Exhibit 99.08
Schedule 1. Opus Standard Findings Detail Report
| ALT ID | Seller | Loan ID | 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? |
| 2126835 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-02-03 08:46 | 2026-02-05 08:09 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Resolved-Lender provided signed Notice of right to receive appraisal - Due Diligence Vendor-02/05/2026 Resolved-ECOA Compliant: Appraisal Disclosure provided. - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. - Seller-02/05/2026 Counter-Reviewed the right to receive appraisal document, however document is not acknowledged by the borrower. Please provide document acknowledged by the borrower or a disclosure worksheet showing the document was sent to the borrower and acknowledged. - Due Diligence Vendor-02/04/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. - Seller-02/04/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/03/2026 |
Ready for Review-Document Uploaded. - Seller-02/05/2026 Ready for Review-Document Uploaded. - Seller-02/04/2026 |
Resolved-Lender provided signed Notice of right to receive appraisal - Due Diligence Vendor-02/05/2026 Resolved-ECOA Compliant: Appraisal Disclosure provided. - Due Diligence Vendor-02/05/2026 |
XXXXX right to receive appraisal.pdf Notice of Right to Receive Appraisal.pdf |
CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| 2126835 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-02-03 13:58 | 2026-02-05 08:08 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. - Buyer-02/04/2026 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/03/2026 |
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/04/2026 |
Appraisal delivered 1.6.pdf | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| 2126835 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-02-03 08:58 | 2026-02-04 13:18 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. - Buyer-02/04/2026 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/03/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/04/2026 |
Econsent XXXXX.pdf | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| 2136847 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-02-26 10:03 | 2026-02-26 12:42 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/26/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/26/2026 |
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/26/2026 |
CA | Investment | Purchase | NA | XXXX | Investor Post-Close | No | |||||
| 2140032 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-09 10:15 | 2026-03-09 15:02 | Resolved | 1 - Information | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Resolved-Audited DSCR of 1.113 is greater than or equal to the Guideline DSCR of 1 An updated appraisal estimates market rent at $X,XXX provided. Per lender guidelines, since the appraised rent (Form 1025) exceeds the existing lease, up to 120% of the current lease can be used, which equals $X,XXX. The DSCR ratio now meets lender requirements, condition resolved. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please see market rent doc. - Due Diligence Vendor-03/09/2026 Open-Audited DSCR of 0.927 is below guideline minimum of 1 The Debt Service Coverage Ratio (DSCR) of 0.927 falls below the required 1.0 minimum. This discrepancy exists because audit used the actual lease rent ($X,XXX) while the lender used a higher figure ($X,XXX). Although guidelines allow using Form 1025 market rents up to 120% of the lease amount, this appears to only apply when market rents exceed the lease. Since the lease and market rent are identical ($X,XXX), audit did not apply a gross-up. - Due Diligence Vendor-03/09/2026 |
Resolved-Audited DSCR of 1.113 is greater than or equal to the Guideline DSCR of 1 An updated appraisal estimates market rent at $X,XXX provided. Per lender guidelines, since the appraised rent (Form 1025) exceeds the existing lease, up to 120% of the current lease can be used, which equals $X,XXX. The DSCR ratio now meets lender requirements, condition resolved. - Due Diligence Vendor-03/09/2026 |
Appriasal.pdf | TX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| 2140032 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-09 10:17 | 2026-03-09 14:52 | Resolved | 1 - Information | Compliance | Missing Doc | Invoice - Missing or Incomplete | Resolved-Copy of invoice provided, condition resolved. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. - Buyer-03/09/2026 Open-Invoice - Missing or Incomplete. Audit could not locate a copy of the invoice for the appraisal for $XXX.XX. - Due Diligence Vendor-03/09/2026 |
Resolved-Copy of invoice provided, condition resolved. - Due Diligence Vendor-03/09/2026 |
Invoices.pdf | TX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| 2140029 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-10 15:13 | 2026-03-11 11:28 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. - Buyer-03/11/2026 Open-Housing History Does Not Meet Guideline Requirements In accordance with lender guidelines (Section 3.4.2), DSCR loans for borrowers residing rent-free require management review and exception. Currently, the audit team is unable to locate the documented approval for this exception in the loan file. - Due Diligence Vendor-03/10/2026 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/11/2026 |
Exception.pdf | LTV 50, 20% <70% DSCR 2.0419, 1.0419 > 1.0 FICO 690,30 pts > 660 min |
FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| 2140029 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-10 16:38 | 2026-03-11 11:21 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. - Buyer-03/11/2026 Open-Property type is ineligible due to according to lender guidelines (section 6.1.5.2) minimum square footage requirements are 500 sq ft for a condominium. Subject is at 403 sq ft.. - Due Diligence Vendor-03/10/2026 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/11/2026 |
Exception.pdf | LTV 50%, 25% <75% max DSCR 2.0832, 1.0532> 1.00 Min |
FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| 2140031 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-11 15:36 | 2026-03-13 11:56 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the missing XXXXXXXX XXXX statements - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Complete 12 months that was used for the analysis - Seller-03/13/2026 Open-XXXXXXXX XXXX statements were provided for XX/XXXX through XX/XXXX, need the XXXXXXXX and XXXXXX XXXXXXXX XXXX statements to verify 12 months of bank statement income. - Due Diligence Vendor-03/13/2026 Open-Bank Statement is missing for the month of XX/XXXX and XX/XXXX. Only 10 mos. were provided in file. - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document Uploaded. Complete 12 months that was used for the analysis - Seller-03/13/2026 |
Resolved-Lender provided the missing business bank statements - Due Diligence Vendor-03/13/2026 |
XXXXXXXX Bank Statements.pdf | CT | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| 2140031 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-11 06:23 | 2026-03-13 11:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the missing business bank statements - Due Diligence Vendor-03/13/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/13/2026 Open-XXXXXXXX XXXXX statements were provided for XX/XXXX through XX/XXXX, need the XXXXXXXX andXXXXXX XXXXXXXX XXXX statements to verify 12 months of bank statement income. - Due Diligence Vendor-03/13/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-03/13/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Bank statement is missing for the month of XX/XXXX and XX/XXXX - Due Diligence Vendor-03/11/2026 |
Resolved-Lender provided the missing business bank statements - Due Diligence Vendor-03/13/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/13/2026 |
CT | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| 2140031 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-11 07:30 | 2026-03-13 08:34 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-03/13/2026 Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Buyer-03/13/2026 Open-Appraisal Transfer Does Not Meet Guideline Requirements. As per guideline requirement invoice is missing in file - Due Diligence Vendor-03/11/2026 |
Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-03/13/2026 Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-03/13/2026 |
invoice.pdf | CT | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| 2140034 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-13 09:06 | 2026-03-17 13:54 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-03/17/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. - Buyer-03/17/2026 Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower - Due Diligence Vendor-03/13/2026 |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-03/17/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/17/2026 |
XXXXXXX E-Consent.pdf | AZ | Investment | Purchase | NA | XXXX | N/A | N/A | ||||
| 2140036 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-16 11:03 | 2026-03-17 07:06 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. - Buyer-03/16/2026 Open-Short term rental is Ineligible for Foreign National. - Due Diligence Vendor-03/16/2026 |
Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/17/2026 |
Exception.pdf | LTV 70%, 5%<75% Max Res 65, 53>12 mo Min |
FL | Investment | Purchase | NA | XXXX | Originator Post-Close | No | |||
| 2142308 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-18 11:02 | 2026-03-20 08:05 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-03/20/2026 Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Buyer-03/19/2026 Open-Appraisal Transfer Does Not Meet Guideline Requirements. Missing appraisal invoice - Due Diligence Vendor-03/19/2026 |
Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-03/20/2026 Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-03/20/2026 |
invoice.pdf | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| 2142307 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-20 11:37 | 2026-03-23 12:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the missing bank statements - Due Diligence Vendor-03/23/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/23/2026 Ready for Review-Uploaded to other finding - Buyer-03/23/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing XXXXXXXXX XXXX statements for XX/XXXX and XX/XXXX - Due Diligence Vendor-03/20/2026 |
