Exhibit 99.09
Schedule 2. Selene Standard Findings Report
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | 2127960 | Closed | 2025-11-24 04:20 | 2025-11-26 00:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Evidence of Rate Lock Missing Provide evidence of Rate Lock. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2137709 | Closed | 2025-11-28 11:21 | 2026-03-02 07:47 | Resolved | 1 - Information | C | A | Credit | Credit | Flood Insurance Coverage Inadequate | Resolved-Received e-mail stating no claims since XX/XX/XXXXX between closing date and start of new policy - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Flood policy is current now - please clear - Seller-XX/XX/XXXX Counter-Policy date shows active X/X/XXXX need current policy - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Flood Insurance, LOE - Seller-XX/XX/XXXX Open-Need flood insurance with the policy number - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Flood policy is current now - please clear - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Flood Insurance, LOE - Seller-XX/XX/XXXX |
Resolved-Received e-mail stating no claims since XX/XX/XXXXX between closing date and start of new policy - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXX.XXX_XXXXX_ XXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137709 | Closed | 2025-11-28 11:21 | 2025-12-04 07:56 | Resolved | 1 - Information | C | A | Credit | Credit | DTI unknown | Resolved-Updated credit page, DFL page, and XXXX DTI is now in line. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX/XXXX with REO items updated. Rents added to XXXX XXXX and evidence of payment in file. See Seller Cert. - Seller-XX/XX/XXXX Open-Primary is not being included in the calculation. Based on docs in file. Borrower has primary and the front end DTI should be at XX.XX and the back end with the property that is showing as sold on final XXXX in amount of XXXX+X,XXX.XX(liabilities) +X,XXX.XX+XXXX=XX,XXX.XX= XX.XX for the back end DTI. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX/XXXX with REO items updated. Rents added to XXXX XXXX and evidence of payment in file. See Seller Cert. - Seller-XX/XX/XXXX |
Resolved-Updated credit page, DFL page, and XXXX DTI is now in line. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXXX.XXX_XXXXX_ XXXXX XXXXXX XXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137709 | Closed | 2025-11-25 07:52 | 2025-12-02 10:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2122558 | Closed | 2025-12-16 21:05 | 2025-12-19 02:52 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. GAP Credit - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Borrower X Gap Credit Report is Expired, Per the GL XX.XX.XXXX page # XX GAP report is required XX days prior to closing date. Provide the updated GAP report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. GAP Credit - Seller-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2122564 | Closed | 2025-12-13 04:53 | 2025-12-23 00:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease Agreement uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Rental agreement - Seller-XX/XX/XXXX Open-Per GL XX/XX/XXXX, page XX, for a refinance transaction, the required documents include FNMA Form XXXX or XXXX reflecting long-term market rents, and a lease agreement. Hence provide the lease agreement, as the appraisal indicates the property is tenant-occupied, but the lease agreement is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Rental agreement - Seller-XX/XX/XXXX |
Resolved-Lease Agreement uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2122564 | Closed | 2025-12-13 05:22 | 2025-12-19 03:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated HUD shows first lien being paid off. Verified & Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final HUD-X - Seller-XX/XX/XXXX Open-Final HUD-X Document is Missing. Provide updated HUD as the one in file does not show prior first lien being paid off. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final HUD-X - Seller-XX/XX/XXXX |
Resolved-Updated HUD shows first lien being paid off. Verified & Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2122579 | Closed | 2025-12-17 10:44 | 2025-12-31 06:52 | Resolved | 1 - Information | C | A | Credit | Credit | DTI unknown | Resolved-DTI within X% tolerance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Counter-DTI for the back end is not lining up because we do not have the additional investment property that closed. Please provide on the XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Income worksheet with updated XXXX - Seller-XX/XX/XXXX Open-DTI is not lining up. Using income in the amount of XXX,XXX.XX for the front end DTI is at XX,XXX.XX/XXX,XXX.XX= XX.XX. For the back end DTI is at XX,XXX.XX+XXX liabilities + rent loss in amount of X,XXX.XX=XX,XXX.XX/XXX,XXX.XX=XX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Income worksheet with updated XXXX - Seller-XX/XX/XXXX |
Resolved-DTI within X% tolerance. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXX.XXX_XXXXX_ XXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2122579 | Closed | 2025-12-16 04:37 | 2025-12-31 06:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-Received final XXXX updated XXXX page - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final URLA e-signed XX/XX - Seller-XX/XX/XXXX Open-The Final XXXX is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final URLA e-signed XX/XX - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-Received final XXXX updated XXXX page - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2122579 | Closed | 2025-12-16 20:23 | 2025-12-23 11:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Updated credit page. Primary paid in full - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Housing History – XX months payments on credit supp and it is paid in full - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Per the guideline Version XX/XX/XXXX on page#XX, the borrower is required to have a XX months housing history. Primary Mortgage or Rent Months updated as XXmonths. due to Unable to verify the Borrower XX months Housing history to meet the GL requirement Provide the VOM report to verify the XX months housing history. XXXX Only have XX months from credit report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Housing History – XX months payments on credit supp and it is paid in full - Seller-XX/XX/XXXX |
Resolved-Updated credit page. Primary paid in full - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXX - XX XXXXXX XXXXXXXX XXX XXXX XX XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2122579 | Closed | 2025-12-17 10:40 | 2025-12-23 11:34 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient Income Documentation | Resolved-Received updated income worksheet. Updated employment page. In line with worksheet - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Income worksheet with updated XXXX - Seller-XX/XX/XXXX Open-Using October XX- November XXXX get income of XXX,XXX.XX income worksheet in file is only using from September Need to use October as well. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Income worksheet with updated XXXX - Seller-XX/XX/XXXX |
Resolved-Received updated income worksheet. Updated employment page. In line with worksheet - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2122579 | Closed | 2025-12-16 06:39 | 2025-12-22 23:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2122608 | Closed | 2025-12-17 05:37 | 2025-12-19 03:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final XXXX with corrected REO properties provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX Open-The Final XXXX is Missing One in file REO section showing X) Property address "XXX XXXX" as second home, it need to be updated as primary residence & X) Property address "XXXX XXXX" as primary residence, it need to be updated as investment as per lox # XXX. Provide the updated final XXXX with same. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX |
Resolved-Updated Final XXXX with corrected REO properties provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2122594 | Closed | 2025-12-22 06:16 | 2025-12-26 07:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. ALTA FINAL-HUD - Seller-XX/XX/XXXX Open-Final HUD-X Document is Missing. one in final HUD-X is missing. Provide final HUD-X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. ALTA FINAL-HUD - Seller-XX/XX/XXXX |
Resolved-Final HUD-X Document provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXX-XXX XXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2122594 | Closed | 2025-12-22 05:55 | 2025-12-24 05:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2122594 | Closed | 2025-12-22 04:06 | 2025-12-23 03:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final XXXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX Open-The Final XXXX is Missing One in file initial XXXX is missing, Provide final XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX |
Resolved-Final XXXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXX XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2122594 | Closed | 2025-12-22 04:56 | 2025-12-23 03:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Pre-payment Rider - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing One in file prepayment fee rider is missing. Provide prepayment fee rider is missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Pre-payment Rider - Seller-XX/XX/XXXX |
Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2122599 | Closed | 2025-12-30 03:52 | 2026-01-13 07:00 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal - Seller-XX/XX/XXXX Open-Appraisal is Missing Please provide Primary Appraisal document, it is not available in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Appraisal - Seller-XX/XX/XXXX |
Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2122599 | Closed | 2026-01-09 00:40 | 2026-01-13 07:00 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal Re-Cert - Seller-XX/XX/XXXX Open-Provide either updated appraisal with in XXX days or provide XXXXD completion report doc. - Due Diligence Vendor-XX/XX/XXXX Open-Primary Value Appraisal is Expired, Check XXXXD Completion date if available to confirm if expired. (Days Difference is XXX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Appraisal Re-Cert - Seller-XX/XX/XXXX |
Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2122599 | Closed | 2025-12-30 05:49 | 2026-01-12 04:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History actual XX months Reviewed from the credit Report, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Please provide XX months housing history for Primary Mortgage - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX |
Resolved-Housing History actual XX months Reviewed from the credit Report, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XX XX XXXX_XXXXXX XXXXXXXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2137677 | Closed | 2026-01-27 09:24 | 2026-02-24 07:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PUD Rider - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete PEr appraisal, this is a PUD, both check mark stating PUD and PUD rider missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PUD Rider - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137677 | Closed | 2026-01-21 06:47 | 2026-02-05 06:40 | Resolved | 1 - Information | C | A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD provided and updated. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final HUD-X - Seller-XX/XX/XXXX Open-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. Provide the updated FINAL HUD-X Document with closing date of XX/XX/XXXX & Settlement Agent Signature, in file we have FINAL HUD-X Document with Closing date of XX/XX/XXXX. it is after the Note & Notary date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final HUD-X - Seller-XX/XX/XXXX |
Resolved-Final HUD provided and updated. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXXXX-X.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137677 | Closed | 2026-01-21 06:00 | 2026-02-03 04:05 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Per updated HUD-X, Disbursement on X/XX. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-insurance is effective on the XXth is also acceptable as the loan funded on the XXth - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX-XX-XXXX is after the Note & Notary Date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-insurance is effective on the XXth is also acceptable as the loan funded on the XXth - Seller-XX/XX/XXXX |
Resolved-Per updated HUD-X, Disbursement on X/XX. Hence resolved - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Purchase | NA | N/A | N/A | ||||||
