MOST MORTGAGE DEPOSITOR, LLC ABS-15G

Exhibit 99.1

EXECUTIVE NARRATIVE:

This Executive Summary summarizes the independent third-party due diligence review (the “Review”) conducted on 516 reverse mortgage loans by inTENT Fulfillment, Inc. (“inTENT”) on behalf of its Client, Mutual of Omaha Mortgage, Inc. (“Client”).

inTENT’s reports, which are to be made available to the recipient by the Client, include the loan-level results of inTENT’s independent, third-party due diligence review conducted for the Client.

inTENT performed certain due diligence services described below on residential mortgages. The review was conducted on behalf of Client starting in February 2026 and completed in May of 2026 via file images provided by the Client for the review.

DESCRIPTION OF SERVICES:

inTENT was instructed to perform a credit, data validation, and valuation review (the “Review Population”) in accordance with national recognized statistical rating organizations (“NRSRO(s)”) review standards in place as of the review date.

SAMPLE SIZE OF THE ASSETS REVIEWED:

The diligence review (the “Review”) was conducted by inTENT on 100% of the Reverse Mortgage Loans.

LOAN SAMPLING:

The population, to our knowledge, represents all of the reverse mortgage Loans in the securitization population.

The table below summarizes the reviews conducted by inTENT:

Upon completion of the Review, 4 mortgage loans were removed by the Client from the final loan population based on the current loan status and not due to any findings during inTENT’s review.

DATA INTEGRITY:

Where available, inTENT compared the data fields below on the bid tape provided by the Client to the data found in the actual file as captured by inTENT. This information may not have been available for all mortgage loans. This comparison included the following data fields:

Additionally, inTENT verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were sixty-two (62) years or older at the time of origination, sixty (60) years or older at the time of origination, or fifty-five (55) years or older at the time of origination, as provided in the related underwriting guidelines, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) that the calculated residual income was used in the assessment of the Life Expectancy Set-Aside Amount.

CREDIT UNDERWRITING:

For each residential mortgage loan, inTENT will perform a credit and guideline review utilizing specific guidelines furnished at the time of the review by Client. The review requirements will generally include:

Verification that the characteristics listed below on the mortgage loan and borrower conform to the Client’s requirements:

As part of the guideline review, inTENT will perform a credit analysis during which various documents within the loan file will be examined, including:

●      Loan Application - inTENT will review the application for: (i) was signed by all listed borrowers, and (ii) was substantially filled out

●      Occupancy - inTENT will review the property occupancy is consistent with the mortgage loan approval and borrowers’ application disclosure based solely on information contained in the mortgage loan file and any fraud/background report obtained in connection with the mortgage loan.

●      Employment documentation (VVOE, WVOE, The Work Number) – inTENT will review the employment documentation provide for the borrower(s) to support current and/or past employment as required.

●      Income documentation – inTENT will review and calculate income using all income documentation provided for each borrower.

●      Tax Transcripts (IRS Form 4506-T) – If Tax Transcripts are provided, inTENT will compare with the Tax Returns and/or W2 to verify income amounts are supported and accurate.

●      Entity Document – For loans made to a Business Entity, will review the Certificate of Good Standing, Articles, Bylaws/Operating Agreement and other Entity Documents for compliance with guidelines.

●      Asset Documentation - inTENT will review the asset documentation provided in the loan files to the guideline requirements. Utilizing this documentation, inTENT will complete a review of sufficient cash to close and reserve calculation

●      Letters of Explanation – review any letter provided for employment or credit

●      Credit Report - Client to provide the credit report for each borrower used at origination for review of the credit profile & representative credit score adherence to guidelines

●      Fraud Report/Background Check – review documentation for any red flags or alerts. If there are any high level or critical warning, we will look to ensure these were addressed. If Fraud Report or Background check is not in the loan file, a material Finding will be trigger.

●      Title - Review and confirm borrower name(s), chain of title, Loan policy amount, lien holder position, look for discrepancies, delinquent taxes, and/or additional liens at time of consummation, based on guideline requirements. Check that the real estate taxes have been noted in Title or other RE Tax Form and paid as directed by guidelines and closing instructions

●      Insurance - inTENT will review the insurance present on the mortgage loan, as applicable per guidelines. Review each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines. Check the lender’s name and includes “its successors and assigns,” confirm that the premium amount on both the hazard insurance and flood insurance are included in the DTI calculations.

●      Flood Certification - Review Flood Certification to determine if Flood Insurance is required. Check the Name, Address, and verify Life of Loan. If in a Flood Zone, will review for present of Flood Insurance.

●      Reverse Mortgage Counseling - reviewed the file to determine if the Certificate of Reverse Mortgage Counseling was in the file and executed by the borrower(s).

●      FACTA Disclosure - reviewed the file to determine if the Disclosure was in the file.

●      Financial Assessment Worksheet - reviewed the file to determine if the worksheet was in the file and complete.

●      Occupancy Certification - reviewed the file to determine if the Certificate was in the file and executed.

●      Condominium Documentation – Review the Condo Questionnaire, Master Insurance Policy, and other Condo Docs for compliance to guideline requirements

●      Closing Documents - (including Note, Mortgage/Deed of Trust and any Riders or Addendums, Loan Agreement, Guaranty and/or CD/Settlement Statements/Final HUD-1) - inTENT will review the closing documents are present and complete (all pages), Borrower(s) names, Subject Property Address, Legal description, Signed by Borrowers

VALUATION REVIEW SCOPE:

For each residential mortgage loan, inTENT will perform the following origination appraisal analysis:

●       Verify that the mortgage loan file contains an appraisal report (if required) and that it meets the following criteria that conforms to Client’s underwriting guidelines:

-     FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

-     FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

-     FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

-     FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

-     FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

-     Appraisal report form, certification, statement of limiting conditions and scope of work

-     Accurate identification of the subject property

-     Accurate identification of the subject loan transaction

-     Accurate identification of the property type, in both land and improvements

-     Subject front, rear and street photos and valued features

-     Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

-     Photos of all comparable sales and listings

-     Location map

-     Exterior sketch of property with dimensions

-     1004MC Market Conditions Report

●       Perform a general credibility assessment of the results of the appraisal per Title XI of FIRREA and USPAP based on the following criteria:

●       Review for the presence of any “red flags” related to the mortgaged property that may have posed a risk to the property or occupants or USPAP

-     Appraisal was made on an “As Is” basis or provides satisfactory evidence of completion of all material conditions

-     Property usage was reviewed for zoning compliance

-     Property utilization was reviewed to determine it was “highest and best use”

-     Neighborhood values were reviewed to determine if declining

-     Market conditions were reviewed to determine indication of possible marketability issues:

-     Physical condition of the property was reviewed to determine that the property condition was average or better

-     Style of property was reviewed to determine if unique property

-     Any health and safety issues were noted and/or remediated

-     Locational and/or environmental concerns adequately addressed if present

Underwriter Accepted Value represents the value to be used for loan value determination and calculation of the loan amount. In scenarios where one appraisal is required for the loan, the appraised value, or the adjusted value by the Underwriter or Appraisal Review Department, may be used for the Underwriter Accepted Value. In scenarios where more than one appraisal is required, the lower of the two appraised values, or the adjusted value by the Underwriter or Appraisal Review Department, may be used for the Underwriter Accepted Value.

Client will provide the 3^rd party valuation product (Desk Review/CDA and/or Field Review) to be used in the waterfall.

FEMA:

inTENT confirmed whether the property is located in an area that was listed as a FEMA disaster zone post origination, and if so, whether a post-disaster property inspection was obtained confirming there is no damage to the property.

VALUATION REVIEW WATERFALL:

inTENT will apply a cascade methodology to determine if the Underwriter Accepted Value was reasonably supported when compared to an independent third-party valuation product. Loans will be held to a -10% tolerance utilizing the following waterfall:

Client expressly understands and agrees that inTENT makes no representation or warranty as to the value of any mortgaged property, notwithstanding that inTENT may have reviewed valuation information for reasonableness. inTENT is not acting as an “AMC” (Appraisal Management Company) and therefore it does not opine on the actual value of the underlying property. inTENT is not a creditor within the meaning of ECOA or other lending laws and regulations and therefore inTENT will not have any communication with or responsibility to any individual consumer concerning property valuation.

NRSRO GRADING CRITERIA:

Upon completion of the loan file review, inTENT assigned grading which considered factors based on the review criteria, product, and NRSRO requirements. The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the following:

FINDINGS SUMMARY:

¹ Table shows results after removal by Client from the final loan population of four (4) mortgage loans.

DATA INTEGRITY REVIEW RESULTS SUMMARY TABLE (512 Reverse Mortgage Loans):

inTENT compared data fields on the securitization tape provided by the Client to the data found in the actual file. Of the 512 Reverse Mortgage loans reviewed, none of the loans had a data integrity variance.

VALUE REVIEW RESULTS SUMMARY (512 Reverse Mortgage Loans):

inTENT confirmed that each Reverse Mortgage loan file contained the required appraisals per the Client’s guidelines as well as a secondary valuation product that supported the Clients value used for LTV within -10%. None (0) of the Client’s valuations were seasoned more than twelve (12) months of Origination.