Resolved-Lender provided the missing bank statements - Due Diligence Vendor-03/23/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/23/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| 2142307 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-20 10:30 | 2026-03-23 12:13 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the missing bank statements - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Buyer-03/23/2026 Open-Missing XXXXXXXX XXXX statements for XX/XXXX and XX/XXXX - Due Diligence Vendor-03/20/2026 |
Resolved-Lender provided the missing bank statements - Due Diligence Vendor-03/23/2026 |
XX/XXXX.pdf XX/XXXX.pdf |
CO | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| 2142312 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-23 11:21 | 2026-03-23 17:14 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the XX/XXXX and XX/XXXX XXXXXXXX XXXX statements verifying the income. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/23/2026 Counter-Reviewed documentation provided, however still need the XXXXXXXXX XXXX statement for XX/XXXX. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Seller-03/23/2026 Open-XX/XXXX and XX/XXXX XXXXXXXX XXXX Statement of account #XXXX is missing to calculate borrower's monthly income. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. - Seller-03/23/2026 |
Resolved-Lender provided the XX/XXXX and XX/XXXX XXXXXXXX XXXX statements verifying the income. - Due Diligence Vendor-03/23/2026 |
XX/XXXX.pdf XX/XXXX.pdf |
AZ | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| 2142312 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-23 09:50 | 2026-03-23 17:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the XX/XXXX and XX/XXXX XXXXXXXX XXXX statements verifying the income. - Due Diligence Vendor-03/23/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/23/2026 Counter-Reviewed documentation provided, however still need the XXXXXXXX XXXX statement for XX/XXXX. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Buyer-03/23/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements XX/XXXX and XX/XXXX XXXXXXXX XXXX Statement of account #XXXX is missing to calculate borrower's monthly income. - Due Diligence Vendor-03/23/2026 |
Resolved-Lender provided the XX/XXXX and XX/XXXX XXXXXXXX XXXX statements verifying the income. - Due Diligence Vendor-03/23/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/23/2026 |
XX/XXXX.pdf XX/XXXX.pdf |
AZ | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| 2142312 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-23 10:39 | 2026-03-23 14:48 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-03/23/2026 Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Buyer-03/23/2026 Open-Appraisal Transfer Does Not Meet Guideline Requirements. Per GL invoice is required and it is missing in loan file - Due Diligence Vendor-03/23/2026 |
Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-03/23/2026 Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-03/23/2026 |
Inv1.pdf | AZ | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| 2144653 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-24 17:31 | 2026-03-25 08:56 | Waived | 2 - Non-Material | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Buyer-03/25/2026 Open-Cash Out Does Not Meet Guideline Requirements Per FMC 18 Matrix, maximum cash out permitted is $XXX,XXX, borrower received, $XXX,XXX.XX. - Due Diligence Vendor-03/24/2026 |
Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/25/2026 |
Exception.pdf | Fico 724, 24>700 Min LTV 70%, 5%<75% max Pri Mtg 0x30x40 REO Mtg 0x30x44 |
NY | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No | |||
| 2144661 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-23 06:14 | 2026-03-25 08:33 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the XX/XXXX and XX/XXXX business bank statements - Due Diligence Vendor-03/25/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Buyer-03/25/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements XX/XXXX and XX/XXXX XXXXXXXX XXXX Statement of account #XXXX is missing to calculate borrower's monthly income. - Due Diligence Vendor-03/23/2026 |
Resolved-Lender provided the XX/XXXX and XX/XXXX business bank statements - Due Diligence Vendor-03/25/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/25/2026 |
XXX_XXX XXXX.pdf | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| 2144661 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-23 08:33 | 2026-03-25 08:33 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the XX/XXXX and XX/XXXX XXXXXXXX XXXX statements - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Buyer-03/25/2026 Open-XX/XXXX and XX/XXXX XXXXXXXX XXXX Statement of account #XXXX is missing to calculate borrower's monthly income. - Due Diligence Vendor-03/23/2026 |
Resolved-Lender provided the XX/XXXX and XX/XXXX XXXXXXXX XXXX statements - Due Diligence Vendor-03/25/2026 |
XXX_XXX XXXX.pdf | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| 2144651 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-24 13:23 | 2026-03-25 14:00 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Lender provided documentation of E-consent prior to appraisal delivery. - Due Diligence Vendor-03/25/2026 Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/25/2026 Counter-Reviewed loan file and appraisal transfer documentation was not in the loan file. Please provide appraisal transfer letter and appraisal invoice to document the appraisal transfer. - Due Diligence Vendor-03/25/2026 Ready for Review-This was a transferred appraisal completed prior to the application - Buyer-03/25/2026 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. E-Consent not provided prior to appraisal delivery - Due Diligence Vendor-03/24/2026 |
Resolved-Lender provided documentation of E-consent prior to appraisal delivery. - Due Diligence Vendor-03/25/2026 Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-03/25/2026 |
e-consent XX/XX/XXXX.pdf | FL | Second Home | Purchase | NA | XXXX | N/A | N/A | ||||
| 2144651 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-24 10:57 | 2026-03-25 13:59 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Buyer-03/25/2026 Open-E-Consent documentation is missing for borrower(s). E-consent provided in file is of date XX/XX/XXXX and earliest disclosure signed on XX/XX/XXXX - Due Diligence Vendor-03/24/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/25/2026 |
XXXXXXXX econsent.pdf | FL | Second Home | Purchase | NA | XXXX | N/A | N/A | ||||
| 2144657 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-25 12:48 | 2026-03-26 08:41 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. - Buyer-03/26/2026 Open-Housing History Does Not Meet Guideline Requirements In accordance with lender guidelines (Section 3.4.2), DSCR loans for borrowers residing rent-free require management review and exception. Currently, the audit team is unable to locate the documented approval for this exception in the loan file. - Due Diligence Vendor-03/25/2026 |
Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/26/2026 |
Exception.pdf | FICO 738, 78 points>660 min Reserves 10 months, 4 months>6 month min All trades on credit were paid 0x30 |
GA | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| 2144652 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-24 17:17 | 2026-03-26 11:16 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Condition resolved. - Due Diligence Vendor-03/26/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. - Buyer-03/26/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/24/2026 |
Resolved-Condition resolved. - Due Diligence Vendor-03/26/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/26/2026 |
Final Fraud XXXXXX.pdf | NJ | Investment | Purchase | NA | XXXX | N/A | N/A | ||||
| 2144659 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-26 13:09 | 2026-03-28 11:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Lender provided all 24 months of the XXXXXXXX XXXX statements. - Due Diligence Vendor-03/28/2026 Ready for Review-Document Uploaded. - Buyer-03/28/2026 Open-Missing 14 months of XXXXXXXX XXXX Statements from XX/XXXX to XX/XXXX. - Due Diligence Vendor-03/26/2026 |
Resolved-Lender provided all 24 months of the business bank statements. - Due Diligence Vendor-03/28/2026 |
Statements.pdf | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| 2144659 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-27 08:43 | 2026-03-28 11:50 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided all 24 months of the business bank statements. - Due Diligence Vendor-03/28/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/28/2026 Ready for Review-Document Uploaded. - Buyer-03/28/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing 14 months of XXXXXXXXX XXXX Statements from XX/XXXX to XX/XXXX. - Due Diligence Vendor-03/27/2026 |
Resolved-Lender provided all 24 months of the business bank statements. - Due Diligence Vendor-03/28/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/28/2026 |
Statements.pdf | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| 2144662 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-27 11:02 | 2026-03-30 08:37 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Satisfactory payment history provided, condition resolved. - Due Diligence Vendor-03/30/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. This should be more than enough I gave back to XX/XXXX - Buyer-03/27/2026 Open-Housing History Does Not Meet Guideline Requirements Per Lender’s Guide Section 5.6.1.5, mortgage verification requires 12 months history to be verified. Audit only confirmed 10 payments from XX/XXXX through XX/XXXX for borrowers' primary residence located on XXXXX XXXX XXXXXX. A full 12-month payment history could not be verified. - Due Diligence Vendor-03/27/2026 |
Resolved-Satisfactory payment history provided, condition resolved. - Due Diligence Vendor-03/30/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/30/2026 |