| XXXX | 2137677 | Closed | 2026-01-21 06:18 | 2026-02-03 04:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the XXXXXXXXX XXXXXXX XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX |
Resolved-Updated Fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137677 | Closed | 2026-01-27 09:04 | 2026-01-30 07:03 | Resolved | 1 - Information | C | A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. NOTE - Seller-XX/XX/XXXX Open-The Note is Not Executed Note in file is not signed. please provide signed version. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. NOTE - Seller-XX/XX/XXXX |
Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137677 | Closed | 2026-01-23 06:35 | 2026-01-30 04:27 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Requested Initial Escrow account disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX Open-Provide Initial Escrow Account Disclosure (IEAD) as tax and insurances are being escrowed but IEAD is not in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX |
Resolved-Requested Initial Escrow account disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXXX XXXXXX XXXXXXX XXXXXXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137677 | Closed | 2026-01-21 05:20 | 2026-01-30 01:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Requested Guaranty Agreement provided, updated in BPVX & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement Doc missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX |
Resolved-Requested Guaranty Agreement provided, updated in BPVX & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137677 | Closed | 2026-01-21 05:47 | 2026-01-30 00:24 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Freddie SSR provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Freddie SSR - LCA Score of X - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the XXXXXXXXX XXXXXXX XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Freddie SSR - LCA Score of X - Seller-XX/XX/XXXX |
Resolved-Freddie SSR provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXXX XXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137677 | Closed | 2026-01-21 07:12 | 2026-01-30 00:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-XX/XX/XXXX Open-PUD Rider is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||||
| XXXX | 2137677 | Closed | 2026-01-21 07:10 | 2026-02-24 07:06 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Open-The Deed of Trust is Missing Provide the updated DOT Document with PUD Rider check mark on it, as per the Appraisal report property type is PUD. but there is not PUD RIDER in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||||
| XXXX | 2137679 | Closed | 2026-01-28 23:40 | 2026-02-23 08:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. the Statement showing the sale of property from the XXXX Assets should be sufficient - XXXXXX-XX/XX/XXXX Counter-The amount of XXX,XXX.XX is what we have reflected with docs received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS - The Final SS shows the borrower had to come in with less funds than the investor was showing. This then shows they have sufficient funds for reserves - XXXXXX-XX/XX/XXXX Counter-Need docs for reserves attached is final hud - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS - XXXXXX-XX/XX/XXXX Open-Audited Reserves of X.XX month(s) are less than XXXXXXXXX Required Reserves of X month(s) As per guidelines for LTV<=XX% reserves required X months of PITIA. Final HUD showing cash from borrower $ XXXXXX.X+ PITIA $ XXXXX.XX (X *$ XXXX.XXmonths reserves) = $XXXXXX.XX, available verified asset $XXX,XXX.XX. the loan is short funds $X,XXX.XX, Provide the additional assets to cover the shortage amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. the Statement showing the sale of property from the XXXX Assets should be sufficient - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS - The Final SS shows the borrower had to come in with less funds than the investor was showing. This then shows they have sufficient funds for reserves - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS - XXXXXX-XX/XX/XXXX |
Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXX XX.XXX_XXXXX_ XXXXX XX.XXX_XXXXX_ XXXX XX XXXXXXXX - XXXXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137679 | Closed | 2026-01-28 23:26 | 2026-02-23 06:28 | Resolved | 1 - Information | C | A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Received affidavit Notary date is X/XX/XXXXX updated DOT - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Scriveners affidavit showing the notary date was an error. - XXXXXX-XX/XX/XXXX Open-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. Final Hud X showing disbursement date XX/XX/XXXX before the notary acknowledgement date of XX/XX/XXXX. Provide the updated final HUD X document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Scriveners affidavit showing the notary date was an error. - XXXXXX-XX/XX/XXXX |
Resolved-Received affidavit Notary date is X/XX/XXXXX updated DOT - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXXX XXXXXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137679 | Closed | 2026-01-29 00:08 | 2026-02-04 05:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX Open-For BX, final XXXX demographic information section - sex is showing as male, please provide the updated XXXX with sex as female. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX |
Resolved-Updated Final XXXX provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137679 | Closed | 2026-01-28 23:04 | 2026-02-04 04:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high & X Low uncleared alert. The required cleared report is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX |
Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140098 | Closed | 2026-02-04 03:22 | 2026-03-09 14:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Received updated XXXX and XXXX using PITA for rent loss. updated DFL, XXXX, and XXXX pages. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX/XXXX removing all rental income. The following debts have been documented as being paid by the business: XX XXXX XXXX, XXXXXXXXX XXXXXXXXX; XXXX XXXXXX XXXX; XXXXX XXXXXX XXXX therefore have been omitted from the debt ratio - XXXXXX-XX/XX/XXXX Open-Property is Investment there is no XXXX document in file. XXXX states lease no lease in file. Also no XXXX and is reporting as a positive income. Will need the lease as well - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Property is Investment there is no XXXX document in file. Not needed using full PITA for rent loss - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX/XXXX removing all rental income. The following debts have been documented as being paid by the business: XX XXXX XXXX, XXXXXXXXX XXXXXXXXX; XXXX XXXXXX XXXX; XXXXX XXXXXX XXXX therefore have been omitted from the debt ratio - XXXXXX-XX/XX/XXXX |
Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Received updated XXXX and XXXX using PITA for rent loss. updated DFL, XXXX, and XXXX pages. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Property is Investment there is no XXXX document in file. Not needed using full PITA for rent loss - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX.XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140098 | Closed | 2026-02-19 14:08 | 2026-03-09 14:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Received updated XXXX not using rents full loss of rents being used Updated XXXX, employment pages. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX/XXXX removing all rental income. The following debts have been documented as being paid by the business: XX XXXX XXXX, XXXXXXXXX XXXXXXXXX; XXXX XXXXXX XXXX; XXXXX XXXXXX XXXX therefore have been omitted from the debt ratio - XXXXXX-XX/XX/XXXX Open-Reporting positive income for XXXX W XXXX no lease in file to support this information - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX/XXXX removing all rental income. The following debts have been documented as being paid by the business: XX XXXX XXXX, XXXXXXXXX XXXXXXXXX; XXXX XXXXXX XXXX; XXXXX XXXXXX XXXX therefore have been omitted from the debt ratio - XXXXXX-XX/XX/XXXX |
Resolved-Condition Resolved or Not Applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Received updated XXXX not using rents full loss of rents being used Updated XXXX, employment pages. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX.XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140098 | Closed | 2026-02-05 14:13 | 2026-03-09 13:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Received updated XXXX with no income or ownership showing for co borrower. Updated XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX/XXXX & Explanation Attached - XXXXXX-XX/XX/XXXX Counter-XXXX attached shows co borrower with ownership and income calculator has it with the primary borrower being XXX% owner Will need updated income worksheet and CPA letter with percentage of ownership - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX Open-Based on operating agreement in file borrower is XXX% owner however on XXXX co borrower states has ownership as well. Need either CPA letter or business narrative. IF co borrower is part owner need updated docs with correct income. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX/XXXX & Explanation Attached - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX |
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Received updated XXXX with no income or ownership showing for co borrower. Updated XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX.XXX_XXXXX_ XXXX.XXXX.XXX_XXXXX_ XXXXXX_XXXXXXX_XXX.XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140098 | Closed | 2026-02-04 02:23 | 2026-02-06 14:21 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXX or XXXXX UCDP/XXX report with a score less than X.X, or an appraisal desk review. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140098 | Closed | 2026-02-04 02:45 | 2026-02-06 14:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report cleared - XXXXXX-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the XX XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report cleared - XXXXXX-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2133244 | Closed | 2026-02-05 06:46 | 2026-02-17 06:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Received final Hud updated Hud page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX Counter-Attached is not signed by settlement agent - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Final Disbursement Summary - XXXXXX-XX/XX/XXXX Open-Final HUD-X Document is Missing. Provide the HUDX document with required parties signatures - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Final Disbursement Summary - XXXXXX-XX/XX/XXXX |
Resolved-Received final Hud updated Hud page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXX XXXX XXXXXXX.XXX_XXXXX_ XXXX-XXX XX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2133244 | Closed | 2026-02-05 06:55 | 2026-02-09 13:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received signed final XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final URLA - Seller-XX/XX/XXXX Open-The Final XXXX is Missing Provide the final XXXX, it is not available in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final URLA - Seller-XX/XX/XXXX |
Resolved-Received signed final XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2133244 | Closed | 2026-02-05 05:19 | 2026-02-09 13:47 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Freddie SSR - LCA Score X - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Freddie SSR - LCA Score X - Seller-XX/XX/XXXX |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXXXX XXX.XXX | XXXXXXX XXX XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX (XXXX XXXXXXXXXX XXXXXXXX XX XXXXXXX) XXX XXXXXXXXX XXXXXXXXXXXX | XX | Investment | Purchase | NA | N/A | N/A | ||||
| XXXX | 2133244 | Closed | 2026-02-05 06:55 | 2026-02-09 13:44 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Received IED updated disclosure page - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX Open-Provide the initial escrow account disclosure - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. IEADS - Seller-XX/XX/XXXX |
Resolved-Received IED updated disclosure page - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXXX XXXXXX XXXXXXX XXXXXXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137678 | Closed | 2026-02-09 00:39 | 2026-02-23 09:12 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A Valid COC required - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXXXX XXXXXXXXXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137678 | Closed | 2026-02-08 23:35 | 2026-02-11 03:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleared alerst in Fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX |
Resolved-There are Uncleared alerst in Fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137678 | Closed | 2026-02-08 22:55 | 2026-02-10 03:22 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation LCA with score of X provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or an appraisal desk review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX |
Resolved-Requested secondary valuation LCA with score of X provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX _XXXXXXX XXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140100 | Closed | 2026-02-09 10:52 | 2026-02-12 04:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud report, provided updated fraud report , changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX-XX-XXXX page #XX a clear fraud report is required. The Fraud report in file (page #XXX) has uncleared alerts. The required cleared Fraud report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-There are uncleared alerts in fraud report, provided updated fraud report , changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137682 | Closed | 2026-02-10 00:14 | 2026-02-25 07:53 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Received updated XXXX gift funds total is XXX,XXX updated XXXX and asset page. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Counter-Need updated XXXX to reflect gift funds in the amount of XXXk and XXk. Still reflects XXXk not deposited and XX,XXX not deposited on the XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Counter-Have confirmation of the XXX,XXX if that is all the gift funds received need updated XXXX shows XXXk XXXk and XXk. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Gift & Final SS - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Asset X- Unable to verify proof of gift amount of $XXXXX (Gift letter Page# XXX). Provide the proof of gift amount $XXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Gift & Final SS - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Received updated XXXX gift funds total is XXX,XXX updated XXXX and asset page. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXXXXXX - $XXXX XXX $XXX.XXX_XXXXX_ XXXXX XX.XXX_XXXXX_ XXXX.XXX_XXXXX_ XXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137682 | Closed | 2026-02-10 00:14 | 2026-02-25 07:53 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Received updated XXXX gift funds total is XXX,XXX updated XXXX and asset page. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Counter-Need updated XXXX to reflect gift funds in the amount of XXXk and XXk. Still reflects XXXk not deposited and XX,XXX not deposited on the XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Counter-Have confirmation of the XXX,XXX if that is all the gift funds received need updated XXXX shows XXXk XXXk and XXk. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Have confirmation of the XXX,XXX if that is all the gift funds received need updated XXXX shows XXXk XXXk and XXk. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Gift & Final SS - Seller-XX/XX/XXXX Open-Asset X Does Not Meet Guideline Requirements Asset X- Unable to verify proof of gift amount of $XXXXXX(Gift letter Page# XXX). Provide the proof of gift amount $ XXXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Gift & Final SS - Seller-XX/XX/XXXX |
Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Received updated XXXX gift funds total is XXX,XXX updated XXXX and asset page. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XX.XXX_XXXXX_ XXXX XXXXXXXXXXXXX - $XXXX XXX $XXX.XXX_XXXXX_ XXXX.XXX_XXXXX_ XXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137682 | Closed | 2026-02-10 00:14 | 2026-02-25 07:53 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Received updated XXXX gift funds total is XXX,XXX updated XXXX and asset page. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Counter-Need updated XXXX to reflect gift funds in the amount of XXXk and XXk. Still reflects XXXk not deposited and XX,XXX not deposited on the XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Counter-Have confirmation of the XXX,XXX if that is all the gift funds received need updated XXXX shows XXXk XXXk and XXk. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Gift & Final SS - Seller-XX/XX/XXXX Open-Asset X Does Not Meet Guideline Requirements Asset X- Unable to verify proof of gift amount of $XXXXXX(Gift letter Page# XXX). Provide the proof of gift amount $ XXXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Gift & Final SS - Seller-XX/XX/XXXX |
Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Received updated XXXX gift funds total is XXX,XXX updated XXXX and asset page. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XX.XXX_XXXXX_ XXXX XXXXXXXXXXXXX - $XXXX XXX $XXX.XXX_XXXXX_ XXXX.XXX_XXXXX_ XXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137682 | Closed | 2026-02-10 01:30 | 2026-02-13 03:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX Open-Final XXXX showing current address as "XXX XXXXXXXXXX XX" , But in REO section primary residence address showing as "XXX XXXXXXXXXX XX". Provide the updated XXXX for the same. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX |
Resolved-Updated XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137682 | Closed | 2026-02-10 00:58 | 2026-02-13 03:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137683 | Closed | 2026-02-11 00:36 | 2026-02-23 06:36 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) Missing Acknowledgment of appraisal in the file This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced m ortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX-XXX, XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||||
| XXXX | 2137683 | Closed | 2026-02-11 00:36 | 2026-02-11 00:43 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX-XXX, XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX-XXX, XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||||
| XXXX | 2137704 | Closed | 2026-02-12 02:39 | 2026-02-17 01:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Property is free and clear per provided primary insurance doc. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Insurance for Primary housing shows no mortgagee, evidencing home is owned free and clear - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Unable to verify Borrower's Primary Mortgage history, Provide VOM or Free and clear letter document - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Insurance for Primary housing shows no mortgagee, evidencing home is owned free and clear - Seller-XX/XX/XXXX |
Resolved-Property is free and clear per provided primary insurance doc. Hence resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX - XXXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140114 | Closed | 2026-02-13 02:08 | 2026-03-18 10:44 | Acknowledged | 2 - Non-Material | B | B | Credit | Credit | Spousal Consent Missing | Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Client Acknowledges - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Client Acknowledges - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | |||||||
| XXXX | 2140114 | Closed | 2026-02-13 03:14 | 2026-02-18 03:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the XX XXX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX |
Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2143979 | Closed | 2026-02-17 10:49 | 2026-03-20 07:58 | Resolved | 1 - Information | C | A | Credit | Credit | Escrow information insufficient or has discrepancy | Resolved-Updated system with PCCD provided with updated escrow amount of $X,XXX.XX (HOI $XXX.XX & Tax $XXX.XX) per documentation in the file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD with updated First Payment Letter - Seller-XX/XX/XXXX Counter-Provide a PCCD as the variance for escrows is $XXX.XX monthly. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX. The new servicer will re-assess the escrow acct once this is transferred over. - Seller-XX/XX/XXXX Open-The final CD escrow payment is reflecting $XXX.XX monthly for taxes & insurance. However, the property tax & insurance documentation in the file reflects $XXX.XX+XXX.XX=$X,XXX.XX. Provide a PCCD revising the property tax cert in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD with updated First Payment Letter - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX. The new servicer will re-assess the escrow acct once this is transferred over. - Seller-XX/XX/XXXX |
Resolved-Updated system with PCCD provided with updated escrow amount of $X,XXX.XX (HOI $XXX.XX & Tax $XXX.XX) per documentation in the file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX_XXXXX_ XXXXXXX XXXXXXXXX.XXX |
XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2143979 | Closed | 2026-02-17 10:12 | 2026-02-20 08:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Provide an updated fraud report with cleared alerts. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2143979 | Closed | 2026-02-13 00:02 | 2026-03-20 07:56 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’sXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’sXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | N/A | N/A | |||||||
| XXXX | 2155503 | Closed | 2026-02-16 03:19 | 2026-02-20 08:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XXX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX has an uncleared alert. Provide an updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2137706 | Closed | 2026-02-14 02:05 | 2026-02-20 11:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. LOE - Seller-XX/XX/XXXX Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide LOE allowing borrower to use XXX% of the funds from Xxxxx XXXX #XXXX account as borrower held this account jointly with another person. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. LOE - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2137702 | Closed | 2026-02-18 10:54 | 2026-02-25 08:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX: This is a purchase of an Investment Property. We are using market rents off the XXXX. - Seller-XX/XX/XXXX Open-Only have extension for lease do not have agreement with lease amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX: This is a purchase of an Investment Property. We are using market rents off the XXXX. - Seller-XX/XX/XXXX |
Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137702 | Closed | 2026-02-14 04:59 | 2026-02-25 08:06 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX for assets - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Provide proof of document for Xxxxxxx Xxxxxxx mutual funds for the amount of $XX,XXX as referenced in the BX final XXXX page #XXX, since this document is not currently included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX for assets - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137702 | Closed | 2026-02-14 05:07 | 2026-02-25 06:29 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Received updated DSCR worksheet. Updated DFL pager and employment page. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. DSCR Calculator. - Seller-XX/XX/XXXX Counter-Need updated worksheet with correct PITIA of X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. DSCR - Seller-XX/XX/XXXX Open-Audited DSCR is X.XXX and lender DSCR is X.XXX. The difference is X.XXX. Audited DSCR is based on Rent $X,XXX / PITIA $X,XXX.XX (P&I X,XXX.XX + Tax $XXX.XX + Insurance $XXX.XX) = X.XXX. Provide lender DSCR worksheet to validate the variance in lender calculations as the worksheet is currently not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. DSCR Calculator. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. DSCR - Seller-XX/XX/XXXX |
Resolved-Received updated DSCR worksheet. Updated DFL pager and employment page. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX.XXX_XXXXX_ XXXX XXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137702 | Closed | 2026-02-14 05:02 | 2026-02-19 14:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137701 | Closed | 2026-02-13 23:07 | 2026-02-24 09:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Counter-Report shows third party alerts. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX.XXX_XXXXX_ XXXXXXX XXXXXX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2137701 | Closed | 2026-02-13 23:20 | 2026-02-20 08:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HUD-X - Seller-XX/XX/XXXX Open-Final HUD-X Document is Missing. Provide updated final HUDX as the page#X of X is not properly imaged. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HUD-X - Seller-XX/XX/XXXX |
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2137701 | Closed | 2026-02-18 20:41 | 2026-02-20 08:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-Received complete and executed loan agreement. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide the Loan Agreement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received complete and executed loan agreement. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2137701 | Closed | 2026-02-13 22:32 | 2026-02-20 08:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Guaranty Agreement Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Provide Guaranty agreement as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Guaranty Agreement Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2137701 | Closed | 2026-02-13 23:26 | 2026-02-19 23:18 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Initial Escrow Acct Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. IEAD - Seller-XX/XX/XXXX Open-Provide updated Initial Escrow Account Disclosure (IEAD) document as the one in file is not completely imaged. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. IEAD - Seller-XX/XX/XXXX |
Resolved-Initial Escrow Acct Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX XXXXXXX XXXXXXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2137701 | Closed | 2026-02-13 22:32 | 2026-02-18 20:38 | Acknowledged | 2 - Non-Material | B | B | Credit | Credit | Spousal Consent Missing | Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Client Acknowledges. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Client Acknowledges. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | |||||||
| XXXX | 2137689 | Closed | 2026-02-13 21:22 | 2026-02-20 02:11 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-DSCR Worksheet uploaded, Audited DSCR matches with the DSCR worksheet, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. DSCR Calc - Seller-XX/XX/XXXX Open-Provide lender DSCR worksheet to validate lender calculations as the worksheet is currently not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. DSCR Calc - Seller-XX/XX/XXXX |
Resolved-DSCR Worksheet uploaded, Audited DSCR matches with the DSCR worksheet, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2137708 | Closed | 2026-02-17 00:45 | 2026-02-25 03:01 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Appraisal is expired, provided updated Appraisal, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated Appraisal - Seller-XX/XX/XXXX Open-Primary Value Appraisal is Expired, Check XXXXD Completion date if available to confirm if expired. (Days Difference is XXX) One in file appraisal is expired. Provide the updated appraisal or XXXXD report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated Appraisal - Seller-XX/XX/XXXX |
Resolved-Appraisal is expired, provided updated Appraisal, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2143977 | Closed | 2026-02-18 09:47 | 2026-03-11 07:44 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR is less than 1.00 | Resolved-Updated to Low-Ratio DSCR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. DSCR Calculator - per UW, the investigator agreed to keep the loan at a cost since it will be a low DSCR - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. DSCR Calculator - per UW, the investigator agreed to keep the loan at a cost since it will be a low DSCR - Seller-XX/XX/XXXX Open-Calculated DSCR is less than X . The calculation validating the correct DSCR is as follows: $XXXX & PITIA of $ XXXX.XX = X.XXXDSCR. The difference in originated and calculated DSCR is X.XXX, this is due to the tax amount. As per IEAD, first payment letter & HUD statement tax amount its reflecting as $XXX.XX. however as per tax certificate its reflecting as $XXXX.XX/XX=XXX.XX. considered tax amount from IEAD,HUD and First payment letter. i.e. $XXX.XX. Due to which there is difference in DSCR ratio. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. DSCR Calculator - per UW, the investigator agreed to keep the loan at a cost since it will be a low DSCR - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. DSCR Calculator - per UW, the investigator agreed to keep the loan at a cost since it will be a low DSCR - Seller-XX/XX/XXXX |
Resolved-Updated to Low-Ratio DSCR - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137692 | Closed | 2026-02-17 23:48 | 2026-02-23 09:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alerts. The required clear fraud report is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137692 | Closed | 2026-02-18 00:49 | 2026-02-23 01:13 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Updated DSCR worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX Open-Originator considered Property tax amount as $XXX.XX but the actual tax amount as per first payment letter and tax certificate is $XXX.XX, due to this there is a difference of DSCR ratio (More than X.XX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX |
Resolved-Updated DSCR worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137705 | Closed | 2026-02-18 00:45 | 2026-02-23 01:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Final XXXX, XXXX & Lender Income Worksheet with corrected qualifying income uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Calculation Worksheet, XXXX & XXXX - Seller-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Per the final XXXX and XXXX, borrower is receiving other income of $XX,XXX.XX ( $X,XXX + $XX,XXX.XXX). Provide lender income calculation worksheet validating this amount as it the worksheet is currently not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Calculation Worksheet, XXXX & XXXX - Seller-XX/XX/XXXX |
Resolved-Updated Final XXXX, XXXX & Lender Income Worksheet with corrected qualifying income uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXX XXXX.XXX |
XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2137705 | Closed | 2026-02-18 01:41 | 2026-02-23 08:19 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Findings - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#’ XXXs An interior and exterior appraisal was completed for this property – see pg XX-XXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX,XX, The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Findings - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#’ XXXs An interior and exterior appraisal was completed for this property – see pg XX-XXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX,XX, The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||||
| XXXX | 2137700 | Closed | 2026-02-17 21:10 | 2026-02-24 04:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated settlement statement shows payoff value. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX Open-Final HUD-X Document is Missing. Provide updated settlement statement as the one in file (X) is missing settlement agent signature (X) doesn't show prior first lien being paid off - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX |
Resolved-Updated settlement statement shows payoff value. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX'X XXXXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2137697 | Closed | 2026-02-18 02:08 | 2026-02-23 08:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137697 | Closed | 2026-02-18 03:11 | 2026-02-23 00:30 | Resolved | 1 - Information | C | A | Credit | Title | Title Effective Date Greater Than 3 Months Prior From Note | Resolved-Updated title doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Title Commitment - Seller-XX/XX/XXXX Open-Commitment in file dated XX/X/XXXX is expired. Provide an updated title commitment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Title Commitment - Seller-XX/XX/XXXX |
Resolved-Updated title doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXX XXXXXXXXXX X (XX).XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2143986 | Closed | 2026-02-19 13:11 | 2026-03-16 12:45 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX Open-Final HUD-X Document is Missing. Hud in file is not showing payoffs to liens on the property Shows borrower receiving XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX |
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2143986 | Closed | 2026-02-19 13:02 | 2026-03-16 06:23 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Received exception for LTV not meeting guidelines for being a rural property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX Counter-Per the appraisal it is marked as rural - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is the CFBP lookup supporting this is not a rural property. Can this be accepted to support as the property is not rural? - Seller-XX/XX/XXXX Open-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% LTV for rural properties is at XX% and cash out calls for X% reduction. Max LTV is XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is the CFBP lookup supporting this is not a rural property. Can this be accepted to support as the property is not rural? - Seller-XX/XX/XXXX |
Waived-Received exception for LTV not meeting guidelines for being a rural property. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XX XXXXX.XXX_XXXXX_ XXXXXXXXXX XXXX XXXX XXXXX XXXXXX.XXX_XXXXX_ XXXXXXXXX XXXXXXXX.XXX |
XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX XXXX XXXXXXXX XXXXXXX XXX (XX ) XXXXXX. XXXXXXXX XXX X XXXXX XX XXXXXXXXXX XXXX XXXXXXXXXX XXXXXXXXXX. |
XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | ||||
| XXXX | 2143986 | Closed | 2026-02-18 03:59 | 2026-02-20 11:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Potential Fraud Reflected on Fraud Report Per the GL XXX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing High alert, provide updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX_XXXXX_ XXX.XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2143986 | Closed | 2026-02-18 03:50 | 2026-02-20 11:09 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Provide the replacement cost. Policy amount is less than loan amount - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX_XXXXX_ XXX.XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2137703 | Closed | 2026-02-18 09:19 | 2026-02-24 03:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX |
Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140103 | Closed | 2026-02-18 05:45 | 2026-03-02 12:34 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated XXXX, XXXX pages DTI is in line. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited DTI XX.XX% Lender DTI XX.XX% difference is X.XX % this is due to lender considered the X) monthly income as $XX,XXX.XX whereas as per our calculation XX,XXX.XX X) This is due to the CPA letter stating that the business operates with expense factor of XX% No business narrative in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated XXXX, XXXX pages DTI is in line. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXX.XXXX.XXX |
XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140103 | Closed | 2026-02-20 07:46 | 2026-03-02 12:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Resolved-Received pass port for borrower US citizen - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Passport attached - Seller-XX/XX/XXXX Counter-Wrong docs are attached - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX. The new servicer will re-assess the escrow acct once this is transferred over. - Seller-XX/XX/XXXX Open-XXXX Document is Missing XXXX states conditioned for proof of Us citizenship do not see this mentioned or if cleared on the loan approval in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Passport attached - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX. The new servicer will re-assess the escrow acct once this is transferred over. - Seller-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Resolved-Received pass port for borrower US citizen - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX_XXXXX_ XXXXXXXX.XXX |
XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140103 | Closed | 2026-02-18 04:43 | 2026-02-24 06:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137676 | Closed | 2026-02-18 00:02 | 2026-02-24 06:40 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Assets for sale of property - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements We have Proceeds from Sale Funds for borrower amount $XXX,XXX.XX as per the final XXXX but proof of document is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Assets for sale of property - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XX XXX XXXXXXXX XXXXXXXX XXXX.XXX | XX | Second Home | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137676 | Closed | 2026-02-18 00:24 | 2026-02-24 01:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High/Medium alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Second Home | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137691 | Closed | 2026-02-18 04:36 | 2026-02-23 02:46 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXX SSR - LCA Score of X - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXX SSR - LCA Score of X - Seller-XX/XX/XXXX |
Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXXXXX XXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2137691 | Closed | 2026-02-18 07:36 | 2026-02-23 01:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested XXXX Final Document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX Open-The Final XXXX is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX |
Resolved-Requested XXXX Final Document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXXX XXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2137691 | Closed | 2026-02-18 05:58 | 2026-02-23 01:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-Requested "XXXXX XXXX XXXXXX XXXXXX XX XXXXXXXXX" provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXX XXXX XXXXXX XXXXXX XX XXXXXXXXX - Seller-XX/XX/XXXX Open-XXXXX XXXX XXXXXX XXXXXX XX XXXXXXXXX is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXX XXXX XXXXXX XXXXXX XX XXXXXXXXX - Seller-XX/XX/XXXX |
Resolved-Requested "XXXXX XXXX XXXXXX XXXXXX XX XXXXXXXXX" provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXXX XXXX XXXXXX XXXXXXX XX XXXXXXXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140011 | Closed | 2026-02-24 12:57 | 2026-03-03 13:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Updated guidelines provided. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Due Diligence Vendor-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Provide LOX or XX months payment history for primary residence to verify XxXXxXX payment history. - Due Diligence Vendor-XX/XX/XXXX |
The intent of our guideline was to ensure that if the primary mortgage does not appear on the borrower/guarantors credit report, that the mortgage on the primary residence was in good standing. This was meant to be accomplished by asking for a mortgage statement for that property. Our guidelines were inadvertently unclear on this point and the language in our guidelines will be adjusted to reflect the intent and it will read as follows: Primary residence Mortgage History: X. Must provide proof of satisfactory payment history for the last XX months on the borrower’s Primary Residence, and all other mortgage accounts reported on credit. X. If the borrower owns their primary residence and the mortgage history exists as a tradeline on the guarantor credit report and shows a satisfactory XX-month payment history, then no further verification is required. i. The above also applies to other mortgage tradelines reporting on credit. ii. However, if the primary residence mortgage does not appear on the borrower/guarantor’s credit report, then only a current mortgage statement is required to ensure the mortgage is in good standing. X. If the borrower rents their primary residence, then a XX-month Verification of Rents (VOR) is required. i. Proof of last XX months of payments via bank statements is also acceptable ii. If the borrower lives rent free in their primary residence, then a “Rent Free” letter must be provided - XX/XX/XXXX |
Resolved-Updated guidelines provided. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||||
| XXXX | 2137693 | Closed | 2026-02-20 05:07 | 2026-02-24 04:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX Open-Final HUD-X Document is Missing. Final Stamped/signed HUD not in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX |
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2137685 | Closed | 2026-02-23 11:51 | 2026-05-28 13:23 | Acknowledged | 2 - Non-Material | B | B | Credit | Credit | Spousal Consent Missing | Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Client Acknowledges - Due Diligence Vendor-XX/XX/XXXX Waived- - Due Diligence Vendor-XX/XX/XXXX Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Client Acknowledges - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | |||||||
| XXXX | 2137685 | Closed | 2026-02-20 05:37 | 2026-02-25 02:41 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-DSCR rental value considered from XXXXXX short term, and XXX Xxx doc is missing, Provided XXX xxx, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXXX attached - Seller-XX/XX/XXXX Open-Per lender calculation worksheet gross rent is considered from XXXXXXX of $X,XXX.XX. XXXXXXX/Short term rental document is missing in file. Provide STR/XXXXXXX document - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXXX attached - Seller-XX/XX/XXXX |
Resolved-DSCR rental value considered from XXXXXX short term, and XXX Xxx doc is missing, Provided XXX xxx, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2151854 | Closed | 2026-02-22 22:51 | 2026-05-11 10:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Received Asset Depletion calculator. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Asset Depletion income calculator. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX |
Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Received Asset Depletion calculator. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXX XXXXXXXXXX.XXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2137686 | Closed | 2026-02-23 22:34 | 2026-02-25 12:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | ||||||
| XXXX | 2140109 | Closed | 2026-02-24 04:21 | 2026-03-10 12:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Access letter is missing for #XXXX (Joint Account page #XX & XXX), asked for same, provided Updated Final XXXX where stating the same account is not removed, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide the letter of explanation showing the borrower has authorized access to all funds from account #XXXX (Joint Account page #XX & XXX) as per XX XX.XX.XXXX page #XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Access letter is missing for #XXXX (Joint Account page #XX & XXX), asked for same, provided Updated Final XXXX where stating the same account is not removed, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140109 | Closed | 2026-02-24 13:29 | 2026-03-10 11:58 | Resolved | 1 - Information | C | A | Credit | Credit | Subject Gross Monthly Rent Income not verified | Resolved-XXXX and XXXX market rent of $XX,XXX*XX% expense factor is $XX,XXX monthly allowed per XX X.X.X.X Option X. - Due Diligence Vendor-XX/XX/XXXX Counter-The document provided does not support the STR figure on the Borrower/Loan Information DSCR calculation sheet in the file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX Counter-Provide the XXXX to support the STR figure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Loan Approval - Seller-XX/XX/XXXX Open-Provide XXXX per loan approval on page XXX to substantiate STR on page XXX of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Loan Approval - Seller-XX/XX/XXXX |
Resolved-XXXX and XXXX market rent of $XX,XXX*XX% expense factor is $XX,XXX monthly allowed per XX X.X.X.X Option X. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX.XXX_XXXXX_ XXXXXXX - XXXXXX.XXX_XXXXX_ XXXXXXXX XXXXXXXXXX XXXXXX.XXX_XXXXX_ XXXXXXX - XXXXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140109 | Closed | 2026-02-24 04:04 | 2026-02-26 01:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleared alerts in Fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-There are Uncleared alerts in Fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140109 | Closed | 2026-02-24 03:47 | 2026-02-25 03:15 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. SSR - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. SSR - Seller-XX/XX/XXXX |
Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2137688 | Closed | 2026-02-24 02:39 | 2026-02-26 11:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX Open-Final HUD-X Document is Missing. Provide updated settlement statement as the one in file (X) doesn't show prior first lien being paid off - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX |
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140104 | Closed | 2026-02-23 23:50 | 2026-03-01 22:33 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested electronically signed final XXXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX Open-The Final XXXX is Missing Final XXXX is missing. Provide final XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX |
Resolved-Requested electronically signed final XXXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXX XXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140104 | Closed | 2026-02-23 22:57 | 2026-02-27 00:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared fraud / Risk assessment report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140097 | Closed | 2026-02-24 02:30 | 2026-03-09 08:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX Resolved-received final Hud - assets are now sufficient - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS attached shows cash to close is less than what was on HUD - Seller-XX/XX/XXXX Counter-HUD in file has $XX,XXX.XX+$XXXX unverified EMD and he has $XX,XXX.XX in assets, therefore assets are not sufficient. Even with the CPA letter stating XXX% owner ship still short. please provide Final True and certified HUD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CPA Letter. States the company is Fully owned by borrower - Seller-XX/XX/XXXX Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) **This will reconcile once asset authorization is received** As per matrix XX.XX.XXXX for LTV<=XX% reserves required X months of PITIA. Final HUD showing cash from borrower $XX,XXX.XX+ PITIA $X,XXX.XX(X *$X,XXX.XX months reserves) = $XX,XXX.XX , available verified asset $XX,XXX.XX . the loan is short funds $X,XXX.X, provide the additional assets to cover the short amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final SS attached shows cash to close is less than what was on HUD - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. CPA Letter. States the company is Fully owned by borrower - Seller-XX/XX/XXXX |
Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX Resolved-received final Hud - assets are now sufficient - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX.XXX_XXXXX_ XXXXX XX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140097 | Closed | 2026-02-24 05:29 | 2026-03-09 08:40 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CPA Letter. States the company is Fully owned by borrower - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Unable to determine ownership % for the business "XXXXXX XXXXXXXXXXXXXX XXX" and if funds are authorized to be used if borrower is not XXX% owner - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CPA Letter. States the company is Fully owned by borrower - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140097 | Closed | 2026-02-24 05:29 | 2026-03-09 08:40 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CPA Letter. States the company is Fully owned by borrower - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Unable to determine ownership % for the business "XXXXXX XXXXXXXXXX XXX" and if funds are authorized to be used if borrower is not XXX% owner - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CPA Letter. States the company is Fully owned by borrower - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140097 | Closed | 2026-02-24 05:15 | 2026-03-06 10:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-received final signed XXXX dated X/X/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX Counter-XXXX uploaded is in file, Final XXXX signed at closing not in file - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX Open-The Final XXXX is Missing Final signed XXXX not in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX |
Resolved-received final signed XXXX dated X/X/XX - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXX.XXX_XXXXX_ XXXXX XXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140097 | Closed | 2026-02-24 05:19 | 2026-02-26 12:31 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-received DSCR calc. DSCR is X.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. DSCR Calc matches audited amount in condition - Seller-XX/XX/XXXX Open-Audited DSCR X.XXX%, lender DSCR X.XX% variance is X.XXX% this is due toX) lender consider the Tax amount $ XXX.XX as per our calculation tax amount is $XXX.XX X) as per our calculation considered the rent amount $XXXX from XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. DSCR Calc matches audited amount in condition - Seller-XX/XX/XXXX |
Resolved-received DSCR calc. DSCR is X.XX - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140097 | Closed | 2026-02-24 02:05 | 2026-02-26 12:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140097 | Closed | 2026-02-24 00:52 | 2026-02-26 12:35 | Resolved | 1 - Information | A | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Updated the credit scores as per credit report in file page #XXX, as per the credit report qualifying FICO is XXX. however UW considered the FICO score XXX in XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Updated the credit scores as per credit report in file page #XXX, as per the credit report qualifying FICO is XXX. however UW considered the FICO score XXX in XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||||
| XXXX | 2140012 | Closed | 2026-02-26 12:25 | 2026-02-27 08:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2143984 | Closed | 2026-02-25 21:16 | 2026-03-20 10:41 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please be advised that the documents are not recorded yet, this property is in XXXX and they recent had a malware attack. Due to this the documents are taking longer to get recorded. The final loan amount we show was for $X,XXX,XXX.XX, attached is the schedule A. - Seller-XX/XX/XXXX Counter-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Provide updated title as the loan amount is less than actual loan amount in title page XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. FSS - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Provide updated title as the loan amount is less than actual loan amount in title page XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please be advised that the documents are not recorded yet, this property is in XXXX and they recent had a malware attack. Due to this the documents are taking longer to get recorded. The final loan amount we show was for $X,XXX,XXX.XX, attached is the schedule A. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. FSS - Seller-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXX-XXXXX XXXXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXX X.XXX_XXXXX_ XXXXXXX XX XXXXX.XXX |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2143984 | Closed | 2026-02-25 22:17 | 2026-03-02 07:27 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Expiration Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Provide updated insurance as the provided one on page XXX expiration date is XX/XX/XXXX before the note date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Expiration Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXX.XXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2143984 | Closed | 2026-02-25 22:29 | 2026-03-01 23:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.XXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2143984 | Closed | 2026-02-25 22:11 | 2026-02-27 01:07 | Resolved | 1 - Information | D | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-There are uncleared alerts in fraud report, provided updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-For securitization, a second property valuation needs to be provided. File needs a XXXX and/or XXXXXX UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-There are uncleared alerts in fraud report, provided updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX.XXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2143983 | Closed | 2026-02-26 15:30 | 2026-03-16 08:35 | Resolved | 1 - Information | C | A | Credit | Credit | Missing subject rental income documentation | Resolved-Use higher monthly rent as proof of two months payment provided. - Due Diligence Vendor-XX/XX/XXXX Counter-Provide satisfactory supporting documentation clearly confirming XXXX made the payments. - Due Diligence Vendor-XX/XX/XXXX Counter-Provide evidence the payments came from the tenant XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Copy of February and March payment and march rental receipt - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. written rent receipts and Feb lease payment - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Rent Deposits and Rent receipts - Seller-XX/XX/XXXX Open-Using actual higher monthly lease amount. Provide X months receipts of rent per GL X.X.X.X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Copy of February and March payment and march rental receipt - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. written rent receipts and Feb lease payment - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Rent Deposits and Rent receipts - Seller-XX/XX/XXXX |
Resolved-Use higher monthly rent as proof of two months payment provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX.XXX_XXXXX_ XXXX XXXXXXXX.XXX_XXXXX_ XXXX XXXXXXXX.XXX_XXXXX_ XXX XXXXXXX XXXXX XXXXXXX.XXX_XXXXX_ XXXX XX XXXXXXXX XXXXXX XXXXXXX.XXX_XXXXX_ XXXX XX XXXXX XXXXXX XXXXXXX.XXX_XXXXX_ XXX XXXXX XXXXXX XXXXXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2143983 | Closed | 2026-02-26 02:08 | 2026-03-02 02:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleared alerts in fraud report, provided updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX |
Resolved-There are Uncleared alerts in fraud report, provided updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140096 | Closed | 2026-02-26 04:51 | 2026-03-02 03:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140106 | Closed | 2026-02-26 22:17 | 2026-03-03 08:18 | Resolved | 1 - Information | C | A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Updated XXXX uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Initial XXXX - Seller-XX/XX/XXXX Open-Provide updated initial XXXX as the provided one page XXX LO signed is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Initial XXXX - Seller-XX/XX/XXXX |
Resolved-Updated XXXX uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140106 | Closed | 2026-02-26 22:10 | 2026-03-03 01:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report Provide fraud report as its missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2137699 | Closed | 2026-02-25 23:04 | 2026-02-27 02:12 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or an appraisal desk review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX |
Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2151855 | Closed | 2026-02-27 11:36 | 2026-03-04 07:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX Open-The Note is Incomplete Provide execute Note. Borrowers signature is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX- XXXXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2138595 | Closed | 2026-02-26 02:17 | 2026-03-02 06:18 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 2 Citizenship Identification Documentation Missing | Waived-Exception to use borrower X and X state issued XX IDs to verify NPRA status - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower X Non-US citizen identification document missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX |
Waived-Exception to use borrower X and X state issued XX IDs to verify NPRA status - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXX XXXX XXXX XX.XXX | X. XXX XXX XX XX% XXXX XX XX XX%. X. XXXX XXXXXX XX XXXXXXXX. XX XXX XXXX XX XX X. X. XXXXXXX XXXXXXX XX XXXX XXX XXXX XX XXXXXX. |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes | ||||
| XXXX | 2138595 | Closed | 2026-02-26 02:17 | 2026-03-02 06:16 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Waived-Exception to use borrower X and X state issued XX IDs to verify NPRA status. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower X Non-US citizen identification document missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception to use borrower X and X state issued XX IDs to verify NPRA status. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXX XXXX XXXX XX.XXX | X. XXX XXX XX XX% XXXX XXX XX XX XX%. X. XXXX XXXXXX XX XXXXXXXX. XX XXX. XX XXXXXXXX XXXX XX XX X XXX. X. XXXXXXX XXXXXXX XX XXXX XXXX XX XXXXXX. |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes | |||||
| XXXX | 2138595 | Closed | 2026-02-26 02:10 | 2026-03-02 06:15 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception to allow CLTV XX.XXX% with FICO XXX on bank statement program - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Open-Audited FICO of XXX is less than Guideline FICO of XXX Borrower X primarily qualified using XX months of bank statements. For the primary refinance, the minimum FICO required per GL to meet the XX% LTV is XXX; however, the audited FICO is XXX. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception to allow CLTV XX.XXX% with FICO XXX on bank statement program - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXX XXXX.XXX | X. XXX XXX XX XX% XXXX XXX XX XX XX%. X. XXXX XXXXXX XX XXXXXXXX. XX XXX. XX XXXXXXXX XXXX XX XX X XXX. X. XXXXXXX XXXXXXX XX XXXX XXXX XX XXXXXX. |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes | |||||
| XXXX | 2138595 | Closed | 2026-02-26 02:51 | 2026-02-26 02:56 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||||||
| XXXX | 2144467 | Closed | 2026-03-02 08:54 | 2026-03-05 02:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Application | Resolved-Loan Application uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Loan application is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Loan Application uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX XXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2144468 | Closed | 2026-03-04 07:50 | 2026-03-05 08:03 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Application Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The loan application is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
XXXXXXX XXXX XXX.XXX | XXXXXXXXXXX XXXXX XX/XX/XXXX XXXXXXXX. | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2144469 | Closed | 2026-03-04 11:02 | 2026-03-05 05:41 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Application Missing | Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Loan Application is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX XXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140018 | Closed | 2026-02-26 23:25 | 2026-03-05 10:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated XXXX with corrected qualifying fico method to match credit documents in loan file - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XXXX provided has a different Qualifying Credit Score then what's showing on credit documents in the loan file. Please correct and re-upload. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Provide XXXX document as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided updated XXXX with corrected qualifying fico method to match credit documents in loan file - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX_XXXXX_ XXXXXXX XXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2143981 | Closed | 2026-03-02 02:39 | 2026-03-16 08:17 | Resolved | 1 - Information | C | A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-Review Product X Valuation is Not Expired Or Review Product X Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CDA - Seller-XX/XX/XXXX Counter-Provide an unexpired acceptable secondary valuation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) The valuation review product X in file is expired. Provide the updated FNMA SSR report with a score less than X.X, or updated Appraisal Desk Review with in XXX days of note date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CDA - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Review Product X Valuation is Not Expired Or Review Product X Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXXXXXXXX XXXX.XXX_XXXXX_ XXX - XXXXXXXX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2143981 | Closed | 2026-03-02 03:36 | 2026-03-09 15:33 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-SS received and updated system. - Due Diligence Vendor-XX/XX/XXXX Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX Counter- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Provide final SS with signature and stamped true cert final. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX Open-Final HUD X does not contain the payoff amount of $ XXXXXX.XX as a line item. Provide the updated Final HUD X with payoff amount of $ XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX |
Resolved-SS received and updated system. - Due Diligence Vendor-XX/XX/XXXX Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XX.XXX_XXXXX_ XXXXXXXX XXXXX XXX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2143981 | Closed | 2026-03-02 02:55 | 2026-03-04 13:37 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-The comp factors for score and reserves are entered for the LTV exception for DSCR Low Ratio LTV max of XX% for condo. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX Open-Audited LTV of XX.X% exceeds Guideline LTV of XX% As per matrix XX.XX.XXXX for low ratio DSCR for Condo max LTV is XX%, Audited LTV exceeds the GL LTV. Provide comp factors for exception (file contains pricing for exception). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX |
Waived-The comp factors for score and reserves are entered for the LTV exception for DSCR Low Ratio LTV max of XX% for condo. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXX.XXX | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX. XXXX XXXXXXXX XX $XX,XXX.XX (XX.XX XXX) XXXXXX XXX XXXXXXX XX $XX,XXX.XX (X XXX). |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | ||||
