Exhibit 99.31
| ALT ID | Loan ID | Seller | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| GCAT2026NQM30572 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 12:00 | 2026-05-06 14:06 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided document - condition cleared - Due Diligence Vendor-03/10/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you for your help. - Buyer-03/09/2026 Open-Borrower 1 Gap Credit Report is Missing As per GL Section 12.1.6, A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXXX) is required within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided document - condition cleared - Due Diligence Vendor-03/10/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/10/2026 |
XXXXXXX Pre-Close Credit Report.pdf | IL | Investment | Purchase | NA | 7900295 | N/A | N/A | |||||
| GCAT2026NQM30572 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 12:00 | 2026-05-06 14:06 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Lender provided document - condition cleared - Due Diligence Vendor-03/10/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you for your help. - Buyer-03/09/2026 Open-Borrower 2 Gap Credit Report is Missing As per GL Section 12.1.6, A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXXX) is required within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided document - condition cleared - Due Diligence Vendor-03/10/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/10/2026 |
XXXXXXX Pre-Close Credit Report.pdf | IL | Investment | Purchase | NA | 7900296 | N/A | N/A | |||||
| GCAT2026NQM30572 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 14:17 | 2026-03-06 14:17 | Acknowledged | 1 - Information | Property | Value | XXX value equals B, secondary product within tolerance | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 |
IL | Investment | Purchase | NA | 7978632 | Investor Post-Close | No | ||||||
| GCAT2026NQM30578 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 13:10 | 2026-03-13 14:16 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lender Exception with Comp Factors for documentation - condition cleared - Due Diligence Vendor-03/13/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Please see the attached exception approval. Thank you for your assistance. - Buyer-03/13/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. LOE is missing for primary property. For Borrower living rent free, the guidelines require documentation from the city/township that the Borrower is not owner of their current residence and an explanation from the owner or lessee verifying the Borrower lives rent free. - Due Diligence Vendor-03/05/2026 |
Resolved-Lender Exception with Comp Factors for documentation - condition cleared - Due Diligence Vendor-03/13/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/13/2026 |
XXXXXXX Exception Approval.pdf | CO | Investment | Refinance | Cash Out - Other | 7950585 | N/A | N/A | |||||
| GCAT2026NQM30580 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 10:26 | 2026-03-11 10:15 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Buyer-03/10/2026 Open-According to the loan approval, an exception approval is required for subject property units under 600 square feet each. Missing exception approval per loan approval. - Due Diligence Vendor-03/10/2026 |
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 |
XXXXXXX Exception Approval.pdf | CO | Investment | Purchase | NA | 8021799 | N/A | N/A | |||||
| GCAT2026NQM30581 | XXXXXXX | XXXXXXX | Closed | 2026-03-04 09:14 | 2026-05-06 14:03 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided the Pre-close credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/11/2026 Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-03/04/2026 |
Resolved-Lender provided the Pre-close credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | ME | Second Home | Refinance | Cash Out - Other | 7918618 | N/A | N/A | |||||
| GCAT2026NQM30581 | XXXXXXX | XXXXXXX | Closed | 2026-03-04 11:21 | 2026-03-04 11:21 | Acknowledged | 1 - Information | Property | Value | XXX value equals B, secondary product within tolerance | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-03/04/20 | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-03/04/2026 |
ME | Second Home | Refinance | Cash Out - Other | 7922447 | Investor Post-Close | No | ||||||
| GCAT2026NQM30582 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 10:12 | 2026-03-10 10:56 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided document - condition cleared - Due Diligence Vendor-03/10/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you for your time. - Buyer-03/09/2026 Open-Borrower 1 Gap Credit Report is Missing Documentation in file indicates this condition was cleared day of closing but no Gap Credit report was provided. - Due Diligence Vendor-03/06/2026 |
Resolved-Lender provided document - condition cleared - Due Diligence Vendor-03/10/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/10/2026 |
XXXXXXX Pre-Close Credit Report.pdf | ME | Primary Residence | Purchase | NA | 7972599 | N/A | N/A | |||||
| GCAT2026NQM30584 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 13:12 | 2026-03-12 14:38 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. STATEMENT OF LOCK POLICY WITH COC - Buyer-03/11/2026 Open-Missing Evidence of Rate Lock - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/12/2026 |
XXX-XXXXXXX XXXXXXX - STATEMENT OF LOCK POLICY WITH COC.pdf | UT | Investment | Refinance | Cash Out - Other | 7902551 | N/A | N/A | |||||
| GCAT2026NQM30586 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 17:49 | 2026-03-12 14:39 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Please see that attached Exception Approval. Thank you. - Buyer-03/11/2026 Open-Underwriter cover letter indicates an exception is present for borrower owning the subject free and clear. An exception approval is missing. - Due Diligence Vendor-03/10/2026 |
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 |
XXXXXXX Exception Approval.pdf | MD | Investment | Refinance | Cash Out - Other | 8032555 | N/A | N/A | |||||
| GCAT2026NQM30591 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 12:39 | 2026-05-06 14:07 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided document - condition cleared - Due Diligence Vendor-03/10/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. The signed inquiry LOE was provided at pages 471 - 472 of the shipped loan package. Thank you for your assistance. - Buyer-03/10/2026 Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. The credit report in file, dated XX/XX/XXXX is 11 business days (which excludes XXXXXX XXXXXX XXXX XXX). Additional conditions may apply. - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided document - condition cleared - Due Diligence Vendor-03/10/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/10/2026 |
XXXXXXX Pre-Close Credit Report.pdf | CA | Investment | Purchase | NA | 7901470 | N/A | N/A | |||||
| GCAT2026NQM30591 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 12:39 | 2026-05-06 14:07 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Lender provided document - condition cleared - Due Diligence Vendor-03/10/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. The signed inquiry LOE was provided at pages 471 - 472 of the shipped loan package. Thank you for your assistance. - Buyer-03/10/2026 Open-Borrower 2 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. The credit report in file, dated XX/XX/XXXX is 11 business days (which excludes XXXXXX XXXXXX XXXX XXX). Additional conditions may apply. - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided document - condition cleared - Due Diligence Vendor-03/10/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/10/2026 |
XXXXXXX Pre-Close Credit Report.pdf | CA | Investment | Purchase | NA | 7901471 | N/A | N/A | |||||
| GCAT2026NQM30592 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 11:56 | 2026-03-11 10:13 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Pre-Close Credit Report - Buyer-03/10/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/06/2026 |
Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXX-XXXXXXX XXXXXXX - Pre-Close Credit Report.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7975557 | N/A | N/A | |||||
| GCAT2026NQM30594 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 09:17 | 2026-05-06 14:09 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided document - condition cleared - Due Diligence Vendor-03/10/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please see the attached pre-close credit report. Thank you. - Buyer-03/10/2026 Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. The credit report in file, dated XX/XX/XXXX is 14 business days (which excludes XXXXXX XXXXXX XXXX XXX). Additional conditions may apply. - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided document - condition cleared - Due Diligence Vendor-03/10/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/10/2026 |
XXXXXXX Pre-Close Credit Report.pdf | FL | Primary Residence | Purchase | NA | 7895844 | N/A | N/A | |||||
| GCAT2026NQM30594 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 09:42 | 2026-03-16 10:50 | Acknowledged | 1 - Information | Property | Value | XXX value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-03/16/2026 Open-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026 |
FL | Primary Residence | Purchase | NA | 7997200 | Investor Post-Close | No | |||||||
| GCAT2026NQM30594 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 08:38 | 2026-03-11 13:40 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Lender provided a letter from the Insurance provider stating it includes replacement costs. - Due Diligence Vendor-03/11/2026 Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/11/2026 Ready for Review-Please review pages 363 of the shipped loan package for the email confirmation from the Hazard Ins Agent stating the hazard policy includes wind and is replacement cost. Thank you. - Buyer-03/10/2026 Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-03/09/2026 |
Resolved-Lender provided a letter from the Insurance provider stating it includes replacement costs. - Due Diligence Vendor-03/11/2026 Resolved-Hazard Insurance Coverage Amount of $XXXXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/11/2026 |
FL | Primary Residence | Purchase | NA | 7895054 | N/A | N/A | ||||||
| GCAT2026NQM30595 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 09:58 | 2026-03-12 14:41 | Resolved | 1 - Information | Credit | Title | Property Title Issue | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Please see the attached QCD. Thank you. - Buyer-03/12/2026 Open-An executed warranty deed from the business entity to the borrower is missing. - Due Diligence Vendor-03/11/2026 |
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 |
XXXXXXX Quit Claim Deed.pdf | FL | Investment | Refinance | Cash Out - Other | 8047081 | N/A | N/A | |||||
| GCAT2026NQM30598 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 07:57 | 2026-03-11 14:47 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Lender provided GAP credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/11/2026 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-03/11/2026 |
Resolved-Lender provided GAP credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | CO | Investment | Refinance | No Cash Out - Borrower Initiated | 8042838 | N/A | N/A | |||||
| GCAT2026NQM30598 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 07:57 | 2026-03-11 14:47 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided GAP credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see that attached Pre-Close Credit Report. Thank you. - Buyer-03/11/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/11/2026 |
Resolved-Lender provided GAP credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | CO | Investment | Refinance | No Cash Out - Borrower Initiated | 8042837 | N/A | N/A | |||||
| GCAT2026NQM30599 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 11:44 | 2026-03-13 15:35 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rent Loss Coverage | Resolved-Rent Loss Coverage provided - Due Diligence Vendor-03/13/2026 Ready for Review-Audit confirms rent loss coverage of $XX,XXX. - Due Diligence Vendor-03/13/2026 Ready for Review-Please review page 294 of the shipped loan package for the email confirmation from the Insurance Agent confirming $80,000 in loss of rents coverage. Thank you. - Buyer-03/11/2026 Open-Hazard Insurance Policy does not reflect rent loss coverage. Missing rent loss insurance covering at least 6 months for the subject property is required. - Due Diligence Vendor-03/11/2026 |
Resolved-Rent Loss Coverage provided - Due Diligence Vendor-03/13/2026 |
PA | Investment | Purchase | NA | 8050411 | N/A | N/A | ||||||
| GCAT2026NQM30600 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 15:54 | 2026-03-11 13:51 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided the GAP Credit report dated within 10 days of closing. - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Pre-Close Credit Report - Buyer-03/11/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/10/2026 |
Resolved-Lender provided the GAP Credit report dated within 10 days of closing. - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX XXXXXXX - Pre-Close Credit Report.pdf | PA | Second Home | Purchase | NA | 8030791 | N/A | N/A | |||||
| GCAT2026NQM30602 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 08:06 | 2026-05-06 14:10 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. - Seller-03/10/2026 Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. - Seller-03/10/2026 |
Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX XXXXXXX - Pre-Close Credit Report.pdf | ME | Second Home | Refinance | No Cash Out - Borrower Initiated | 8017061 | N/A | N/A | ||||
| GCAT2026NQM30602 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 08:06 | 2026-05-06 14:10 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Pre-Close Credit Report - Seller-03/10/2026 Open-Borrower 2 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. Pre-Close Credit Report - Seller-03/10/2026 |
Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX XXXXXXX - Pre-Close Credit Report.pdf | ME | Second Home | Refinance | No Cash Out - Borrower Initiated | 8017062 | N/A | N/A | ||||
| GCAT2026NQM30602 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 08:08 | 2026-03-11 13:56 | Resolved | 1 - Information | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Lender provided documentation of the appraisers license. - Due Diligence Vendor-03/11/2026 Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. State of XXXXXX Website - Appraiser has been Licensed since XX/XX/XXXX - Seller-03/11/2026 Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date ASC shows the appraiser was not licensed until XX/XX/XXXX with no prior license information. The appraisal was completed on XX/XX/XXXX. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. State of XXXXXX Website - Appraiser has been Licensed since XX/XX/XXXX - Seller-03/11/2026 |
Resolved-Lender provided documentation of the appraisers license. - Due Diligence Vendor-03/11/2026 Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-03/11/2026 |
XXXXXXX XXXXXXX - State of XXXXXX Website - Appraiser has been Licensed since XX/XX/XXXX.pdf | ME | Second Home | Refinance | No Cash Out - Borrower Initiated | 8017115 | N/A | N/A | ||||
| GCAT2026NQM30603 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 09:00 | 2026-05-06 14:11 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided the GAP Credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/11/2026 Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-03/09/2026 |
Resolved-Lender provided the GAP Credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | ME | Second Home | Purchase | NA | 7995485 | N/A | N/A | |||||
| GCAT2026NQM30603 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 09:00 | 2026-05-06 14:11 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Lender provided the GAP Credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/11/2026 Open-Borrower 2 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-03/09/2026 |
Resolved-Lender provided the GAP Credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | ME | Second Home | Purchase | NA | 7995486 | N/A | N/A | |||||
| GCAT2026NQM30605 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 01:34 | 2026-04-21 07:48 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Documentation provided - cleared - Due Diligence Vendor-03/13/2026 Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Please see the attached Entity EIN. Thank you. - Buyer-03/13/2026 Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-03/06/2026 |
Resolved-Documentation provided - cleared - Due Diligence Vendor-03/13/2026 Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/13/2026 |
XXXXXXX Entity EIN.pdf | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 7964178 | N/A | N/A | |||||
| GCAT2026NQM30606 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 13:37 | 2026-03-12 14:42 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Guild Exception Approval - Buyer-03/11/2026 Open-According to the loan approval, an exception approval is required for the borrower not owning a primary residence. Missing exception approval per loan approval. - Due Diligence Vendor-03/10/2026 |
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 |
XXXXXXX XXXXXXX - XXXXX Exception Approval.pdf | WA | Investment | Refinance | Cash Out - Other | 8027995 | N/A | N/A | |||||
| GCAT2026NQM30607 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 11:06 | 2026-03-11 14:06 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Lender provided the GAP credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/11/2026 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-03/10/2026 |
Resolved-Lender provided the GAP credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 8023644 | N/A | N/A | |||||
| GCAT2026NQM30607 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 11:06 | 2026-03-11 14:06 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided the GAP credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/11/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/10/2026 |
Resolved-Lender provided the GAP credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 8023643 | N/A | N/A | |||||
| GCAT2026NQM30610 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 18:04 | 2026-03-12 14:56 | Resolved | 1 - Information | Credit | Eligibility | Leasehold properties ineligible | Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Buyer-03/12/2026 Open-Title indicates subject is a leasehold property. According to the lender guideline- leasehold properties are ineligible. Loan file contains a leasehold review. Loan approval indicates, exception required and approval of leasehold required. Missing an approved exception for leasehold as per the loan approval. - Due Diligence Vendor-03/11/2026 |
Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/12/2026 |
XXXXXXX Exception Approval.pdf | MS | Investment | Refinance | Cash Out - Other | 8058636 | N/A | N/A | |||||
| GCAT2026NQM30615 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 11:48 | 2026-03-11 10:07 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/10/2026 Open-Borrower 1 Gap Credit Report is Missing As per GL Section 12.1.6, A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXXX) is required within 10 business days of closing or Evidence of an active Debt Monitoring Service within 10 days of closing in lieu of a pre-close credit report is required however same is missing in file. - Due Diligence Vendor-03/03/2026 |
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | WA | Second Home | Refinance | Cash Out - Other | 7899973 | N/A | N/A | |||||
| GCAT2026NQM30617 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 08:20 | 2026-05-06 14:13 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided the GAP credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/11/2026 Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-03/11/2026 |
Resolved-Lender provided the GAP credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | AZ | Second Home | Purchase | NA | 8043448 | N/A | N/A | |||||
| GCAT2026NQM30617 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 08:20 | 2026-05-06 14:13 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Lender provided the GAP credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/11/2026 Open-Borrower 2 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-03/11/2026 |
Resolved-Lender provided the GAP credit report - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | AZ | Second Home | Purchase | NA | 8043449 | N/A | N/A | |||||
| GCAT2026NQM30617 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 08:47 | 2026-03-11 08:47 | Acknowledged | 1 - Information | Property | Value | XXX value equals B, secondary product within tolerance | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-03/11/2026 | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-03/11/2026 |
AZ | Second Home | Purchase | NA | 8044087 | Investor Post-Close | No | ||||||
| GCAT2026NQM30618 | XXXXXXX | XXXXXXX | Closed | 2026-03-12 15:51 | 2026-03-13 14:20 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Documentation provided - cleared - Due Diligence Vendor-03/13/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. CERTIFICATE OF GOOD STANDING - Buyer-03/13/2026 Open-Missing Evidence of Good Standing. Evidence of Good Standing within 30 days prior to closing in missing. - Due Diligence Vendor-03/12/2026 |
Resolved-Documentation provided - cleared - Due Diligence Vendor-03/13/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/13/2026 |
XXXXXXX XXXXXXX - CERTIFICATE OF GOOD STANDING.pdf | TX | Investment | Refinance | Cash Out - Other | 8081732 | N/A | N/A | |||||
| GCAT2026NQM30620 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 09:29 | 2026-03-26 07:24 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/12/2026 Open-Borrower 1 Gap Credit Report is Missing As per GL Section 12.1.6, A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXXX) is required within 10 business days of closing or Evidence of an active Debt Monitoring Service within 10 days of closing in lieu of a pre-close credit report is required however same is missing in file. - Due Diligence Vendor-03/10/2026 |
Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026 |
XXXXXXX Pre-Close Credit Report.pdf | FL | Second Home | Purchase | NA | 8019611 | N/A | N/A | |||||
| GCAT2026NQM30620 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 09:29 | 2026-03-26 07:24 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/12/2026 Open-Borrower 2 Gap Credit Report is Missing As per GL Section 12.1.6, A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXXX) is required within 10 business days of closing or Evidence of an active Debt Monitoring Service within 10 days of closing in lieu of a pre-close credit report is required however same is missing in file. - Due Diligence Vendor-03/10/2026 |
Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026 |
XXXXXXX Pre-Close Credit Report.pdf | FL | Second Home | Purchase | NA | 8019612 | N/A | N/A | |||||
| GCAT2026NQM30626 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 18:00 | 2026-03-27 05:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Certificate of Good Standing - Buyer-03/10/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-03/09/2026 |
Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/11/2026 |
XXXXXXX XXXXXXX - Evidence of Good Standing.pdf | MO | Investment | Purchase | NA | 8008041 | N/A | N/A | |||||
| GCAT2026NQM30628 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 07:02 | 2026-03-07 08:35 | Resolved | 1 - Information | Credit | Closing | Note Date is greater than current date | Resolved-Note Date of XX/XX/XXXX is prior or equal to Notary Acknowledgment Date of XX/XX/XXXX - Due Diligence Vendor-03/07/2026 Ready for Review-Documentation received, finding resolved - Due Diligence Vendor-03/07/2026 Ready for Review-Document Uploaded. Please see the attached recorded Security Instrument and recorded XXXXXXXXXX Affidavit, correcting the Notary Acknowledgement date on the Security Instrument. Thank you. - Buyer-03/06/2026 Open-Note Date of XX/XX/XXXX is greater than Notary Acknowledgment Date of XX/XX/XXXX - Due Diligence Vendor-03/05/2026 |
Resolved-Note Date of XX/XX/XXXX is prior or equal to Notary Acknowledgment Date of XX/XX/XXXX - Due Diligence Vendor-03/07/2026 |
XXXXXXX XXXXXXX Affidavit.pdf XXXXXXX Recorded DOT.pdf |
TN | Investment | Refinance | Cash Out - Other | 7939977 | N/A | N/A | |||||
| GCAT2026NQM30628 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 07:02 | 2026-03-07 08:35 | Resolved | 1 - Information | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Validation Resolved - Due Diligence Vendor-03/07/2026 Ready for Review-Documentation received, finding ersolved - Due Diligence Vendor-03/07/2026 Ready for Review-Document Uploaded. Please see the attached recorded Security Instrument and recorded XXXXXXXXXX Affidavit, correcting the Notary Acknowledgement date on the Security Instrument. Thank you. - Buyer-03/06/2026 Open-Security Instrument Date is greater than the transaction date of XX/XX/XXXX - Due Diligence Vendor-03/05/2026 |
Resolved-Validation Resolved - Due Diligence Vendor-03/07/2026 |
XXXXXXX XXXXXXX Affidavit.pdf XXXXXXX Recorded DOT.pdf |
TN | Investment | Refinance | Cash Out - Other | 7939978 | N/A | N/A | |||||
| GCAT2026NQM30629 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 09:21 | 2026-03-12 14:16 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Pre-Close Credit Report - Buyer-03/12/2026 Open-Borrower 2 Gap Credit Report is Missing BORROWER 2 GAP CREDIT REPORT IS MISSING - Due Diligence Vendor-03/10/2026 |
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026 |
XXXXXXX XXXXXXX - Pre-Close Credit Report.pdf | CO | Primary Residence | Purchase | NA | 8019283 | N/A | N/A | |||||
| GCAT2026NQM30629 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 09:21 | 2026-03-12 14:16 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Pre-Close Credit Report - Buyer-03/12/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/10/2026 |
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026 |
XXXXXXX XXXXXXX - Pre-Close Credit Report.pdf | CO | Primary Residence | Purchase | NA | 8019282 | N/A | N/A | |||||
| GCAT2026NQM30630 | XXXXXXX | XXXXXXX | Closed | 2026-03-07 05:45 | 2026-03-11 09:40 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/10/2026 Open-Borrower 2 Gap Credit Report is Missing Required per lender guideline. Gap credit within 10 business days of closing is missing - Due Diligence Vendor-03/07/2026 |
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | CA | Primary Residence | Purchase | NA | 7984625 | N/A | N/A | |||||
| GCAT2026NQM30630 | XXXXXXX | XXXXXXX | Closed | 2026-03-07 05:45 | 2026-03-11 09:40 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/10/2026 Open-Borrower 1 Gap Credit Report is Missing Required per lender guideline. Gap credit within 10 business days of closing is missing - Due Diligence Vendor-03/07/2026 |
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | CA | Primary Residence | Purchase | NA | 7984624 | N/A | N/A | |||||
| GCAT2026NQM30632 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 15:57 | 2026-03-13 15:48 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/13/2026 Ready for Review-According to the lender it was confirmed that the borrower is listed on the tax bill for XXXX XXXXXXXXX XXX, which is their primary residence. The mortgage on the primary residence is in the wife’s name; borrower is not obligated per the mortgage statement. - Due Diligence Vendor-03/13/2026 Ready for Review-After consulting with the underwriter, it was confirmed that the borrower is listed on the tax bill for XXXX XXXXXXXXX XXX, which is their primary residence. The mortgage on the primary residence is in the wife’s name. Please review page 295 of the shipped loan package for the Property Tax Statement. Kindly advise on how we should proceed. Thank you. - Buyer-03/12/2026 Counter-According to the lender guidelines section 17.11, an explanation from the owner verifying that the borrower lives rent free is required. The rent-free letter is missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Hello. Please review the shipped loan package for the Final URLA located on pages 383–394. Page 385 reflects the property at XXXX XXXXXXXXX XXX as a retained primary residence associated with the XXXXX XXXXX mortgage. The XXXXX XXXXX XXXXXXXXX statemen and related PITIA documentation can be found on pages 293–309. Thank you. - Seller-03/10/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing evidence borrower is living rent free as required by lender guidelines. - Due Diligence Vendor-03/09/2026 |
Ready for Review-Hello. Please review the shipped loan package for the Final URLA located on pages 383–394. Page 385 reflects the property at XXXX XXXXXXXXX XXX as a retained primary residence associated with the XXXXX XXXXX mortgage. The XXXXX XXXXX XXXXXXXX Statement and related PITIA documentation can be found on pages 293–309. Thank you. - Seller-03/10/2026 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/13/2026 |
GA | Investment | Delayed Purchase | Cash Out - Other | 8006672 | N/A | N/A | |||||
| GCAT2026NQM30632 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 15:54 | 2026-03-13 15:45 | Resolved | 1 - Information | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-03/09/2026 Open-Property Title Issue Missing warranty deed from business entity to borrower. - Due Diligence Vendor-03/09/2026 |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-03/09/2026 |
GA | Investment | Delayed Purchase | Cash Out - Other | 8006615 | N/A | N/A | ||||||
| GCAT2026NQM30632 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 18:37 | 2026-03-13 15:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Please see the attached Secretary of State printout, showing active/compliance. Thank you for your assistance. - Seller-03/12/2026 Counter-Documentation provided is not dated within 30 days of closing XX/XX/XXXX as required per lender guidelines. Missing Evidence of Good Standing within 30 days of closing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached documentation for good standing. Thank you. - Seller-03/10/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-03/09/2026 |
Ready for Review-Document Uploaded. Please see the attached Secretary of State printout, showing active/compliance. Thank you for your assistance. - Seller-03/12/2026 Ready for Review-Document Uploaded. Please see the attached documentation for good standing. Thank you. - Seller-03/10/2026 |
Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/13/2026 |
XXXXXXX XXXXXXX XXXXXXX XXX Documents.pdf XXXXXXX XXX XXXXXXX XXXXXXX XXXXXXX XXX Active-Compliance.pdf |
GA | Investment | Delayed Purchase | Cash Out - Other | 8009380 | N/A | N/A | ||||
| GCAT2026NQM30632 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 18:37 | 2026-03-13 15:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/13/2026 Ready for Review- Borrowing Entity Tax ID was received. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Please see the attached Entity EIN. Thank you. - Buyer-03/12/2026 Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-03/09/2026 |
Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/13/2026 |
XXXXXXX EIN.pdf | GA | Investment | Delayed Purchase | Cash Out - Other | 8009381 | N/A | N/A | |||||
| GCAT2026NQM30632 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 18:40 | 2026-03-13 15:40 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Articles of Organization was received. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. After consulting with the underwriter, it was confirmed that this company only needed to file Articles of Organization. Please review the attached Articles of Organization and advise on how we should proceed. - Seller-03/12/2026 Open-The loan file is missing an operating agreement or other documentation to verify ownership. Missing Operating agreement and Articles of Organization for XXXXXXXX XXXXXXXX XXXXXXXXXXX XXX. - Due Diligence Vendor-03/09/2026 |
Ready for Review-Document Uploaded. After consulting with the underwriter, it was confirmed that this company only needed to file Articles of Organization. Please review the attached Articles of Organization and advise on how we should proceed. - Seller-03/12/2026 |
Resolved-Articles of Organization was received. - Due Diligence Vendor-03/13/2026 |
XXXXXXX XXX XXXXXXX XXXXXXX XXXXXXX XXX Articles of Org.pdf | GA | Investment | Delayed Purchase | Cash Out - Other | 8009389 | N/A | N/A | ||||
| GCAT2026NQM30633 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 12:11 | 2026-05-06 14:14 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/10/2026 Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-03/09/2026 |
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | MA | Primary Residence | Refinance | Cash Out - Other | 8001248 | N/A | N/A | |||||
| GCAT2026NQM30633 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 12:11 | 2026-05-06 14:14 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/10/2026 Open-Borrower 2 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-03/09/2026 |
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | MA | Primary Residence | Refinance | Cash Out - Other | 8001249 | N/A | N/A | |||||
| GCAT2026NQM30636 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 17:14 | 2026-03-11 09:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached exception approval. Thank you. - Buyer-03/10/2026 Open-According to the loan approval the Appraisal is subject to exception approval due to the Rent Control- XX Tenant Protection Act of XXXX. Exception Approval also required for no Refrigerator. Missing Exception Approvals per loan approval. - Due Diligence Vendor-03/09/2026 |
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-03/11/2026 |
XXXXXXX Exception Approval.pdf | CA | Investment | Purchase | NA | 8007637 | N/A | N/A | |||||
| GCAT2026NQM30637 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 07:40 | 2026-03-16 07:48 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-60 days grace for DL expiration in state of AL - Lender used additional documentation in file to verify identity. Condition cleared. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Since the license expired, the settlement agent also used 2 secondary forms to identify the borrower which met the requirements. XXXXXXX allows a 60 day grace period for license renewal. Please see the attached XXXXXXX law grace period info. Thank you. - Buyer-03/13/2026 Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/10/2026 |
Resolved-60 days grace for DL expiration in state of XX - Lender used additional documentation in file to verify identity. Condition cleared. - Due Diligence Vendor-03/16/2026 |
XXXXXXX XXXXXXX Photo ID Info.pdf | AL | Investment | Purchase | NA | 8016472 | N/A | N/A | |||||
| GCAT2026NQM30638 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 09:21 | 2026-03-12 14:47 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Buyer-03/11/2026 Open-Housing History Does Not Meet Guideline Requirements Both borrowers aren't obligated on their primary residences. Lender exception was approved per loan approval. Please provide lender approval with compensating factors. - Due Diligence Vendor-03/11/2026 |
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/12/2026 |
XXXXXXX Exception Approval.pdf | AL | Investment | Purchase | NA | 8045449 | N/A | N/A | |||||
| GCAT2026NQM30638 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 01:54 | 2026-03-12 14:45 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Please see the attached EIN documentation. Thank you. - Buyer-03/12/2026 Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-03/06/2026 |
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/12/2026 |
XXXXXXX EIN Document.pdf | AL | Investment | Purchase | NA | 7964307 | N/A | N/A | |||||
| GCAT2026NQM30639 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 13:11 | 2026-03-10 13:12 | Acknowledged | 1 - Information | Property | Value | XXX value equals B, secondary product within tolerance | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-03/10/2026 | Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-03/10/2026 |
AZ | Primary Residence | Purchase | NA | 8027354 | Investor Post-Close | No | ||||||
| GCAT2026NQM30640 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 08:27 | 2026-03-12 14:15 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Please see the attached Statement of Lock Policy. Thank you. - Buyer-03/11/2026 Open-Evidence of Rate Lock Missing. - Due Diligence Vendor-03/06/2026 |
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/12/2026 |
XXXXXXX Statement of Lock Policy.pdf | NV | Investment | Purchase | NA | 7970277 | N/A | N/A | |||||
| GCAT2026NQM30640 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 08:05 | 2026-03-12 14:08 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/11/2026 Open-Borrower 1 Gap Credit Report is Missing As per GL Section 12.1.6, A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXXX) is required within 10 business days of closing or Evidence of an active Debt Monitoring Service within 10 days of closing in lieu of a pre-close credit report is required however same is missing in file. - Due Diligence Vendor-03/06/2026 |
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026 |
XXXXXXX Pre-Close Credit Report.pdf | NV | Investment | Purchase | NA | 7969844 | N/A | N/A | |||||
| GCAT2026NQM30645 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 13:48 | 2026-05-06 14:16 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/12/2026 Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing - Due Diligence Vendor-03/11/2026 |
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/12/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026 |
XXXXXXX Pre-Close Credit Report.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 8052989 | N/A | N/A | |||||
| GCAT2026NQM30650 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 05:46 | 2026-03-16 07:51 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/16/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. LOAN NOTE AND CLOSING DISCLOSURE FOR PROPERTY - XXXXX XXXXX XXXX XX, XXXX XXXXX, XX XXXXX - Buyer-03/13/2026 Open-Housing History Does Not Meet Guideline Requirements copy of the Note and/or Final Closing Disclosure was not provided for the recent purchase of the borrower's other real estate-owned property. REO (XXXXX XXXXX) - Due Diligence Vendor-03/06/2026 |
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/16/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/16/2026 |
XXXXXXX XXXXXXX - LOAN NOTE - XXXXX XXXXX XXXX XX.pdf XXXXXXX XXXXXXX - CLOSING DISCLOSURE XXXXX XXXXX XXXX XX.pdf |
TX | Investment | Refinance | Cash Out - Other | 7965938 | N/A | N/A | |||||
| GCAT2026NQM30655 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 09:22 | 2026-03-16 10:50 | Acknowledged | 1 - Information | Property | Value | XXX value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-03/16/2026 Open-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-03/03/2026 |
ME | Second Home | Purchase | NA | 7895950 | Investor Post-Close | No | |||||||
| GCAT2026NQM30655 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 14:12 | 2026-03-11 10:43 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/10/2026 Open-Borrower 1 Gap Credit Report is Missing As per GL Section 12.1.6, A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXXX) is required within 10 business days of closing or Evidence of an active Debt Monitoring Service within 10 days of closing in lieu of a pre-close credit report is required however same is missing in file. - Due Diligence Vendor-03/03/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | ME | Second Home | Purchase | NA | 7904451 | N/A | N/A | |||||
| GCAT2026NQM30655 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 14:12 | 2026-03-11 10:43 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/10/2026 Open-Borrower 2 Gap Credit Report is Missing As per GL Section 12.1.6, A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXXX) is required within 10 business days of closing or Evidence of an active Debt Monitoring Service within 10 days of closing in lieu of a pre-close credit report is required however same is missing in file. - Due Diligence Vendor-03/03/2026 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | ME | Second Home | Purchase | NA | 7904452 | N/A | N/A | |||||
| GCAT2026NQM30658 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 12:53 | 2026-03-11 10:44 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-03/10/2026 Open-Borrower 1 Gap Credit Report is Missing A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXXX) is required within 10 business days of closing or Evidence of an active Debt Monitoring Service within 10 days of closing in lieu of a pre-close credit report is required however these documents are missing from the loan file. - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 |
XXXXXXX Pre-Close Credit Report.pdf | FL | Primary Residence | Purchase | NA | 7902091 | N/A | N/A |