Statements.pdf | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| 2144663 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-28 12:52 | 2026-03-30 10:20 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of $XXXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. - Buyer-03/30/2026 Open-Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXXX - Due Diligence Vendor-03/28/2026 |
Waived-Audited Loan Amount of $XXXXXXXX is greater than the Guideline Maximum Loan Amount of $2000000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/30/2026 |
Exception.pdf | 3% DTI, 47 < 50% Max SE 26 yrs, 24 > 2 yrs Min Res Inc 875000 |
CA | Second Home | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| 2144656 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-27 06:33 | 2026-05-12 09:26 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the missing XXXXXXXX XXXX statements for XX/XXXX and XX/XXXX - Due Diligence Vendor-03/30/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/30/2026 Ready for Review-Attached to the other condition - Buyer-03/30/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements XXXXXXXXX XXXX Statements are missing for the month of XX/XXXX and XX/XXXX of account #XXXX to calculate Borrower's Monthly Income. - Due Diligence Vendor-03/27/2026 |
Resolved-Lender provided the missing XXXXXXXX XXXX statements for XX/XXXX and XX/XXXX - Due Diligence Vendor-03/30/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/30/2026 |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| 2144656 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-03-27 09:25 | 2026-03-30 10:29 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the missing XXXXXXXX XXXX statements for XX/XXXX and XX/XXXX - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. - Buyer-03/30/2026 Open-XXXXXXXX XXXX Statements are missing for the month of XX/XXXX and XX/XXXX of account #XXXX to calculate Borrower's Monthly Income. - Due Diligence Vendor-03/27/2026 |
Resolved-Lender provided the missing XXXXXXXX XXXX statements for XX/XXXX and XX/XXXX - Due Diligence Vendor-03/30/2026 |
bank statements.pdf | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| 2151724 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-01 09:48 | 2026-04-03 10:17 | Resolved | 1 - Information | Compliance | Missing Doc | Invoice - Missing or Incomplete | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Buyer-04/03/2026 Open-Invoice - Missing or Incomplete. Missing or Incomplete. Audit could not locate invoice for appraisal for $XXX - Due Diligence Vendor-04/01/2026 |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/03/2026 |
Appraisal Inv.pdf | IN | Investment | Purchase | NA | XXXX | N/A | N/A | ||||
| 2153540 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-03 06:18 | 2026-04-06 13:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. This was just opened XX/XXXX - Buyer-04/03/2026 Open-Missing Evidence of Good Standing. - Due Diligence Vendor-04/03/2026 |
Unexpired certificate of Good Standing provided, condition resolved. - 04/06/2026 |
Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/06/2026 |
Certificate.pdf Formation.pdf |
TX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| 2153543 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-08 13:18 | 2026-05-12 09:29 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided missing documentation for REO 3a - Due Diligence Vendor-04/09/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. - Buyer-04/09/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing Note, final CD/settlement statement and first payment letter/Coupon for recent refinance with lender of the borrower's primary residence, REO 3a on the final application to verify PITI and payoff of prior lien. Additional Conditions may apply - Due Diligence Vendor-04/08/2026 |
Resolved-Lender provided missing documentation for REO 3a - Due Diligence Vendor-04/09/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/09/2026 |
HUD.pdf FPL.pdf Note.pdf |
CA | Second Home | Purchase | NA | XXXX | N/A | N/A | ||||
| 2153543 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-08 14:28 | 2026-05-12 09:29 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-the lender provided the currency converter documentation. - Due Diligence Vendor-04/09/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. - Seller-04/09/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing documentation of the current exchange rate verifying the dollar amount $X,XXX.XX and $XXX,XXX.XX disclosed on final 1003 - Due Diligence Vendor-04/08/2026 |
Ready for Review-Document Uploaded. - Seller-04/09/2026 |
Resolved-the lender provided the currency converter documentation. - Due Diligence Vendor-04/09/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/09/2026 |
Acct 1.pdf Acct 2.pdf |
CA | Second Home | Purchase | NA | XXXX | N/A | N/A | |||
| 2153543 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-07 14:30 | 2026-04-09 08:16 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided missing documentation for REO 3a - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. - Seller-04/09/2026 Open-The file is missing Note, final CD/settlement statement and first payment letter/Coupon for recent refinance with lender of the borrower's primary residence, REO 3a on the final application to verify PITI and payoff of prior lien. Additional Conditions may apply. - Due Diligence Vendor-04/07/2026 |
Ready for Review-Document Uploaded. - Seller-04/09/2026 |
Resolved-Lender provided missing documentation for REO 3a - Due Diligence Vendor-04/09/2026 |
FPL.pdf HUD.pdf Note.pdf |
CA | Second Home | Purchase | NA | XXXX | N/A | N/A | |||
| 2153543 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-08 13:00 | 2026-04-09 08:10 | Resolved | 1 - Information | Credit | Assets | Asset General | Resolved-the lender provided the currency converter documentation. - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. - Buyer-04/09/2026 Open-Missing documentation of the current exchange rate verifying the dollar amount $X,XXX.XX and $XXX,XXX.XX disclosed on final 1003 - Due Diligence Vendor-04/08/2026 |
Resolved-the lender provided the currency converter documentation. - Due Diligence Vendor-04/09/2026 |
Acct 2.pdf Acct 1.pdf |
CA | Second Home | Purchase | NA | XXXX | N/A | N/A | ||||
| 2153555 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-09 10:42 | 2026-04-10 07:40 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. - Buyer-04/09/2026 Open-Housing History Does Not Meet Guideline Requirements In accordance with lender guidelines (Section 3.4.2), DSCR loans for borrowers residing rent-free require management review and exception. Currently, the audit team is unable to locate the documented approval for this exception in the loan file. - Due Diligence Vendor-04/09/2026 |
Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/10/2026 |
Exception.pdf | 62.5% LTV, 7.5%<70% max 780 FICO, 80>700 min 49 months reserves, 43>6 months required 0x30x31 with mortgage on credit |
CA | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | |||
| 2155674 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-15 13:27 | 2026-04-16 08:06 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-04/16/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please letter from Landlord, XXXXX payments and exception for the months paid in cash - Buyer-04/16/2026 Open-Housing History Does Not Meet Guideline Requirements The lender guideline 3.4.1 requires rent verification from a non-institution the borrower must document prior 12 months cancelled checks or bank statements. The file did not verify a complete 12-month rental history. - Due Diligence Vendor-04/15/2026 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-04/16/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/16/2026 |
Rental.pdf Exception.pdf |
FICO score greater than minimum of 680 DTI lower than maximum of 45% Reserves greater than minimum of 6 Have prior 15 months documented rent received prior to paying cash for full rent Same profession for 3 years. |
CA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| 2155674 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-15 12:48 | 2026-04-15 12:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/15/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/15/2026 |
CA | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | |||||
| 2155676 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-15 14:27 | 2026-04-16 12:09 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing ACH Form | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. - Buyer-04/16/2026 Open-Missing ACH Form. A completed ACH form is required for all cash-out refinances with an LTV greater than 70%; the current form in file is blank. - Due Diligence Vendor-04/15/2026 |
Fico 743, 43>700 min DSCR 1.25x, .25x>1.0x Res 30 mon, 24 mo > 6 mo min - 04/16/2026 |
Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/16/2026 |
Exception.pdf | Fico 743, 43>700 min DSCR 1.25x, .25x>1.0x Res 30 mon, 24 mo > 6 mo min | TX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No | ||
| 2155673 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-17 14:48 | 2026-04-21 07:37 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Lender provided documentation of the gift funds - Due Diligence Vendor-04/20/2026 Resolved-Audited Reserves of 7.29 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Gift was given at closing after closing realized the borrower would be short for reserves - Seller-04/20/2026 Open-Audited Reserves of 3.7 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Gift was given at closing after closing realized the borrower would be short for reserves - Seller-04/20/2026 |
Resolved-Lender provided documentation of the gift funds - Due Diligence Vendor-04/20/2026 Resolved-Audited Reserves of 7.29 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/20/2026 |
PCCD.pdf GIFT.pdf |
FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| 2155673 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-17 14:41 | 2026-04-20 11:17 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Lender provided documentation of the gift funds. - Due Diligence Vendor-04/20/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-04/20/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXXX.XX - Due Diligence Vendor-04/20/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Gift was given at closing after closing realized the borrower would be short for reserves - Buyer-04/20/2026 Open-After review of the statement from lender with regards to the gift funds not being required, however removing the gift funds created a shortage for the reserves. Per guidelines with LTV over 80% 6 months of reserves are required and we only have 3.7 - Due Diligence Vendor-04/17/2026 Open-After review of the statement from lender with regards to the gift funds not being required, however removing the gift funds created a shortage for the reserves. Per guidelines with LTV over 80% 6 months of reserves are required and we only have 3.29 - Due Diligence Vendor-04/17/2026 Open-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $XXXXXX.XX - Due Diligence Vendor-04/17/2026 |
Resolved-Lender provided documentation of the gift funds. - Due Diligence Vendor-04/20/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $36189.74 is equal to or greater than Total Required Reserve Amount of $29806.14 - Due Diligence Vendor-04/20/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $100159.2 is equal to or greater than Total Required Reserve Amount of $29806.14 - Due Diligence Vendor-04/20/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $36189.74 is equal to or greater than Total Required Reserve Amount of $29806.14 - Due Diligence Vendor-04/20/2026 |
GIFT.pdf PCCD.pdf |
FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| 2155673 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-15 10:23 | 2026-04-20 11:16 | Resolved | 1 - Information | Credit | Missing Doc | Gift Documentation Incomplete | Resolved-Lender provided documentation of the gift funds being received. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Gift was given at closing after closing realized the borrower would be short for reserves - Seller-04/20/2026 Open-Based upon Lender statement when the gift funds are removed from the total assets, we are then short for reserves. Please provide additional documentation verifying sufficient reserve amounts. Guidelines require 6 months and we have 3.7 months. - Due Diligence Vendor-04/17/2026 Open-Based upon Lender statement when the gift funds are removed from the total assets, we are then short for reserves. Please provide additional documentation verifying sufficient reserve amounts. Guidelines require 6 months and we have 3.29 months. - Due Diligence Vendor-04/17/2026 Rescinded-Yes, there was a gift letter in the file but there was not gift given for this transaction. All of the money for closing, per the enclosed wire receipt from escrow, were from XXXX #XXXX. There was other money and there was no gift given into XXXX $XXXX. Please rescind the finding on this one. - Due Diligence Vendor-04/17/2026 Open-Gift Documentation Incomplete. Missing proof of transfer of gift funds - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Gift was given at closing after closing realized the borrower would be short for reserves - Seller-04/20/2026 |
Resolved-Lender provided documentation of the gift funds being received. - Due Diligence Vendor-04/20/2026 Rescinded-Yes, there was a gift letter in the file but there was not gift given for this transaction. All of the money for closing, per the enclosed wire receipt from escrow, were from XXXX0 #XXXX. There was other money and there was no gift given into XXXX $XXXX. Please rescind the finding on this one. - Due Diligence Vendor-04/17/2026 |
GIFT.pdf PCCD.pdf |
FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| 2155679 | XXXXXXX | XXXXXXX | XXXXXX | Closed | 2026-04-16 05:34 | 2026-04-20 08:04 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided documentation using the debts from the credit report. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. See updated 1003 DTI is still well within line. - Buyer-04/17/2026 Open-For the Credit and Liabilities, the Credit report shows different payments for several accounts. From 1003 section 2C Debt # 4, 5, 6 does not match the credit report no supporting documents to verify. The 1003 also does not list a payment for XXXX revolving debt, however credit report does show this debt, need supporting documents to exclude this payment. XXX documents is not provided in the loan file. - Due Diligence Vendor-04/17/2026 Open-Please provide more clarification. Please be more specific so that we don’t have to be finding a needle in a haystack. - Due Diligence Vendor-04/17/2026 Open-The credit report and 1003 Liabilities some amount is decrease, so, we need supporting documents for those liabilities - Due Diligence Vendor-04/16/2026 |
Resolved-Lender provided documentation using the debts from the credit report. - Due Diligence Vendor-04/20/2026 |
XXXXXXXXX XXXXXXX.pdf | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |