EXHIBIT 99.7
Clarifii rating agency grades detail report
| Redaction ID | Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 1074353 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| 1080011 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-04-08 09:18 | 2026-04-16 10:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Document Uploaded. Received updated Payment Letter, IEADS, and Refund Check to Borrower - Due Diligence Vendor-04/16/2026 Ready for Review-Escalated not needed - Seller-04/16/2026 Counter-Received 1st payment letter reflecting HOI monthly as $60.80. Final settlement statement shows monthly as $170. Is there a revised final settlement statement? - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. - Seller-04/13/2026 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided HOI premium amount on file does not match amount lender used. HUD shows $170/month and policy provided averages out to $60.80/month - Due Diligence Vendor-04/08/2026 |
Ready for Review-Escalated not needed - Seller-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/13/2026 |
Resolved-Document Uploaded. Received updated Payment Letter, IEADS, and Refund Check to Borrower - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 795 Months Reserves exceed minimum required - 6 required and 64 available |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8546808 | ||
| 1099858 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 1101698 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 1102687 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1205 | 2026-04-21 12:07 | 2026-04-28 11:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. please see attached - Seller-04/24/2026 Open-Fraud missing must include OFAC/exclusionary check for borrower - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. please see attached - Seller-04/24/2026 |
Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796 LTV is less than guideline maximum - Required is 70 Borrower has 57.66 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8797958 | ||
| 1102687 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-04-21 12:07 | 2026-04-28 11:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. please see attached - Seller-04/24/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. please see attached - Seller-04/24/2026 |
Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796 LTV is less than guideline maximum - Required is 70 Borrower has 57.66 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8797959 | ||
| 1102756 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 1110268 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 1112604 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | |||||||||||||||||||
| 1132746 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |