX XXXX XXX_.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7423207 | N/A | N/A | |||
| XXXX | XXXX | 10089077 | Closed | 2026-02-03 11:33 | 2026-02-06 07:52 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Client has provide the operating agreement for XXX XXXXXXXXXX & XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The loan file is missing the operating agreement for XXX XXXXXXXXXX & XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Client has provide the operating agreement for XXX XXXXXXXXXX & XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX (X).XXX_XXXXX_ XXXXXXXXX XXXXXXXXX (X).XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7423183 | N/A | N/A | |||
| XXXX | XXXX | 10089098 | Closed | 2026-01-24 23:42 | 2026-02-09 10:06 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated title doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final policy covering loan has been uplaoded - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final policy covering loan has been uplaoded - Seller-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated title doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXXX (X).XXX | XX | Investment | Refinance | Cash Out - Other | 7283637 | N/A | N/A | |||
| XXXX | XXXX | 10089098 | Closed | 2026-01-25 00:01 | 2026-02-09 10:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Tax is sourced from the appraisal $XXXX. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax There is no documentation in file to confirm the $XXX.XX/month in taxes. The XXXXX doc and tax map are missing pages X-X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Tax is sourced from the appraisal $XXXX. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7283648 | N/A | N/A | ||||
| XXXX | XXXX | 10089020 | Closed | 2026-01-25 23:17 | 2026-02-19 10:05 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The finding has been acknowledged by the seller and buyer. - Due Diligence Vendor-XX/XX/XXXX Counter-Document Uploaded. Please see uploaded document. The issue carries assignability; therefore, the issue is not out of scope. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Out of guidleines scopoe, please discuss with XX - Seller-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. The Note has a Prepayment Penalty. As per State Regulations, prepayment penalties are only allowed for loans signed by a Corporation. The borrowing Business Entity is a XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Out of guidleines scopoe, please discuss with XX - Seller-XX/XX/XXXX |
Acknowledged-The finding has been acknowledged by the seller and buyer. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXXX XXXXXXXX XXXX-XX.XXX | XX | Investment | Purchase | NA | 7289163 | Originator Post-Close | No | |||
| XXXX | XXXX | 10089020 | Closed | 2026-01-26 17:17 | 2026-02-19 06:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreements provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Leases uplaoded. - Seller-XX/XX/XXXX Counter-As per XXXXXXXXXX XX/XXXX, page XX, "Gross Rental Income is defined as the lower of: Actual monthly rent from the executed Lease Agreement for leased properties: verified through rent collections. Calculated on a per unit basis for X-X unit properties or XXX% of Market Rent for unleased properties (Purchase loans only)". The appraisals in the file show all X properties are Tenant Occupied. There are not Lease Agreements in file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is a purchase transaction, rent is based on the market rent. - Seller-XX/XX/XXXX Open-The appraisals in the file show all X properties are Tenant Occupied. There are not Lease Agreements in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Leases uplaoded. - Seller-XX/XX/XXXX Ready for Review-This is a purchase transaction, rent is based on the market rent. - Seller-XX/XX/XXXX |
Resolved-Lease agreements provided. - Due Diligence Vendor-XX/XX/XXXX |
X X. XXX XXXXXX - XXXXXXXXX - XX (X).XXX_XXXXX_ XXX X. XXX XXXXXX - XXXXXXXXX - XX (X).XXX_XXXXX_ XXX X. XXXXXX XXXXXX - XXXXXXXXX - XX (X).XXX_XXXXX_ XXXX X. XXXXX XXXXXX - XXXXXXXXX - XX (X).XXX_XXXXX_ XXX X. XXX XXXXXX - XXXXXXXXX - XX (X).XXX |
XX | Investment | Purchase | NA | 7305132 | N/A | N/A | |||
| XXXX | XXXX | 10089031 | Closed | 2026-01-26 01:18 | 2026-02-19 10:20 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The finding has been acknowledged by the seller and buyer. - Due Diligence Vendor-XX/XX/XXXX Counter-Escalated to management. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is out of our guidelines scope,please discuss with XX and clear. - Seller-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. The Note has a Prepayment Penalty. As per State Regulations, prepayment penalties are only allowed for loans signed by a Corporation. The borrowing Business Entity is a XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is out of our guidelines scope,please discuss with XX and clear. - Seller-XX/XX/XXXX |
Acknowledged-The finding has been acknowledged by the seller and buyer. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7289977 | Originator Post-Close | No | ||||
| XXXX | XXXX | 10089031 | Closed | 2026-01-26 21:20 | 2026-02-11 08:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO6 Master Insurance Policy is Partial | Resolved-The Rent Loss for units is provided below in comments. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. These property are part of multifamily builiding and is covered under the XXX blanket policy. Property coverage cannot be broken out per unit. Please speak with insurance expert regard XXX properties and DPX coverage. The borrower is covered under the XXX coverage which carry up to $XX,XXX,XXX dollars on agreed valued basis and property is covered on a RC basis based. The HOX is providing loss of income on blanket basis for all units up to $XXX,XXX total value which is enough to cover all units for the year in case of a total loss, with small portion for units walls in for any other damage needed. You can't request per location breakout on a master policy on agreed value because its based on a loss basis. - Seller-XX/XX/XXXX Counter-The attached Invoice shows a breakdown of the Premium amounts, however not the breakdown of the dwelling coverage and rent loss amounts allocated to each individual property. The HOX policy on page #XXXX covers all X properties but does not include a breakdown of the dwelling coverage and rent loss amounts allocated to each individual property. Provide an updated HOX insurance policy that includes the dwelling coverage and rent loss amounts for each property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Be advised this is a master policy cotaining only the units the premium breakdown is the total premium divided by X exact same locations. - Seller-XX/XX/XXXX Open-The HOX policy on page #XXXX covers all X properties but does not include a breakdown of the premium and rent loss amounts allocated to each individual property. Provide an updated HOX insurance policy that includes the premium and rent loss amounts for each property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. These property are part of multifamily builiding and is covered under the XXX blanket policy. Property coverage cannot be broken out per unit. Please speak with insurance expert regard XXX properties and DPX coverage. The borrower is covered under the XXX coverage which carry up to $XX,XXX,XXX dollars on agreed valued basis and property is covered on a RC basis based. The HOX is providing loss of income on blanket basis for all units up to $XXX,XXX total value which is enough to cover all units for the year in case of a total loss, with small portion for units walls in for any other damage needed. You can't request per location breakout on a master policy on agreed value because its based on a loss basis. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Be advised this is a master policy cotaining only the units the premium breakdown is the total premium divided by X exact same locations. - Seller-XX/XX/XXXX |
Resolved-The Rent Loss for units is provided below in comments. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXX XXXXXXX XXXX XXXXXX.XXX_XXXXX_ XXXXX XX - XXXX#XXXXXX- XXXXXXXX.XXX_XXXXX_ XXXX #XXXXXX- XX XXXXXXXXXX XXXXX XXX.XXX |
XX | Investment | Refinance | Cash Out - Other | 7305899 | N/A | N/A | |||
| XXXX | XXXX | 10089031 | Closed | 2026-01-27 10:15 | 2026-02-06 07:53 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. The borrowing entity Employer Identification Number XXX document is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7314966 | N/A | N/A | |||
| XXXX | XXXX | 10089031 | Closed | 2026-01-27 11:26 | 2026-02-06 07:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Open-The Appraisal for XXXX Tenant Occupied. File is missing Lease Agreement. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7316386 | N/A | N/A | |||||
| XXXX | XXXX | 10089032 | Closed | 2026-01-27 09:58 | 2026-02-10 08:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-The provided hazard insurance document has been reviewed and confirmed. LM has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached premium breakdown. This is a master policy where premium is equally shared for each location insured for the same exact limit amount each. - Seller-XX/XX/XXXX Open-The provided insurance policies do not list the individual premium paid for each property - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached premium breakdown. This is a master policy where premium is equally shared for each location insured for the same exact limit amount each. - Seller-XX/XX/XXXX |
Resolved-The provided hazard insurance document has been reviewed and confirmed. LM has been updated to reflect. LM has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX XXXXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7314556 | N/A | N/A | |||
| XXXX | XXXX | 10083061 | Closed | 2026-01-21 03:24 | 2026-02-03 12:27 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-Document Uploaded. COC along with the screen shot below from the Initial LE reflecting the additional charges in box B - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC along with the screen shot below from the Initial LE reflecting the additional charges in box B - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Electronic Document Delivery Fee, Lender’s Title Policy, Settlement or Closing Fee, Title Examination. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Provide COC for initial CD dated XX/XX/XXXX ( section B fees changed from redisclosed LE to Initial CD) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COC along with the screen shot below from the Initial LE reflecting the additional charges in box B - Seller-XX/XX/XXXX |
Resolved-Document Uploaded. COC along with the screen shot below from the Initial LE reflecting the additional charges in box B - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX.XXX_XXXXX_ XXXXX - XXX XXXXXXX XX.XXX |
XX | Primary Residence | Refinance | Cash Out - Other | 7197257 | N/A | N/A | |||
| XXXX | XXXX | 10083080 | Closed | 2026-01-22 04:04 | 2026-02-02 11:22 | Waived | 1 - Information | C | A | Compliance | Fees:Limited | XXXX- Maximum Lender Fees (01/09) | Waived-Per XXXX DFI - X%/X% RCW is outdated and does not apply to creditors, as defined in TILA. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Waived-Per XXXX DFI - X%/X% RCW is outdated and does not apply to creditors, as defined in TILA. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Response, XX & Net Tangible Benefits - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Under the Washington Consumer Loan Act, a lender may not charge a "loan origination fee" exceeding X% of the first $XX,XXX and X% thereafter of the remaining loan amount. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX(X)). Loan failed for Washington - Maximum Lender Fees loan origination fee exceeding X% of the first $XX,XXX and X% thereafter of the remaining loan amount. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Response, XX & Net Tangible Benefits - Seller-XX/XX/XXXX |
Waived-Per XXXX DFI - X%/X% RCW is outdated and does not apply to creditors, as defined in TILA. - Due Diligence Vendor-XX/XX/XXXX Waived-Per XXXX DFI - X%/X% RCW is outdated and does not apply to creditors, as defined in TILA. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXX XXX XXXXXXX.XXX_XXXXX_ XXXXXXXX.XXX_XXXXX_ XXXXXX XXXXXXXXXX XXXXXXXX.XXX |
XX | Primary Residence | Refinance | Cash Out - Other | 7237173 | Originator Post-Close | No | |||
| XXXX | XXXX | 10083080 | Closed | 2026-01-22 03:26 | 2026-01-29 00:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7236931 | N/A | N/A | |||
| XXXX | XXXX | 10083080 | Closed | 2026-01-22 04:04 | 2026-01-27 10:44 | Resolved | 1 - Information | C | A | Compliance | Mavent | Fees: Limited | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) Loan failed for Foreclosure Prevention Fee as per final cd page XX there is no $XX foreclosure prevention fee in title section, Provide Foreclosure prevention document as its missing in file. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | 7237172 | N/A | N/A | |||||
| XXXX | XXXX | 10083085 | Closed | 2026-02-23 13:29 | 2026-02-23 13:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Document Uploaded. Loan does not conform to program guidelines Exception is for not having leases for the investment properties being used for positive income - Due Diligence Vendor-XX/XX/XXXX Open-Loan does not conform to program guidelines Exception is for not having leases for the investment properties being used for positive income - Due Diligence Vendor-XX/XX/XXXX |
Waived-Document Uploaded. Loan does not conform to program guidelines Exception is for not having leases for the investment properties being used for positive income - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XX.XXX | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X.XX%. XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7763375 | Originator Pre-Close | Yes | |||
| XXXX | XXXX | 10083085 | Closed | 2026-01-25 12:15 | 2026-02-23 13:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received updated XXXX and XXXX and exception to use income without docs - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Counter-XXXX needs to be updated for the subject property Rent loss at XX,XXX.XX will place back end DTI over XX% needs to reflect X,XXX.XX as is what is reflected on the XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX/XXXX and Exception Approval - Seller-XX/XX/XXXX Counter-Need the leases and proof of rents for the following properties since using rental income with two months receipt for each property XXX County XXXXX XXX XXX XX XXXXX XXXX XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. We don’t normally get request for Rental Income worksheets unless we are using tax returns to calculate income. Attached is a screenshot of all the properties showing the rents being used for each, this is something taken off the XXXX normally. - Seller-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Worksheet for the rental income is missing from the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX/XXXX and Exception Approval - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. We don’t normally get request for Rental Income worksheets unless we are using tax returns to calculate income. Attached is a screenshot of all the properties showing the rents being used for each, this is something taken off the XXXX normally. - Seller-XX/XX/XXXX |
Resolved-Received updated XXXX and XXXX and exception to use income without docs - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXX.XXX_XXXXX_ XXXXXXXXX XXXXXXXX.XXX_XXXXX_ XXXX.XXXX.XXX_XXXXX_ XXXXXX XXXXXX XXXXXXX XXXX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7284679 | N/A | N/A | |||
| XXXX | XXXX | 10083085 | Closed | 2026-01-22 10:59 | 2026-01-26 09:08 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXX XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7248824 | N/A | N/A | |||
| XXXX | XXXX | 10106279 | Closed | 2026-01-28 01:11 | 2026-02-11 06:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Document identified by the lender as the Settlement Statement was provided. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Provide Final HUD-X document which is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Document identified by the lender as the Settlement Statement was provided. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7324509 | N/A | N/A | |||
| XXXX | XXXX | 10106281 | Closed | 2026-01-31 09:35 | 2026-02-24 09:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax value is based on the tax values of XXXX, this will be adjusted by the servier, pleae post it as a data discrepancy and post it to MS. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Per the title and tax certificate, the tax amount is listed as $XXX.XX (or $X,XXX.XX semi-annually). However, the final HUD-X reflects a tax amount of $XXX.XX (or $X,XXX.XX semi-annually). Provide supporting documentation that verifies the $XXX.XX tax amount shown on the final HUD-X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax value is based on the tax values of XXXX, this will be adjusted by the servier, pleae post it as a data discrepancy and post it to MS. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX.XXXXX XXXXXXXXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7387683 | N/A | N/A | |||
| XXXX | XXXX | 10106281 | Closed | 2026-02-03 17:50 | 2026-02-12 08:29 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Confirmation provided actual loss sustained coverage in place. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please find attached email confirmation from the insurance agent at XXXXX XXXXX, confirming that the Rent Loss coverage for the policy on XXXXX XXXXXXXXX XXX is written on an Actual Loss Sustained basis. - Seller-XX/XX/XXXX Open-Rent loss coverage not provided/confirmed per policy coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please find attached email confirmation from the insurance agent at XXXXX XXXXX, confirming that the Rent Loss coverage for the policy on XXXXX XXXXXXXXX XXX is written on an Actual Loss Sustained basis. - Seller-XX/XX/XXXX |
Resolved-Confirmation provided actual loss sustained coverage in place. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX (X)-X-X.XXX | XX | Investment | Refinance | Cash Out - Other | 7427986 | N/A | N/A | |||
| XXXX | XXXX | 10106289 | Closed | 2026-01-28 03:51 | 2026-02-13 00:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Flood insurance premium is Missing in flood document, provided updated Flood insurance, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The Invoice of insurance and flood which tie's the HUD. Uploaded the same - Seller-XX/XX/XXXX Open-Flood Insurance premium is missing in Flood Insurance policy document pg#XXX. Provide updated Flood Insurance policy document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The Invoice of insurance and flood which tie's the HUD. Uploaded the same - Seller-XX/XX/XXXX |
Resolved-Flood insurance premium is Missing in flood document, provided updated Flood insurance, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXXXXX XX XXX_XXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7325281 | N/A | N/A | |||
| XXXX | XXXX | 10106294 | Closed | 2026-02-01 01:26 | 2026-02-18 09:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Confirmed Insurance listed on HUD is hazard insurance amount. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The insurance amount of $XXX.XX, collected is the X months reserve of the hazard inurance and not mortage insurace. i,e - $X,XXX.X/XX*X - Seller-XX/XX/XXXX Open-Closing Doc is Missing. The HUD-X in file shows $XXX.XX as mortgage insurance, but the loan has no MI. This appears to be hazard insurance. Provide an updated HUD-X/settlement statement with correct insurance info. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The insurance amount of $XXX.XX, collected is the X months reserve of the hazard inurance and not mortage insurace. i,e - $X,XXX.X/XX*X - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Confirmed Insurance listed on HUD is hazard insurance amount. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7388457 | N/A | N/A | ||||
| XXXX | XXXX | 10106296 | Closed | 2026-01-28 01:39 | 2026-02-13 06:11 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX Resolved-Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Partially Present. Credit report date of XX-XX-XXXX is after the note date of XX-XX-XXXX. Provide the credit report prior to consummation of the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX Resolved-Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXX.XXX | XX | Investment | Purchase | NA | 7324590 | N/A | N/A | |||
| XXXX | XXXX | 10106296 | Closed | 2026-01-28 02:00 | 2026-02-13 04:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-LTV Exceeds GL minimum LTV of XX% for Fico <XXX i.e., XXX, provided Credit report with Fico >XXX, i.e., XXX, Max LTV is XX% which meets GL's, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report with XXX FICO uploaded - Seller-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV Per guideline page X, the maximum LTV allowed for a purchase transaction is XX% when the FICO score is between XXX and XXX. However, the loan file reflects a FICO score of XXX with an LTV of XX%, which exceeds the maximum allowable LTV of XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report with XXX FICO uploaded - Seller-XX/XX/XXXX |
Resolved-LTV Exceeds GL minimum LTV of XX% for Fico <XXX i.e., XXX, provided Credit report with Fico >XXX, i.e., XXX, Max LTV is XX% which meets GL's, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXX.XXX | XX | Investment | Purchase | NA | 7324640 | N/A | N/A | |||
| XXXX | XXXX | 10106299 | Closed | 2026-02-11 07:33 | 2026-02-24 07:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Rent increase was provided. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Rent has been increased from $XXX per month to $XXX. - Seller-XX/XX/XXXX Counter-Lease Agreements received. The Lease for Unit #X is stated, per the document [XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.PDF], to be $XXX per month. However, qualifying rent for that unit appears to be $XXX. Additional information needed to clear this discrepancy. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Lease docs for all X units uploaded. - Seller-XX/XX/XXXX Open-Property is a X-unit dwelling. Lease Agreements received for Units XXXX Lease Agreement is missing for XXXX. Audit is unable to determine the qualifying rent the lender used with the documents provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Rent has been increased from $XXX per month to $XXX. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Lease docs for all X units uploaded. - Seller-XX/XX/XXXX |
Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Rent increase was provided. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX_XXXXXXXX_XXXXXXX_X_XXXX_XXXXXX (X).XXX | XX | Investment | Purchase | NA | 7558110 | N/A | N/A | |||
| XXXX | XXXX | 10106300 | Closed | 2026-02-04 13:19 | 2026-02-18 06:13 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received secondary updated property page - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary valuation uploaded. XXXX - Seller-XX/XX/XXXX Open-LTV is at XX% and XXXX exterior is missing from the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary valuation uploaded. XXXX - Seller-XX/XX/XXXX |
Resolved-Received secondary updated property page - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX.XXX XXXXX XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7447393 | N/A | N/A | |||
| XXXX | XXXX | 10106304 | Closed | 2026-02-04 14:06 | 2026-02-13 08:38 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-XXXXXXXX xxXXXX uploaded Shareholder agreement Borrower XXX% Member XXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Business bank statements in file, no lox as borrower has access or ownership for the same, Provided Operating agreement, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements XXXXXXXXX xxXXXX missing documentation Borrower is Member or has XXX% Access to funds from Account Holder XXXXXXX XXX D/B/A XXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX |
Resolved-XXXXXXXX xxXXXX uploaded Shareholder agreement Borrower XXX% Member XXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Business bank statements in file, no lox as borrower has access or ownership for the same, Provided Operating agreement, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX XXXXXXXXX XXXXXXX (X) (X).XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7448200 | N/A | N/A | |||
| XXXX | XXXX | 10106304 | Closed | 2026-02-04 14:21 | 2026-02-13 08:38 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-XXXXXXXX xxXXXX uploaded Shareholder agreement Borrower XXX% Member XXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Business bank statements in file, no lox as borrower has access or ownership for the same, Provided Operating agreement, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements XXXXXXXXX xxXXXX missing documentation Borrower is Member or has XXX% Access to funds from Account Holder XXXXXXXXX XXX D/B/A XXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX |
Resolved-XXXXXXXX xxXXXX uploaded Shareholder agreement Borrower XXX% Member XXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Business bank statements in file, no lox as borrower has access or ownership for the same, Provided Operating agreement, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX XXXXXXXXX XXXXXXXX (X) (X).XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7448663 | N/A | N/A | |||
| XXXX | XXXX | 10106305 | Closed | 2026-01-28 04:36 | 2026-03-02 15:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Requested EAN card provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. ID proof uplaoded - Seller-XX/XX/XXXX Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower is permanent resident but permanent resident card is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. ID proof uplaoded - Seller-XX/XX/XXXX |
Resolved-Requested EAN card provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Purchase | NA | 7325684 | N/A | N/A | |||
| XXXX | XXXX | 10106305 | Closed | 2026-01-28 04:47 | 2026-02-18 05:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Purchase Contract | Resolved-The complete purchase contract was received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete contract uplaoded. - Seller-XX/XX/XXXX Counter-The document provided is still only X page - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Purchase contract uploaded. - Seller-XX/XX/XXXX Open-Loan type is purchase but we have only one page of purchase contract in file, complete purchase contract is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete contract uplaoded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Purchase contract uploaded. - Seller-XX/XX/XXXX |
Resolved-The complete purchase contract was received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXX XXXX XXX XXXXXXXXX.XXXX XXXXX XXXXXXXXX XXXXXX.XXX_XXXXX_ XXXXXXXX XXXXXXXX XXXX XXX XXXXXXXXX.XXXX XXXXX XXXXXXXXX XXXXXX (X).XXX |
XX | Investment | Purchase | NA | 7325771 | N/A | N/A | |||
| XXXX | XXXX | 10106306 | Closed | 2026-02-04 14:18 | 2026-02-13 07:25 | Resolved | A | A | Data Edit | Data Edit | Liquid Funds Post-Close is less than $0 | Resolved-There are Shortage of reserves, Provided updated bank statement, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Liquid Funds Post Close is greater than $X (Liquid Funds Post Close is $XXXX.XX) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HUD reflects the cash from borrower amount. Liquidity also sufficient, submitted the docs as well - Seller-XX/XX/XXXX Open-Liquid fund post close is less than X As per the settlement statement in the loan file, the borrower needed $XX,XXX.XX for closing and the loan file verifies $XX,XXX.XX therefore the borrower is short funds to close in the amount of $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HUD reflects the cash from borrower amount. Liquidity also sufficient, submitted the docs as well - Seller-XX/XX/XXXX |
Resolved-There are Shortage of reserves, Provided updated bank statement, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Liquid Funds Post Close is greater than $X (Liquid Funds Post Close is $XXXX.XX) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXX XXXX XXXXXXXX_XXXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7448622 | N/A | N/A | ||||
| XXXX | XXXX | 10106306 | Closed | 2026-02-01 22:27 | 2026-02-13 01:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-There are Shortage of reserves, Provided updated bank statement, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The borrower is required to have X months of PITIA reserves. The loan file documents X months reserves on the settlement statement however the borrower is short $XXXX.XX or X months in reserves. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-There are Shortage of reserves, Provided updated bank statement, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXXXX (X).XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7391205 | N/A | N/A | |||
| XXXX | XXXX | 10106309 | Closed | 2026-01-28 03:35 | 2026-02-11 02:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX XXXXX is not a guarantor, which is why there is no credit report. Uploaded credit report for XXX XXXXXXX, credit report dated XX/XX/XXXX. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Provide credit report before closing date. Provided credit report XX/XX/XXXX is after note date XX/XX/XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX XXXXX is not a guarantor, which is why there is no credit report. Uploaded credit report for XXX XXXXXXX, credit report dated XX/XX/XXXX. - Seller-XX/XX/XXXX |
Resolved-Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7325177 | N/A | N/A | |||
| XXXX | XXXX | 10106309 | Closed | 2026-02-11 02:22 | 2026-02-11 02:23 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7553263 | N/A | N/A | |||||
| XXXX | XXXX | 10106310 | Closed | 2026-01-30 12:33 | 2026-02-17 14:07 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance policy in file expires within 6 months of the note date. | Resolved-The client has provided the updated dec pages for the HOI to confirm coverage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. Check Special conditions where it list that coverage is from XX/XX/XXXX-XX/XX/XXXX for renewal and current coverage approved for this loan term for XX/XX/XXXX - XX/XX/XXXX both files have the policy term on the bottom because its a binder file. - Seller-XX/XX/XXXX Open-The file contains numerous HOI policies. There is one for the time frame of XX/XX/XXXX to XX/XX/XXXX. There is also a policy from XX/XX/XX to XX/XX/XX and XX/XX/XX to XX/XX/XXXX. The policies in the file expire within X months of the note date. The file is missing the renewal policy from XX/XX/XX to .X/XX/XXXX with rent loss coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached. Check Special conditions where it list that coverage is from XX/XX/XXXX-XX/XX/XXXX for renewal and current coverage approved for this loan term for XX/XX/XXXX - XX/XX/XXXX both files have the policy term on the bottom because its a binder file. - Seller-XX/XX/XXXX |
Resolved-The client has provided the updated dec pages for the HOI to confirm coverage. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXX XXXX XX-XX.XXX_XXXXX_ XXXX XXXXXXX XXXX XXXXXXX XX.XXX |
XX | Investment | Refinance | Cash Out - Other | 7380939 | N/A | N/A | |||
| XXXX | XXXX | 10106312 | Closed | 2026-02-04 14:18 | 2026-02-18 08:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved rent is at XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Agreed to the monthly rent of $XXXX. - Seller-XX/XX/XXXX Open-Need updated lease showing rents at XXXX. One in file is showing XXXX. Based on tape DSCR is at X.XXX is using rents at XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Agreed to the monthly rent of $XXXX. - Seller-XX/XX/XXXX |
Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved rent is at XXXX - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7448618 | N/A | N/A | ||||
| XXXX | XXXX | 10106312 | Closed | 2026-02-04 14:19 | 2026-02-18 06:26 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal 2 missing | Resolved-Received secondary updated property page - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary XXXX valuation uploaded. - Seller-XX/XX/XXXX Open-LTV is at XX% and XXXX exterior appraisal is missing from the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary XXXX valuation uploaded. - Seller-XX/XX/XXXX |
Resolved-Received secondary updated property page - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX.XX XXXXXXX XX.XXX | XX | Investment | Refinance | Cash Out - Other | 7448630 | N/A | N/A | |||
| XXXX | XXXX | 10106313 | Closed | 2026-01-28 10:50 | 2026-02-11 07:41 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Lender used the RCE from the Appraisal. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded RCE, which appears $XXX,XXX and the Insurance coverage ($XXXK) is over the RCE. It looks good - Seller-XX/XX/XXXX Open-Provide RCE document as hazard coverage amount of $XXX,XXX is less than the loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded RCE, which appears $XXX,XXX and the Insurance coverage ($XXXK) is over the RCE. It looks good - Seller-XX/XX/XXXX |
Resolved-Lender used the RCE from the Appraisal. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXX.XXX | XX | Investment | Purchase | NA | 7334499 | N/A | N/A | |||
| XXXX | XXXX | 10106314 | Closed | 2026-01-28 08:00 | 2026-02-25 11:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Closing detail Statement is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Fundign statement uplaoded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Provide final HUDX or settlement statement as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Fundign statement uplaoded. - Seller-XX/XX/XXXX |
Resolved-Closing detail Statement is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7328917 | N/A | N/A | |||
| XXXX | XXXX | 10106314 | Closed | 2026-01-28 08:19 | 2026-02-10 06:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per XXXXXXXXXX, a minimum of X months of reserves is required; however, the loan file currently reflects only X.XX months of reserves. The final HUDX is missing from the file, and a separate finding is already in place. Once the final HUDX is received, the cash-to-close amount will be updated, and XX% of that amount will be applied toward reserves. In addition, the PXI reserves, tax reserves, and insurance reserves will be updated based on the final HUD and will also be applied toward the reserve calculation. Once these updates are made, the minimum reserve requirement will be met, and this finding will be cleared. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
XXXXXXX XXXXXXX (X)-XX.XXX | XX | Investment | Refinance | Cash Out - Other | 7329771 | N/A | N/A | ||||
| XXXX | XXXX | 10106314 | Closed | 2026-01-28 08:10 | 2026-02-10 00:37 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Requested rent loss provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Page X of the uplaoded Insurance section D of the coverages has mentioned Fair rental value - Actual Loss sustained - which covers the rental losses, this should be good. - Seller-XX/XX/XXXX Open-Hazard insurance in file shows loss of rents as 'Actual Loss'. However, the policy does not state any amount or timeframe of coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Page X of the uplaoded Insurance section D of the coverages has mentioned Fair rental value - Actual Loss sustained - which covers the rental losses, this should be good. - Seller-XX/XX/XXXX |
Resolved-Requested rent loss provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX (X).XXX | XX | Investment | Refinance | Cash Out - Other | 7329363 | N/A | N/A | |||
| XXXX | XXXX | 10106319 | Closed | 2026-02-02 23:37 | 2026-02-24 13:14 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. . - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7410350 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10106319 | Closed | 2026-02-03 03:27 | 2026-02-12 06:22 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Rent loss provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The Rent loss has been cleared factored in the binder. Attached the snippet of the same - Seller-XX/XX/XXXX Open-Hazard Insurance on page#XXX does not include Business Interruption / Rent-Loss Coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The Rent loss has been cleared factored in the binder. Attached the snippet of the same - Seller-XX/XX/XXXX |
Resolved-Rent loss provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXX XXXX_XXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7411529 | N/A | N/A | |||
| XXXX | XXXX | 10106322 | Closed | 2026-01-28 09:30 | 2026-02-11 02:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated asset statements provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. We have got $XXK from XXXXXXXXX Xxxx XXX ending balance XXXXXXXX XX XXXXXXX Dec month ending balance is close to XXk which in total $XXK, that is suffice - Seller-XX/XX/XXXX Open-Per XXXXXXXXXX, minimum X months reserves are required, however the loan file has reserves for only X.XX months. Provide additional assets to meet minimum reserve requirement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. We have got $XXK from XXXXXXXXX Xxxx XXX ending balance XXXXXXXX XX XXXXXXX Dec month ending balance is close to XXk which in total $XXK, that is suffice - Seller-XX/XX/XXXX |
Resolved-Updated asset statements provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX - XXXXXXX (X).XXX_XXXXX_ XXXX XXXXXXXXX - XXXXXXXX (X).XXX_XXXXX_ XXXXX_XXXX-XX-XX.XXX_XXXXX_ XXXX XX XXXXXXX XXXX XXXXXXXXX XX-XX-XXX.XXX_XXXXX_ XXXXX_XXXX-XX-XX.XXX_XXXXX_ XXXX XXXXXXXXX - XX-XX-XXXX- XXXXXXXXX XXXXXXX XXXX .XXX |
XX | Investment | Purchase | NA | 7332407 | N/A | N/A | |||
| XXXX | XXXX | 10106325 | Closed | 2026-01-28 09:01 | 2026-02-10 06:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Provide Final HUD-X document which is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXX (X)-XX.XXX | XX | Investment | Refinance | Cash Out - Other | 7331573 | N/A | N/A | |||
| XXXX | XXXX | 10106329 | Closed | 2026-02-03 00:17 | 2026-02-24 16:03 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Revised HUD uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Settlement statement has disbursement date XX/XX/XXXX which is before the closing date XX/XX/XXXX. need updated settlement statement to verify - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Revised HUD uploaded. - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX - XXXX-XX-XXXXXXXXX.XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7410559 | N/A | N/A | |||
| XXXX | XXXX | 10106331 | Closed | 2026-02-02 23:18 | 2026-02-12 08:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Property Tax Cert is missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX.XXX-XXX XXXXX XXXXXX (X).XXX_XXXXX_ XXX-XXX XXXXX XXXXXX, XXXXXX-XXXXX XXXXXXXX XXX (X).XXX_XXXXX_ XXXXXX.XXXXXXX.XXX-XXX XXXXX XXXXXX.XXX_XXXXX_ XXX-XXXXXXXXXXXX.XXX_XXXXX_ XXXXXX.XXXXXXX.XXX-XXX XXXXX XXXXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | 7410290 | N/A | N/A | |||
| XXXX | XXXX | 10106337 | Closed | 2026-01-29 04:00 | 2026-02-11 02:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Additional assets of HUD-X provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. There is a cashout of $XX,XXX.XX which is enough to close this deal. Uploaded HUD of the same - Seller-XX/XX/XXXX Open-Per XXXXXXXXXX, minimum X months reserves are required, however the loan file doesn't have any reserves. Provide additional assets to meet minimum reserve requirement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. There is a cashout of $XX,XXX.XX which is enough to close this deal. Uploaded HUD of the same - Seller-XX/XX/XXXX |
Resolved-Additional assets of HUD-X provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXXXXXXXX XXXXXXX XXXXXXXXX_XXXX XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7345493 | N/A | N/A | |||
| XXXX | XXXX | 10106346 | Closed | 2026-02-03 02:59 | 2026-02-12 07:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Tax Cert is Misisng - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX.XXXX XXXXX XXXX XX X.XXX | XX | Investment | Refinance | Cash Out - Other | 7411308 | N/A | N/A | |||
| XXXX | XXXX | 10106353 | Closed | 2026-02-03 03:55 | 2026-02-24 13:17 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7411705 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10106365 | Closed | 2026-02-05 11:44 | 2026-03-02 14:09 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Using actual loss sustained - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Be advised that coverage provided is XX% of building coverage which is part of the insurance coverage guidelines for policy terms. I have attached the sample policy of the business income used and coverage is $XXk is based on time of loss and will pay the net loss of the insured and not the gross rental value. Losses are based on submitted proof of rental income and determined by acual loss sustained. - Seller-XX/XX/XXXX Counter-The policy provided does not show XX months of rent loss coverage. The rental amount is $X,XXX monthly, therefore the coverage should reflect $X,XXX*XX=$XX,XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The Rent loss has been clearly factored in the binder. Attached the snippet of the same - Seller-XX/XX/XXXX Open-The monthly rent on the property will be $X,XXX. The rent loss insurance amount shown on the insurance policy is only for $XX,XXX. ROC requires XX months of rent loss insurance therefore the coverage needs to be at least $XX,XXX. Please provide policy that reflects adequate rental loss insurance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Be advised that coverage provided is XX% of building coverage which is part of the insurance coverage guidelines for policy terms. I have attached the sample policy of the business income used and coverage is $XXk is based on time of loss and will pay the net loss of the insured and not the gross rental value. Losses are based on submitted proof of rental income and determined by acual loss sustained. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. The Rent loss has been clearly factored in the binder. Attached the snippet of the same - Seller-XX/XX/XXXX |
Resolved-Using actual loss sustained - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXX XXXX_XXXXXXX.XXX_XXXXX_ XXXX XXXXXX.XXX_XXXXX_ XXXXXXXX-XXXXXX-XXX-XXXXX-XXXXXXX-XXXXXXXX-XXXX-XX-XX-XX-XX-XX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7473580 | N/A | N/A | |||
| XXXX | XXXX | 10106373 | Closed | 2026-01-30 01:40 | 2026-02-24 15:30 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Evidence of Property Tax Missing | Waived- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-The lender acknowledge they used a higher amount. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Annual tax is $XX, loan was qualified with a higher value based on the tax from the comparable properties to have a conservative DSCR, please post this as a data discrepancy to XXXXXX XXXXXXX. https://www.xxxxxx.com/homedetails/XXX-XXXXXX-XX-XXXX-XX-XXXXX/XXXXXXXX_zpid/ https://www.xxxxxx.com/homedetails/XXX-XXXXXXX-XX-XXXX-XX-XXXXX/XXXXXXXX_zpid/ https://www.xxxxxx.com/homedetails/XXX-XXXXXXX-XX-XXXX-XX-XXXXX/XXXXXXXX_zpid/ https://www.xxxxxx.com/homedetails/XXX-XXXXXXX-XX-XXXX-XX-XXXXX/XXXXXXXX_zpid/ - Seller-XX/XX/XXXX Counter-Alta statement shows $XXX.XX for three months collected which is $XXX.XX monthly. Total annual taxes $X,XXX.X. Tax document provided is for $XX.XX. Missing proof of taxes for $X,XXX.X annually, countered. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Provide tax cert document as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Annual tax is $XX, loan was qualified with a higher value based on the tax from the comparable properties to have a conservative DSCR, please post this as a data discrepancy to XXXXXX XXXXXXX. https://www.xxxxxx.com/homedetails/XXX-XXXXXX-XX-XXXX-XX-XXXXX/XXXXXXXX_zpid/ https://www.xxxxxx.com/homedetails/XXX-XXXXXXX-XX-XXXX-XX-XXXXX/XXXXXXXX_zpid/ https://www.xxxxxx.com/homedetails/XXX-XXXXXXX-XX-XXXX-XX-XXXXX/XXXXXXXX_zpid/ https://www.xxxxxx.com/homedetails/XXX-XXXXXXX-XX-XXXX-XX-XXXXX/XXXXXXXX_zpid/ - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Acknowledged-The lender acknowledge they used a higher amount. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX.XXX XXXXXXXX XXXXXX.XXX_XXXXX_ XXXXXX.XXXXXXX.XXX XXXXXXXX XXXXXX (X).XXX |
XX | Investment | Refinance | Cash Out - Other | 7365725 | Originator Post-Close | No | |||
| XXXX | XXXX | 10106383 | Closed | 2026-02-01 00:31 | 2026-02-24 13:49 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7388417 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10106385 | Closed | 2026-02-03 08:02 | 2026-02-12 07:21 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-The client has provided the missing QCD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Quitclaim Deed Uploaded - Seller-XX/XX/XXXX Open-Property Title Issue The loan file is missing the quit claim deed for the subject property from XXXXXXXXXXXX XXX to XXXXXX XXXXX XXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Quitclaim Deed Uploaded - Seller-XX/XX/XXXX |
Resolved-The client has provided the missing QCD. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7416193 | N/A | N/A | |||
| XXXX | XXXX | 10106385 | Closed | 2026-02-03 07:54 | 2026-02-12 07:20 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Client has provided the operating agreement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA Uploaded - Seller-XX/XX/XXXX Open-The loan file is missing the operating agreement for XXXXXX XXXXX XXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. OA Uploaded - Seller-XX/XX/XXXX |
Resolved-Client has provided the operating agreement. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX (X).XXX | XX | Investment | Refinance | Cash Out - Other | 7415902 | N/A | N/A | |||
| XXXX | XXXX | 10106393 | Closed | 2026-02-05 15:52 | 2026-02-18 18:28 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Operating agreement for XXXXXX XX uploaded - Seller-XX/XX/XXXX Open-Asset X Does Not Meet Guideline Requirements Missing documentation Borrower Member and has XXX% Access Funds Page XXX XXXXXX XX XXX XXXXXX to verify funds required to close and post close reserves. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Operating agreement for XXXXXX XX uploaded - Seller-XX/XX/XXXX |
Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XX-XXXXXXXXX XXXXXXXXX (X) (X) (X) (X).XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7478414 | N/A | N/A | |||
| XXXX | XXXX | 10106394 | Closed | 2026-01-30 23:22 | 2026-02-24 13:58 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. The Note includes a prepayment penalty and the borrowing entity is an LLC. However, under state regulations, prepayment penalties are permitted only on loans executed by a Corporation, not by an LLC - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7386628 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10106397 | Closed | 2026-02-05 15:25 | 2026-02-23 08:40 | Resolved | 1 - Information | C | A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Received credit report shows collection paid off. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Revised credit report uploaded showiing Open collection was resolved - Seller-XX/XX/XXXX Open-Open collection listed on the credit report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Revised credit report uploaded showiing Open collection was resolved - Seller-XX/XX/XXXX |
Resolved-Received credit report shows collection paid off. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7477704 | N/A | N/A | |||
| XXXX | XXXX | 10106282 | Closed | 2026-02-02 01:38 | 2026-02-10 00:16 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Requested initial credit report dated prior to note date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report used for approval uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Partially Present. BX credit report date of XX-XX-XXXX is after the note date of XX-XX-XXXX. Provide the credit report prior to consummation of the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report used for approval uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested initial credit report dated prior to note date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX (X).XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7391964 | N/A | N/A | |||
| XXXX | XXXX | 10106287 | Closed | 2026-02-03 08:36 | 2026-02-23 14:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Resolved-Is a purchase no lease for X XXXXXXXX XXXXXXXX using the market rents for this property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is a purchase transaction where the buyer had to inherent the lease in place. Risk mitigated with High FICO borrowers and high DSCR. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Lease in file for X XXXXXXXX XXXXXXXX has expired. Need the updated lease for this property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is a purchase transaction where the buyer had to inherent the lease in place. Risk mitigated with High FICO borrowers and high DSCR. - Seller-XX/XX/XXXX |
Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Resolved-Is a purchase no lease for X XXXXXXXX XXXXXXXX using the market rents for this property. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Purchase | NA | 7418111 | N/A | N/A | ||||
| XXXX | XXXX | 10106324 | Closed | 2026-01-29 01:05 | 2026-02-18 00:03 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Hazard Insurance doesn't show rent loss amount, Provided update hazard insurance document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached coverage ALS which is based on actual losses submitted at the time of loss. - Seller-XX/XX/XXXX Open-Provide update hazard insurance as the one in file doesn't show rent loss amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached coverage ALS which is based on actual losses submitted at the time of loss. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance doesn't show rent loss amount, Provided update hazard insurance document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7344532 | N/A | N/A | |||
| XXXX | XXXX | 10106334 | Closed | 2026-01-29 20:47 | 2026-02-24 15:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached XXX XXXXXXXXX XXXXXX Policy docs - Seller-XX/XX/XXXX Counter-Missing the policy for XXX XXXXXXXX XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see atached the file with updated property address XXXX XXXX XXXXXX - Seller-XX/XX/XXXX Counter-For property at XXXX XXXX it has the policy address as XXXX XXXX XXXXXX, also missing the policy for XXX XXXXXXXX XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached declaration page per policy. Be advised that location XXXX XXXX an error was caught on the final file, and the agent is working on getting the house number corrected. We will re-upload the endorsement page as soon as its available. - Seller-XX/XX/XXXX Open-The Hazard Insurance policy in file doesn't not have a individual property address. Provide an updated hazard insurance policy that includes the individual property address. The ones in the file does not breakdown which policy is for which subject. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached XXX XXXXXXXXX XXXXXX Policy docs - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see atached the file with updated property address XXXX XXXX XXXXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. See attached declaration page per policy. Be advised that location XXXX XXXX an error was caught on the final file, and the agent is working on getting the house number corrected. We will re-upload the endorsement page as soon as its available. - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX XXXXXX XXXXXX-XXXXXXXXX-XXXXXXXX.XXX_XXXXX_ XXXX XXXX XXXXXX XXXXXX-XXXXXXXXX-XXXXXXXX.XXX_XXXXX_ XXXX XXXXXXXX XXXX-XXXXXXXXX-XXXXXXXX.XXX_XXXXX_ XXXX XXXX XXXXXX XXXXXX-XXXXXXXXX-XXXXXXXX.XXX_XXXXX_ XXX XXXXXX XXXX-XXXXXXXXX-XXXXXXXX.XXX_XXXXX_ XXXX XXXX XXXXXX XXXXXX-XXXXXXXXX-XXXXXXXX.XXX_XXXXX_ XXXX XXXX XXXXXX XXXXXX-XXXXXXXXX-XXXXXXXX.XXX_XXXXX_ XXXX XXXX XXXXXX XXXXXX-XXXXXXXXX-XXXXXXXX.XXX_XXXXX_ XXX XXXXXXXXX XXXXXX-XXXXXXXXX-XXXXXXXX.XXX |
XX | Investment | Purchase | NA | 7363810 | N/A | N/A | |||
| XXXX | XXXX | 10106334 | Closed | 2026-01-29 20:28 | 2026-02-20 11:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received break down for each individual property - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Breakdown of purchase price uplaoded. - Seller-XX/XX/XXXX Open-The purchase contract in file covers all X properties but does not include a breakdown of the purchase price allocated to each individual property. Provide an updated purchase contract that includes the purchase price for each property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Breakdown of purchase price uplaoded. - Seller-XX/XX/XXXX |
Resolved-Received break down for each individual property - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX_XXXXXXXX_XXXX_XXX_XXXXX_XX_XXXX_XXXXXXXX_XX_$XXXXXX_-_X_XXXXX (X) (X).XXX | XX | Investment | Purchase | NA | 7363743 | N/A | N/A | |||
| XXXX | XXXX | 10106342 | Closed | 2026-01-29 06:21 | 2026-02-23 06:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-HUD received from another transaction on the same day. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HUD from sale uplaoded with cashout of $XXXXX.XX. - Seller-XX/XX/XXXX Counter-Per the Settlement Statement, the amount of funds needed for Cash to Close is $XX,XXX.XX. Assets provided in the file are XXXX XXXXXXX XXXX (#XXXX on XX/XX/XXXX) for $X,XXX.XX + XXXXXX XXXXX (#XXXXX-X-X on XX/XX/XXXX for $XX,XXX.XX = $XX,XXX.XX. Loan is still short the amount of funds needed to show for Closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Additional statements uplaoded covering the required liquidity. - Seller-XX/XX/XXXX Open-Provide additional assets to qualify required reserves. Reserves shortage -$XX,XXX.X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HUD from sale uplaoded with cashout of $XXXXX.XX. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Additional statements uplaoded covering the required liquidity. - Seller-XX/XX/XXXX |
Resolved-HUD received from another transaction on the same day. - Due Diligence Vendor-XX/XX/XXXX |
XX XXXXXXXX XXXXXXXX-XXXXXXXXX-XX-XXXX (X).XXX_XXXXX_ XX XXX XXXXXXXX XXXXXXXX-XXXXXXXXX-XX-XXXX.XXX_XXXXX_ XXX (X).XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7347311 | N/A | N/A | |||
| XXXX | XXXX | 10083089 | Closed | 2026-01-28 04:41 | 2026-02-06 06:39 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Initial LE XX/XX - Seller-XX/XX/XXXX Open-The Initial Loan Estimate Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(iii)) The Initial Loan Estimate Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Initial LE XX/XX - Seller-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXXX (X).XXX | XX | Primary Residence | Purchase | NA | 7325722 | N/A | N/A | |||
| XXXX | XXXX | 10083089 | Closed | 2026-01-28 04:41 | 2026-02-06 06:39 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Open-The List of Settlement Service Providers Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(vi); XXXX.XX(e)(X)(iii)) Provide List of Settlement Service Providers Disclosure document as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 7325723 | N/A | N/A | |||||
| XXXX | XXXX | 10083089 | Closed | 2026-01-28 03:53 | 2026-02-02 03:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alerts. The required clear fraud report is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX |
Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Purchase | NA | 7325297 | N/A | N/A | |||
| XXXX | XXXX | 10083089 | Closed | 2026-01-28 03:30 | 2026-02-02 03:08 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. GAP Credit - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Provide Updated Gap report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. GAP Credit - Seller-XX/XX/XXXX |
Resolved-Requested gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX.XXX | XX | Primary Residence | Purchase | NA | 7325125 | N/A | N/A | |||
| XXXX | XXXX | 10083089 | Closed | 2026-01-28 22:27 | 2026-01-30 06:31 | Resolved | 1 - Information | C | A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Signed initial XXXX uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Initial XXXX - Seller-XX/XX/XXXX Open-Borrower Signature is missing in the Initial XXXX document (Page#XXX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Initial XXXX - Seller-XX/XX/XXXX |
Resolved-Signed initial XXXX uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXX.XXX | XX | Primary Residence | Purchase | NA | 7343731 | N/A | N/A | |||
| XXXX | XXXX | 10083089 | Closed | 2026-01-28 04:41 | 2026-02-06 06:39 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML XXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML XXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 7325720 | N/A | N/A | |||||
| XXXX | XXXX | 10084790 | Closed | 2026-01-28 05:58 | 2026-02-04 12:43 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 8 Does Not Meet Guideline Requirements | Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-hi this was uploaded condition is showing open, was this condition countered? - Seller-XX/XX/XXXX Open-Asset X Does Not Meet XXXXXXXXX Requirements Please provide asset document for XXXX account for Borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-hi this was uploaded condition is showing open, was this condition countered? - Seller-XX/XX/XXXX |
Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXX XXXX &XXXX.XXX | XX | Primary Residence | Purchase | NA | 7326622 | N/A | N/A | |||
| XXXX | XXXX | 10083078 | Closed | 2026-02-02 21:05 | 2026-02-06 07:54 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Article X identifies borrower as director. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Resolved-Business entity formation docs provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. EIN docs and Formation docs - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Provide the Entity Formation Document (EIN is missing) and the entity docs identifying the borrower is a managing member. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. EIN docs and Formation docs - Seller-XX/XX/XXXX |
Resolved-Article X identifies borrower as director. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Resolved-Business entity formation docs provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXX.XXX_XXXXX_ XXX.XXX |
XX | Investment | Refinance | Cash Out - Other | 7409702 | N/A | N/A | |||
| XXXX | XXXX | 10083078 | Closed | 2026-02-02 05:10 | 2026-02-04 23:04 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation or Additional Valuation (with acceptable variance to Primary) per XXXXXXXXX requirements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX |
Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX XXXXXXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7393409 | N/A | N/A | |||
| XXXX | XXXX | 10084929 | Closed | 2026-02-01 23:43 | 2026-02-09 06:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Tax bill is land only, UW used tax rate x$XXXk appraised value. Notes on the final XXXX. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Provide paid proof of tax cert for annual amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Tax bill is land only, UW used tax rate x$XXXk appraised value. Notes on the final XXXX. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 7391478 | N/A | N/A | ||||
| XXXX | XXXX | 10083049 | Closed | 2026-02-04 22:38 | 2026-02-11 07:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Guarantor owns business XXX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Ownership of Company - shows borrower is XXX% owner of company. - Seller-XX/XX/XXXX Counter-need letter for use of assets, "Please provide LOE or additional assets/reserves. Unable to verify the ownership % of the business. Provide the letter of explanation showing the borrower has authorized access to all funds from Business accounts #XXX-SXX & XXX-SXX (XXXX #XX & XXX) ." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Unable to verify the ownership % of the business. Provide the letter of explanation showing the borrower has authorized access to all funds from Business accounts #XXX-SXX & XXX-SXX (XXXX #XX & XXX) as per GL X.XX.XXXX page #XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Ownership of Company - shows borrower is XXX% owner of company. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Guarantor owns business XXX% - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX XXXXXX XXXX-XXXXXXXXXX-XXXX-XXXXXX-X(X).XXX_XXXXX_ XXXXXXXXX XX XXXXXXX.XXX |
XX | Investment | Purchase | NA | 7454120 | N/A | N/A | |||
| XXXX | XXXX | 10083049 | Closed | 2026-02-04 21:45 | 2026-02-10 02:49 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested title document with coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount $XXXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX |
Resolved-Requested title document with coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX XXXXXX XXXX-XXXXXXXXXX-XXXX-XXXXXX-X(X).XXX | XX | Investment | Purchase | NA | 7453873 | N/A | N/A | |||
| XXXX | XXXX | 10084927 | Closed | 2026-02-05 03:56 | 2026-02-18 08:08 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Require COC for increase in Loan Discount Fee and Appraisal Review Fee from Initial CD to Final CD. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXXX XXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7455941 | N/A | N/A | |||
| XXXX | XXXX | 10084927 | Closed | 2026-02-05 03:56 | 2026-02-18 08:08 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Right to cancel updated as per document verified on page #XXX - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XX XXXXXXXX XXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7455942 | N/A | N/A | |||
| XXXX | XXXX | 10084927 | Closed | 2026-02-05 04:29 | 2026-02-18 07:54 | Resolved | 1 - Information | C | A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XX CFR XXXX.XX(c) and Official Staff Commentary) Right to cancel updated as per document verified on page #XXX - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XX XXXXXXXX XXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7456196 | N/A | N/A | |||
| XXXX | XXXX | 10084927 | Closed | 2026-02-05 00:50 | 2026-02-13 06:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete DOT has PUD Rider provided and Appraisal Document is not checked as PUD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX-XX XXXXXXXX, XXXXXX XXXXX XX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7454897 | N/A | N/A | |||
| XXXX | XXXX | 10084737 | Closed | 2026-02-09 03:37 | 2026-02-18 06:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower a us citizen - Due Diligence Vendor-XX/XX/XXXX Counter-Provide additional supporting documentation as a social security card does not establish US citizenship. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The perm res was marked in error, borrower is U.S. Citizen-- please see borrower's valid social security card. Thank you - Seller-XX/XX/XXXX Counter-Provide evidence to support borrower has become a US citizen or provide the borrower's permanent resident card as stated on final XXXX in the file. - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated Final XXXX with corrected citizenship uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Please provide Identification document for Permanent Resident Alien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The perm res was marked in error, borrower is U.S. Citizen-- please see borrower's valid social security card. Thank you - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower a us citizen - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated Final XXXX with corrected citizenship uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXX XXXX.XXX_XXXXX_ XXXXXXXXXX XXX.XXX |
XX | Primary Residence | Purchase | NA | 7511011 | N/A | N/A | |||
| XXXX | XXXX | 10084737 | Closed | 2026-02-09 04:30 | 2026-02-09 14:54 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXXX. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX, XXX, XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg# XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXXX. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX, XXX, XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg# XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 7511384 | N/A | N/A | |||||
| XXXX | XXXX | 10084737 | Closed | 2026-02-09 04:30 | 2026-02-09 14:54 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)). This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX, XXX, XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg# XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)). This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX, XXX, XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg# XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 7511383 | N/A | N/A | |||||
| XXXX | XXXX | 10149835 | Closed | 2026-02-12 22:34 | 2026-03-09 13:11 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The loan does not meet XXXX PPP the lender acknowledges the finding. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-The loan does not meet XXXX PPP the lender acknowledges the finding. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Prepayment penalty provided in Note document for XXXX state property - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The loan does not meet XXXX PPP the lender acknowledges the finding. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-The loan does not meet XXXX PPP the lender acknowledges the finding. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7599708 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10149839 | Closed | 2026-02-18 13:27 | 2026-02-24 13:10 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7684551 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10149840 | Closed | 2026-02-14 21:46 | 2026-03-09 13:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HOA File attached - Seller-XX/XX/XXXX Open-master insurance policy is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HOA File attached - Seller-XX/XX/XXXX |
Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX XXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7623739 | N/A | N/A | |||
| XXXX | XXXX | 10149840 | Closed | 2026-02-14 19:42 | 2026-02-24 13:12 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7623575 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10149841 | Closed | 2026-03-11 08:58 | 2026-03-16 11:02 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-The documentation received was sufficient to resolve the finding. Evidence of the insurance with a policy date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. Coverage from XX/XX/XX and then new coverage starting at XX/XX/XX - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached. Coverage from XX/XX/XX and then new coverage starting at XX/XX/XX - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. Evidence of the insurance with a policy date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX (X).XXX_XXXXX_ XXXXX XXXXXX - XXXXXXX - XXXXXXXXXX XXXXXXX XXXXXXXXXXX (X).XXX |
XX | Investment | Refinance | Cash Out - Other | 8047065 | N/A | N/A | |||
| XXXX | XXXX | 10149841 | Closed | 2026-02-14 22:27 | 2026-03-11 08:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Missing Hazard Insurance Policy - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Hazard Insurance file attached - Seller-XX/XX/XXXX Open-Hazard Insurance Policy is Missing in loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Hazard Insurance file attached - Seller-XX/XX/XXXX |
Resolved-Missing Hazard Insurance Policy - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX - XXXXXXX - XXXXXXXXXX XXXXXXX XXXXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7623860 | N/A | N/A | |||
| XXXX | XXXX | 10149841 | Closed | 2026-02-14 21:07 | 2026-02-24 13:13 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7623689 | Originator Post-Close | No | |||||
| XXXX | XXXX | 9610796 | Closed | 2026-02-10 11:57 | 2026-03-12 06:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached. Be advised the Insurance is placed under property management name that DBA XXXXXXX XXXXXX XXXXXXXX XXXXX XXXXXXXXXXX. There is no error in the name, as they needed to use a DBA to distiguish the XXX from the Property Management. - Seller-XX/XX/XXXX Open-Missing copy of sufficient insurance for condo project. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached. Be advised the Insurance is placed under property management name that DBA XXXXXXX XXXXXX XXXXXXXX XXXXX XXXXXXXXXXX. There is no error in the name, as they needed to use a DBA to distiguish the XXX from the Property Management. - Seller-XX/XX/XXXX |
XXX XXX XXXXXXXXXX XXXXXXXXXXX XX XXXXXXXXX XXXX XXXXXXX XXXXXX.XXX | XXXXX XXXXXXX XXXXXXXXX XXXXXXXXXXX XX XXXXXXXXX XXXXXXXX. XXXXXXXX. | XX | Investment | Purchase | NA | 7542929 | N/A | N/A | |||
| XXXX | XXXX | 9610796 | Closed | 2026-02-10 02:33 | 2026-02-24 13:14 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Prepayment penalty only available in XXX XXXXXX for corporations. Per the Note, the entity is an LLC, not a corporation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Purchase | NA | 7530589 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10149893 | Closed | 2026-02-13 02:53 | 2026-03-03 00:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Requested Photo ID card for BX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Confirming borrower is a US citizen, uploaded Driver's license and citizenship affidavit - Seller-XX/XX/XXXX Open-Borrower X Citizenship Documentation Is Missing Borrower X Citizenship is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Confirming borrower is a US citizen, uploaded Driver's license and citizenship affidavit - Seller-XX/XX/XXXX |
Resolved-Requested Photo ID card for BX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX.XXX_XXXXX_ XX.XXXXXX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7601857 | N/A | N/A | |||
| XXXX | XXXX | 10149893 | Closed | 2026-02-13 03:34 | 2026-02-23 21:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax certificate uploaded. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Property Tax is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax certificate uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXXXXXX.XXX XXXX XXXX XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7602250 | N/A | N/A | |||
| XXXX | XXXX | 10149924 | Closed | 2026-02-12 12:36 | 2026-03-02 06:19 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-Validated policy number with revised annual policy amount. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The hazard insurance premium ($XXX.XX) monthly - Seller-XX/XX/XXXX Open-The hazard insurance premium on the originator’s underwriting ($XXX.XX monthly) differs from the policy evidence ($XXX annual = $XX.XX monthly), resulting in a DSCR variance of more than X.XX (Lender X.XX / reviewer X.XXX). Please review and confirm the correct annual hazard insurance premium. - Due Diligence Vendor-XX/XX/XXXX Open-Revise - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The hazard insurance premium ($XXX.XX) monthly - Seller-XX/XX/XXXX |
Resolved-Validated policy number with revised annual policy amount. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXX.XXX | XX | Investment | Purchase | NA | 7589665 | N/A | N/A | |||
| XXXX | XXXX | 10149961 | Closed | 2026-02-13 04:26 | 2026-03-06 12:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-Requested Master insurance policy provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX Open-Provide HOX Master Insurance Policy which is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX |
Resolved-Requested Master insurance policy provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXX XXXXXXXX XX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7603265 | N/A | N/A | |||
| XXXX | XXXX | 10149961 | Closed | 2026-02-13 04:28 | 2026-03-06 12:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HOX Coverage - Seller-XX/XX/XXXX Counter-For clarification, the insurance policy that is missing is the HOX policy, not the master policy. Please provide the HOX policy held in the borrower's name. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached XXX coverage. Be advised coverage is Agreed Value based upon loss sumbission. - Seller-XX/XX/XXXX Open-Provide Condo Insurance Policy document which is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HOX Coverage - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached XXX coverage. Be advised coverage is Agreed Value based upon loss sumbission. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXX XXXXXXXX XX XXXX.XXX_XXXXX_ XXXXXXXXXX XXXXXXXX (X).XXX |
XX | Investment | Refinance | Cash Out - Other | 7603306 | N/A | N/A | |||
| XXXX | XXXX | 10149857 | Closed | 2026-02-17 10:11 | 2026-02-18 18:17 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Tri-Merge Credit report uploaded. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report uploaded. - Seller-XX/XX/XXXX Open-Page XXX Credit report is not Tri-merge report, Equifax frozen. Page XX XXXXXXXXXX Tri-merge report required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report uploaded. - Seller-XX/XX/XXXX |
Resolved-Tri-Merge Credit report uploaded. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7657798 | N/A | N/A | |||
| XXXX | XXXX | 10162563 | Closed | 2026-03-02 11:40 | 2026-03-06 13:01 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Initial credit Report received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report has been provided - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Partially Present. Credit Report provided is dated X/XX/XXXX. The Note Date, Closing Date, and Disbursement Date is X/XX/XXXX. The credit report provided is the day after closing. The file is missing a pre-close credit report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report has been provided - Seller-XX/XX/XXXX |
Resolved-Initial credit Report received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XX | Investment | Purchase | NA | 7877898 | N/A | N/A | |||
| XXXX | XXXX | 10162575 | Closed | 2026-03-02 06:36 | 2026-03-09 05:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report as per note date has been provided - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. The credit report in the file is dated X/X/XXXX, but the note date is X/X/XXXX. Please provide pre-close credit report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report as per note date has been provided - Seller-XX/XX/XXXX |
Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XX | Investment | Purchase | NA | 7869245 | N/A | N/A | |||
| XXXX | XXXX | 10162586 | Closed | 2026-03-03 13:56 | 2026-03-20 10:11 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-Asset Qualification Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Operating agreement for assets originally in file provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA for XXX XXX XXX uploaded with borrower's signature at the last page. - Seller-XX/XX/XXXX Counter-Our borrower is not showing as owner of X&X XXXXXXXX. The business document provided also shows the business as X&X XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Our borrower is not showing as owner of X&X XXXXXXXX. The business document provided also shows the business as X&X XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. X&X statements uploaded. - Seller-XX/XX/XXXX Open-Asset Qualification Does Not Meet XXXXXXXXX Requirements Page XX, XX Bank Statement Account Holder shows as XXX XXX XXX. There is no evidence in the file to determine if the borrower has any ownership in that company and/or access to the account funds. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. OA for XXX XXX XXX uploaded with borrower's signature at the last page. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. X&X statements uploaded. - Seller-XX/XX/XXXX |
Resolved-Asset Qualification Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Operating agreement for assets originally in file provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXXXX XXXXXXXXX - XXX XXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7905374 | N/A | N/A | |||
| XXXX | XXXX | 10194941 | Closed | 2026-03-13 06:57 | 2026-03-13 07:07 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Loan Estimate Disclosure Presumed Received and Intent To Proceed | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-The Loan Estimate was provided or mailed on (XXXX-XX-XX). Since it was not provided in person, a consumer is considered to have received the Loan Estimate on (XXXX-XX-XX), which is after (XXXX-XX-XX); the date the consumer indicated an intent to proceed with the transaction. A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under XXXXXXXXXX X, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (XX XXX XXXX.XX(e)(X)(i)(A)) - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 8093051 | N/A | N/A | |||||
| XXXX | XXXX | 10194941 | Closed | 2026-03-05 06:17 | 2026-03-06 02:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested initial CD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-XXXX: Missing Closing Disclosure Missing Initial Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested initial CD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXX XXXXXXXXXX.XXX_XXXXX_ XXXXXXX XXXXXXX XXXXXXXXXX.XXX |
XX | Primary Residence | Purchase | NA | 7940280 | N/A | N/A | |||
| XXXX | XXXX | 10194943 | Closed | 2026-03-05 00:15 | 2026-03-06 16:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated system with fraud report containing no alerts. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Provide updated Fraud Report with no alerts. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Updated system with fraud report containing no alerts. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7936114 | N/A | N/A | |||
| XXXX | XXXX | 10194930 | Closed | 2026-03-11 11:50 | 2026-03-16 07:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Rent Free LOE - Seller-XX/XX/XXXX Open-Provide signed LOE for living rent free. The letter in file is not signed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Rent Free LOE - Seller-XX/XX/XXXX |
XXX - XXXX XXXX.XXX | XX | Primary Residence | Purchase | NA | 8051756 | N/A | N/A | ||||
| XXXX | XXXX | 10194930 | Closed | 2026-03-11 01:40 | 2026-03-19 07:13 | Resolved | 1 - Information | A | A | Compliance | Mavent | HigherPriced: APR | Resolved-Confirmed loan has escrows per the final CD on page XX and IEADs on page XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. I’m seeing impounds for both property insurance and Taxes on this loan, please see attached CD and system is showing impounding for both. Can you please confirm what else is needed? - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-You submitted no impound amounts for property insurance on this XXXX loan. XXXXXXXXXX X prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX XXX XXXX.XX(b)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#’XXX An interior and exterior appraisal was completed for this property – see pgXX-XX,, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower #XXX The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. I’m seeing impounds for both property insurance and Taxes on this loan, please see attached CD and system is showing impounding for both. Can you please confirm what else is needed? - Seller-XX/XX/XXXX |
Resolved-Confirmed loan has escrows per the final CD on page XX and IEADs on page XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-You submitted no impound amounts for property insurance on this XXXX loan. XXXXXXXXXX X prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX XXX XXXX.XX(b)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#’XXX An interior and exterior appraisal was completed for this property – see pgXX-XX,, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower #XXX The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XX XXXXX.XXX | XX | Primary Residence | Purchase | NA | 8035981 | N/A | N/A | |||
| XXXX | XXXX | 10194930 | Closed | 2026-03-11 01:40 | 2026-03-16 07:18 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#’XXX An interior and exterior appraisal was completed for this property – see pgXX-XX,, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX,and copy of the appraisal was given to the borrower #XXX The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#’XXX An interior and exterior appraisal was completed for this property – see pgXX-XX,, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX,and copy of the appraisal was given to the borrower #XXX The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 8035980 | N/A | N/A | |||||
| XXXX | XXXX | 10194930 | Closed | 2026-03-11 01:40 | 2026-03-16 07:18 | Resolved | 1 - Information | A | A | Compliance | Mavent | HigherPriced: APR | Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-You submitted no impound amounts for property taxes on this XXXX loan. XXXXXXXXXX X prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX XXX XXXX.XX(b)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#’XXX An interior and exterior appraisal was completed for this property – see pgXX-XX,, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower #XXX #The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-You submitted no impound amounts for property taxes on this XXXX loan. XXXXXXXXXX X prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX XXX XXXX.XX(b)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#’XXX An interior and exterior appraisal was completed for this property – see pgXX-XX,, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower #XXX #The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 8035982 | N/A | N/A | |||||
| XXXX | XXXX | 10194935 | Closed | 2026-03-10 22:51 | 2026-03-16 02:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-The fraud report in file (page # XXX) is showing X high uncleared alert. Provide updated fraud report showing all alerts cleared - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Purchase | NA | 8035021 | N/A | N/A | |||
| XXXX | XXXX | 10194946 | Closed | 2026-03-11 08:09 | 2026-03-12 05:18 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final Alta - Seller-XX/XX/XXXX Open-Final HUD-X Document is Preliminary/Estimated Only. Provided document in page #XX is estimated and settlement agent signature is missing. Provide a final HUD-X document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final Alta - Seller-XX/XX/XXXX |
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX XXXXXXXX XXXXXXXXXX XXXXXXXXX (XX).XXX | XX | Investment | Purchase | NA | 8044869 | N/A | N/A | |||
| XXXX | XXXX | 10194946 | Closed | 2026-03-11 07:22 | 2026-03-12 04:09 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. SSR - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or an appraisal desk review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. SSR - Seller-XX/XX/XXXX |
Resolved-Secondary Valuation is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXX.XXX | XX | Investment | Purchase | NA | 8043507 | N/A | N/A | |||
| XXXX | XXXX | 10194931 | Closed | 2026-03-17 20:19 | 2026-03-25 12:38 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-COC uploaded - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC completed on X/XX disclosing Income, DTI and documentation type changes, impacting the lender credit. COC and Redisclosure completed on X/XX, due to a Program type change from XXXX SUPER NON-QM loan type to NON-QM loan type. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($XX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Provide COC for decrease in lender credits from LE $XXX to Final CD $XX.XX - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COC completed on X/XX disclosing Income, DTI and documentation type changes, impacting the lender credit. COC and Redisclosure completed on X/XX, due to a Program type change from XXXX loan type to NON-QM loan type. - Seller-XX/XX/XXXX |
Resolved-COC uploaded - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX X-XX-XX XX XXXXXXXXXXXX XXX XXX XXXX.XXX_XXXXX_ XXXXXX X-XX-XX XXXXXXXXXXXX XXX XXXXXXXX XXX XXXX.XXX |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8173696 | N/A | N/A | |||
| XXXX | XXXX | 10194947 | Closed | 2026-03-17 04:21 | 2026-04-14 11:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd party VOE provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. VOE - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Per GL XX.XX.XXXX page #XX, for wage or salaried employees, a verbal VOE dated no more than XX calendar days prior to Note date. hence, provide VOE for XXXXemployer as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. VOE - Seller-XX/XX/XXXX |
Resolved-Requested Xrd party VOE provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 8145550 | N/A | N/A | |||
| XXXX | XXXX | 10194947 | Closed | 2026-03-17 04:21 | 2026-04-14 11:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Worksheet Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Income Worksheet - Seller-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Per the final XXXX and XXXX, borrower is receiving a monthly income of $X,XXX from XXXX employer and $X,XXX.XX from self employment. Provide lender income calculation worksheet validating these incomes as the worksheets are not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Income Worksheet - Seller-XX/XX/XXXX |
Resolved-Requested Income Worksheet Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXXXX XXXXXXXXXXX XXXXXXXXX X.X XXXXXX.XXX |
XX | Primary Residence | Refinance | Cash Out - Other | 8145551 | N/A | N/A | |||
| XXXX | XXXX | 10194947 | Closed | 2026-03-17 04:48 | 2026-03-27 09:12 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-received updated XXXX with DTI which are inline with TPR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX and Seller Certificate - Seller-XX/XX/XXXX Counter-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Counter-per prelim title page XXX $X,XXX.XX /X = $X,XXX.XX. XXXX has XXX for taxes. Difference is +XXX.XX per month all other monthly pmts per XXXX page XXX $X,XXX.XX. audited is $XXX as auto being paid off. diff -XXXX.XX XXXX.XX - XXX.XX = $X,XXX.XX originator XX.XX% // XX.XX% audited XX.XX% // XX.XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX Open-Audited HTI & DTI are XX.XX% and XX.XX% whereas lender HTI & DTI per XXXX document are XX.XX% and XX.XX%. The difference is X.XX% and X.XX% respectively. This difference arises due to (X) lender considered tax amount as $XXX whereas per our review it is $X,XXX.XX per title page #XXX (X) lender considered monthly debt as $X,XXX.XX whereas per our review it is only $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX and Seller Certificate - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX |
Resolved-received updated XXXX with DTI which are inline with TPR - Due Diligence Vendor-XX/XX/XXXX |
XXXX_XXXXXX XXXXXXXXXXX.XXX_XXXXX_ XXXXXXXXXX XXXX XXX XXX XXXXXXXXXX XX XXXXXXX.XXX_XXXXX_ XXXXXXXXXX XXXXX XXX XXX XXXXXXXXXX XX XXXXXXX.XXX_XXXXX_ XXXX.XXX_XXXXX_ XXXX_XXXXXX XXXXXXXXXXX XXX.XXX |
XX | Primary Residence | Refinance | Cash Out - Other | 8145818 | N/A | N/A | |||
| XXXX | XXXX | 10194949 | Closed | 2026-03-19 09:37 | 2026-03-24 01:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Purchase | NA | 8213495 | N/A | N/A | |||
| XXXX | XXXX | 10194929 | Closed | 2026-03-23 07:23 | 2026-04-03 08:52 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XXXX is not attached - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX attached & also supporting documentation for DTI. - Seller-XX/XX/XXXX Counter-Also, monthly debts reflect XXXX.XX and audited is XXX monthly? - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax Rate should help the DTI issue - Seller-XX/XX/XXXX Open-Audited DTI is XX.XX% and lender DTI is XX.XX%. The difference is X.XX% which is occurred due to lender considered tax amount as $X,XXX.XX whereas per our review it is only $XXXX.XX per tax cert on page #XXXX. Also, monthly debts reflect XXXX.XX and audited is XXX monthly? - Due Diligence Vendor-XX/XX/XXXX |
received clarification in liabilities and rental income - DTIs within tolerance - XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX attached & also supporting documentation for DTI. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Tax Rate should help the DTI issue - Seller-XX/XX/XXXX |
XXXXXXXX XXX XXXX.XXX_XXXXX_ XXXXXXX XX XXXXX.XXX_XXXXX_ XXXX.XXX |
XX | Investment | Purchase | NA | 8262981 | N/A | N/A | ||||
| XXXX | XXXX | 10194929 | Closed | 2026-03-23 06:58 | 2026-04-03 08:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Property tax bill shows current rate. Took this rate times the purchase price. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Per tax cert on page #XXXX, tax amount is $X,XXX.XX ( or $X,XXX.XX semi annually). However, XXXX and final CD estimated escrow the tax amount is $X,XXX.XX. Provide proof of document for this $X,XXX.XX tax amount as it is not included in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Property tax bill shows current rate. Took this rate times the purchase price. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXX XXXX.XXX | XX | Investment | Purchase | NA | 8262546 | N/A | N/A | |||
| XXXX | XXXX | 10194929 | Closed | 2026-03-26 13:44 | 2026-03-31 12:53 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. There was a valid COC completed on X-XX-XX due to escrows being removed which impacted the discount points. - Seller-XX/XX/XXXX _xXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee, Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. There was a valid COC completed on X-XX-XX due to escrows being removed which impacted the discount points. - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXX XXX X-XX-XX.XXX_XXXXX_ XXXX XX XXXXXXXXXXXX X-XX-XX.XXX |
XX | Investment | Purchase | NA | 8345134 | N/A | N/A | |||
| XXXX | XXXX | 10194929 | Closed | 2026-03-23 01:37 | 2026-03-30 01:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Requested Purchase contract document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. Escrow instructions take place of the purchase contract - Seller-XX/XX/XXXX _xXXXD_ Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Its a Non Arm length transaction, and Sales contract is missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Escrow instructions take place of the purchase contract - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-Requested Purchase contract document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXXX XXXXXXXXXXXX.XXX | XX | Investment | Purchase | NA | 8256483 | N/A | N/A |