| XXXX | 2143981 | Closed | 2026-03-02 02:58 | 2026-03-04 13:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report contains no alerts. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high & X medium uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Updated fraud report contains no alerts. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2140115 | Closed | 2026-03-02 05:00 | 2026-03-04 06:14 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Received secondary property page updated - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX |
Resolved-Received secondary property page updated - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140015 | Closed | 2026-03-03 10:36 | 2026-03-16 10:33 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Received X months bank statements. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Missing additional month for rental deposit. X months of receipts required. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Previous DSCR worksheet pulled the wrong P&I. Corrected DSCR worksheet has been uploaded. X months of bank statements showing the lease payments from tenants have been uploaded as well. - Seller-XX/XX/XXXX Counter-X. P&I does not match the P&I listed on the Note. X. Missing X months deposit receipts to use the full amount of the lease income. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing DSCR calculation worksheet to confirm DSCR. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Previous DSCR worksheet pulled the wrong P&I. Corrected DSCR worksheet has been uploaded. X months of bank statements showing the lease payments from tenants have been uploaded as well. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received X months bank statements. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX.XXX_XXXXX_ XXXXXXXXX XXXX XXXXXXXXX.XXX_XXXXX_ XXXXXX XXXXXX XXXXXXX X XXXXXX.XXX_XXXXX_ XXXXXX XXXXXX XXXXXXX XXXXXXXX XXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140015 | Closed | 2026-03-05 07:15 | 2026-03-06 11:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received initial XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing initial XXXX to confirm the application date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received initial XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140015 | Closed | 2026-03-03 07:18 | 2026-03-06 00:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Final HUD-X document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Estimated HUD in the file, missing Final HUD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final HUD-X document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140015 | Closed | 2026-03-03 06:48 | 2026-03-05 23:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Provide XXXX doc as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested XXXX document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2143060 | Closed | 2026-03-03 05:32 | 2026-03-16 14:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated guidelines indicating the highest middle score is to be used when there are X borrowers on the loan - middle score is now XXX and updated XXXX attached to this finding was provided - finding is now resolved. - Due Diligence Vendor-XX/XX/XXXX Counter-Per credit report dated X/XX/XX, qualifying score is XXX. Per guidelines when X guarantors are present, the lower middle score is used for qualifying FICO. Please provide updated XXXX indicating the same. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Qualifying credit score not correct - review credit report and provide correct score on XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Lender provided XXXX however Qualifying Credit Score doesn't match credit score on credit documents in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Provide XXXX doc as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided updated guidelines indicating the highest middle score is to be used when there are X borrowers on the loan - middle score is now XXX and updated XXXX attached to this finding was provided - finding is now resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX_XXXXX_ XXXX.XXX_XXXXX_ XXXXXXXXX XXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2143060 | Closed | 2026-03-03 06:07 | 2026-03-05 23:23 | Resolved | 1 - Information | C | A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Requested updated HUD-X with settlement agent sign provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide updated HUDX as the one in file is missing settlement agent sign. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested updated HUD-X with settlement agent sign provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX - XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2143059 | Closed | 2026-03-03 14:38 | 2026-03-16 14:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated guidelines indicating the highest middle score is to be used when there are X borrowers on the loan - middle score is now XXX and updated XXXX attached to this finding was provided - finding is now resolved. - Due Diligence Vendor-XX/XX/XXXX Counter-Per credit report dated X/XX/XX, qualifying score is XXX. Per guidelines when X guarantors are present, the lower middle score is used for qualifying FICO. Please provide updated XXXX indicating the same. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Qualifying credit score not correct - review credit report and provide correct score on XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XXXX provided however Qualifying Credit Score does not match credit documents in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided updated guidelines indicating the highest middle score is to be used when there are X borrowers on the loan - middle score is now XXX and updated XXXX attached to this finding was provided - finding is now resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX_XXXXX_ XXXX.XXX_XXXXX_ XXXXXXXXX XXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140014 | Closed | 2026-03-03 14:32 | 2026-03-06 11:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Missing XXXX from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140013 | Closed | 2026-03-03 04:15 | 2026-03-06 01:35 | Resolved | 1 - Information | C | A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Executed Final Settlement Statement uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide updated HUDX as the one in file is missing settlement agent sign. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Executed Final Settlement Statement uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX - XXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140013 | Closed | 2026-03-03 02:54 | 2026-03-06 01:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXXX Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2141204 | Closed | 2026-03-10 23:49 | 2026-03-12 12:18 | Waived | 2 - Non-Material | C | B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Waived-Per XX DFI - X%/X% RCW is outdated and does not apply to creditors, as defined in TILA. - Due Diligence Vendor-XX/XX/XXXX Waived-Per XX DFI - X%/X% RCW is outdated and does not apply to creditors, as defined in TILA - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Max Fee: $XXX+$XXXX=$XXXX line AX Origination Fee is $XXXX, which is less than max - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Under the Washington Consumer Loan Act, a lender may not charge a "loan origination fee" exceeding X% of the first $XX,XXX and X% thereafter of the remaining loan amount. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX(X)). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Max Fee: $XXX+$XXXX=$XXXX line AX Origination Fee is $XXXX, which is less than max - Seller-XX/XX/XXXX |
Waived-Per XX DFI - X%/X% RCW is outdated and does not apply to creditors, as defined in TILA. - Due Diligence Vendor-XX/XX/XXXX Waived-Per XX DFI - X%/X% RCW is outdated and does not apply to creditors, as defined in TILA - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | Originator Post-Close | No | ||||||
| XXXX | 2141204 | Closed | 2026-03-10 23:03 | 2026-03-12 12:17 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Expired | Resolved-Updated XXXXXXXX Statement uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset X Not Expired Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX Open-Asset X Expired XXXXXXXX Statement provided on page #XXX is expired. Provide updated XXXXXXXX statement to verify the updated assets. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX |
Resolved-Updated XXXXXXXX Statement uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset X Not Expired Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2141204 | Closed | 2026-03-10 23:03 | 2026-03-12 12:17 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-XXXXXXX XXXXXXX #XXXX account statements uploaded, Asset X Meets XXXXXXXXX Requirement, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX Open-Asset X Does Not Meet XXXXXXXXX Requirements Provide XXXXXXX XXXXXXX #XXXX account statements to verify the asset funds of $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX |
Resolved-XXXXXXX XXXXXXX #XXXX account statements uploaded, Asset X Meets XXXXXXXXX Requirement, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2141204 | Closed | 2026-03-10 23:03 | 2026-03-12 12:17 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Proof for funds from XXXXXXX XXXXX XXXXXXXXXXXXXXX XXXX uploaded, Asset X Meets XXXXXXXXX Requirements, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. please see attached - Buyer-XX/XX/XXXX Open-Asset X Does Not Meet XXXXXXXXX Requirements Borrower to provide proof of withdrawing funds from XXXXXXX XXXXX XXXXXXXXXXXXXXX XXXX of $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Proof for funds from XXXXXXX XXXXX XXXXXXXXXXXXXXX XXXX uploaded, Asset X Meets XXXXXXXXX Requirements, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | ||||||
| XXXX | 2141204 | Closed | 2026-03-10 23:49 | 2026-03-12 07:29 | Resolved | 1 - Information | C | A | Compliance | Mavent | Fees: Limited | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX_XXXX XXXXXXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | ||||||
| XXXX | 2140101 | Closed | 2026-03-03 22:23 | 2026-03-05 11:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud report no alerts Updated fraud page. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-The fraud report in file (page # XXX) is showing X high uncleared alert. The required clear fraud report is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-Received fraud report no alerts Updated fraud page. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2140101 | Closed | 2026-03-03 22:04 | 2026-03-05 03:33 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary valuation is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X Provide updated Secondary Valuation report with CU Scores - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX |
Resolved-Secondary valuation is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX.XXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2140101 | Closed | 2026-03-03 22:48 | 2026-03-04 13:51 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML This loan passes HPML XXXXXXXXXX and is HPML compliant loan - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML This loan passes HPML XXXXXXXXXX and is HPML compliant loan - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||||
| XXXX | 2140105 | Closed | 2026-03-04 02:26 | 2026-03-05 15:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated the system with the provided cleared fraud report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-Per the GL XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page #XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-Updated the system with the provided cleared fraud report. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140076 | Closed | 2026-03-05 06:55 | 2026-03-09 14:06 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Waived-Exception is to use letter from borrower as business narrative. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Exception is to use letter from borrower as business narrative. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Counter-Approval letter states to provide business narrative the attached is letter from the borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Business Narrative is missing from the file - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception is to use letter from borrower as business narrative. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXXXXXXXX XXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXX.XXX |
XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X%. XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%. XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX |
XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2140076 | Closed | 2026-03-04 13:10 | 2026-03-09 14:03 | Resolved | 1 - Information | C | A | Compliance | Mavent | Fees: Limited | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. please see attached - Buyer-XX/XX/XXXX Open-XX.XX fee was not reflected on the final CD. Do see the disclosure in file just no fee on final CD. - Due Diligence Vendor-XX/XX/XXXX Open-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) The XXXXXXXXXX foreclosure fee of XX.XX is not reflected on the final CD. Do see the disclosure ion the file but not seeing where the fee was paid on final CD. XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. State specific finding. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX XXX XXXXXXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | ||||||
| XXXX | 2143982 | Closed | 2026-03-05 15:58 | 2026-03-11 13:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Settlement agent prepared Settlement statement and our Itemization from closing package, which includes the payoff and is listed as a condition of the loan on our loan Approval. - Seller-XX/XX/XXXX Counter-Based on title and docs there is a lien on the property with XXXXXXXXXX that originated X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Final HUD-X Document is Missing. Provide updated final HUD-X as the provided one on page XXX Settlement agent signature is missing and payoff not reflecting in HUD-X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Settlement agent prepared Settlement statement and our Itemization from closing package, which includes the payoff and is listed as a condition of the loan on our loan Approval. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXX.XXX_XXXXX_ XXXXX XXXXXX XXXXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXXX XXXXXXXXXXX XX XXXXXX XXXXXXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2143985 | Closed | 2026-03-09 04:09 | 2026-03-19 07:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Attached document is the Final executed Closing Disclosure showing Loan Depo as paid off. - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Please provide final executed HUD showing mortgage being paid off at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The TIL and Itemization of Amount financed disclosed accurately and is attached for reference. Loan Depo is itemized and included in amounts accordingly. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure As per the FINAL XXXX the Mortgage " XXXXXXXX XX #XXXX " Paid of $XXX,XXX.XX. " where as it IS not reflecting in FINAL CD Pay off and payment section. provide the updated FINAL CD CD. also Annual Percentage Rate (APR), Total Interest Percentage (TIP) not showing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. The TIL and Itemization of Amount financed disclosed accurately and is attached for reference. Loan Depo is itemized and included in amounts accordingly. - Seller-XX/XX/XXXX |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX XXXX XXXXXXX XXXXXXX.XXX_XXXXX_ XXXXXXX XXXXXXXXXXX XX XXXXXX XXXXXXXX.XXX_XXXXX_ XXXXXXX XX XXXXX.XXX_XXXXX_ XX.XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2143978 | Closed | 2026-03-05 22:02 | 2026-03-11 02:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud, provided updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-There are uncleared alerts in fraud, provided updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2143978 | Closed | 2026-03-05 21:43 | 2026-03-09 14:24 | Resolved | 1 - Information | D | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR updated property page. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXXX SSR - Seller-XX/XX/XXXX Open-For securitization, a second property valuation needs to be provided. File needs a XXXXX and/or XXXXXX UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXXX SSR - Seller-XX/XX/XXXX |
Resolved-Received SSR updated property page. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX.XXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140113 | Closed | 2026-03-09 06:15 | 2026-03-10 12:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received clear fraud report - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Received clear fraud report - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2140113 | Closed | 2026-03-09 04:54 | 2026-03-09 14:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial One in file Guaranty agreement is missing. Provide Guaranty agreement document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2151778 | Closed | 2026-03-11 23:32 | 2026-03-27 03:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested previous address provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary Mortgage or Current Rent History is verified XX months from Rent payment history on pg XXX, need complete XX months history, property Report in file but property is purchase and borrower lives for rent and rent payment is provided for XX months, need VOR and there is o previous address to validate - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested previous address provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX.XXX_XXXXX_ XXX - XXXX XXXXXX.XXX |
XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2151778 | Closed | 2026-03-12 11:56 | 2026-03-19 12:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received corrected HOI premium raising DSCR above X and meeting LTV requirement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Correct HOI has been uploaded showing $X,XXX/XX = $XXX per month which matches the DSCR worksheet and Final HUD. DSCR is over X.XX - Seller-XX/XX/XXXX Open-Audited LTV Exceeds XXXXXXXXX LTV The HOI premium in the file is listed higher than the premium listed on the settlement/first payment letter causing the DSCR to be below X and causing the max LTV to be XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Correct HOI has been uploaded showing $X,XXX/XX = $XXX per month which matches the DSCR worksheet and Final HUD. DSCR is over X.XX - Seller-XX/XX/XXXX |
Resolved-Received corrected HOI premium raising DSCR above X and meeting LTV requirement. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX (X).XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2151778 | Closed | 2026-03-12 00:09 | 2026-03-19 12:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided premium of $XXXX in Insurance document does not matches with required Premium of $XXXX from Settlement statement and FPL, Need updated insurance document with required premium of $X,XXX/XX = $XXX /monthly - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX (X).XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2151778 | Closed | 2026-03-12 10:47 | 2026-03-18 08:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Borrower owned his previous primary address, but sold it in XXXX right before he moved into his current primary home. - Seller-XX/XX/XXXX Open-XXXX show not show X year housing, missing former property address. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Borrower owned his previous primary address, but sold it in XXXX right before he moved into his current primary home. - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2153392 | Closed | 2026-03-18 07:17 | 2026-03-24 00:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Updated flood insurance policy doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-invoice and HUD showing policy was paid attached. There is an effective date on invoice (X/XX) and on hud reflects its for the full year. - Seller-XX/XX/XXXX Open-Flood Insurance Policy Partially Provided Flood policy effective and expiration date is missing in provided Flood insurance. Please provide documentation to support the policy period. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-invoice and HUD showing policy was paid attached. There is an effective date on invoice (X/XX) and on hud reflects its for the full year. - Seller-XX/XX/XXXX |
Resolved-Updated flood insurance policy doc provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXXXXXX XXX XXXX XXX XX XXXXX XXXXXXX.XXX_XXXXX_ XXXX XXXXX XXX.XXX_XXXXX_ XXXXXXX XXXXXXXX XXX XXXX XXX XX XXXXX XXX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2151718 | Closed | 2026-03-23 22:57 | 2026-03-30 00:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-The fraud report in file (page # XXX) is showing X high and X Low uncleared alert. The required clear fraud report is missing from file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2151718 | Closed | 2026-03-23 03:32 | 2026-03-26 14:10 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) The loan meets XXXX XXXXXXXXXX and is a Compliant HPML loan This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX,XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) The loan meets XXXX XXXXXXXXXX and is a Compliant HPML loan This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX,XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | N/A | N/A | |||||||
| XXXX | 2151702 | Closed | 2026-03-23 05:42 | 2026-03-27 02:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Requested Guaranty Agreement Provided, Updated & Condition Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Provide fully executed Guaranty Agreement - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX |
Resolved-Requested Guaranty Agreement Provided, Updated & Condition Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXX_XXXXXXXX XXXXXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2151702 | Closed | 2026-03-23 07:50 | 2026-03-27 02:29 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Requested DSCR Worksheet Provided, Updated & Condition Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. DSCR calculator - Seller-XX/XX/XXXX Open-Please provide lender work sheet it is not available in the file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. DSCR calculator - Seller-XX/XX/XXXX |
Resolved-Requested DSCR Worksheet Provided, Updated & Condition Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX XXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2154545 | Closed | 2026-03-20 16:00 | 2026-04-03 11:14 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided all business entity documents - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide certificate of good standing must be dated within twelve months of the application submission date for XXX XXXXXXXXXX XXXXXXXX XXX (this LLC is the sole member of XXX XXXXX XXXXXXX XXX) & Article of Incorporation for XXX XXXXXXXXXX XXXXXXXX XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided all business entity documents - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXX - XXX XXXXXXXXXX XXXXXXXX XXX.XXX_XXXXX_ XXXXXXXXXXXXXXXXXX - XXX XXXXXXXXXX XXXXXXXX XXX.XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2154544 | Closed | 2026-03-20 15:12 | 2026-04-03 05:04 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided all business entity documentation - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide certificate of good standing must be dated within twelve months of the application submission date for XXX XXXXX XXXXXXX XXX & XXX XXXXXXXXXX XXXXXXXX XXX (this LLC is the sole member of XXX XXXXX XXXXXXX XXX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided all business entity documentation - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXX - XXX XXXXXXXXXX XXXXXXXX XXX.XXX_XXXXX_ XXXXXXXXXXXXXXXXXX - XXX XXXXXXXXXX XXXXXXXX XXX.XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2151776 | Closed | 2026-03-20 02:31 | 2026-03-27 00:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Final CD provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Notary signed on XX/XX/XXXX, we have settlement statement and Settlement Date is on XX/XX/XXXX and Disbursement date on XX/XX/XXXX which is prior to notary. Need updated closing document (HUD or settlement) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final CD provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXX XXXXXXXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2151777 | Closed | 2026-03-20 13:19 | 2026-03-27 13:14 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided certificate of good standing - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide Certificate of good standing must be dated within twelve months of the application submission date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided certificate of good standing - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXXXX XX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||||
| XXXX | 2151777 | Closed | 2026-03-20 12:41 | 2026-03-25 10:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-updated XXXX adding subject property to the REO section of the XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX is Incomplete Updated XXXX required as Subject Property is missing from REO section X of the application and borrower/LLC owns the property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-updated XXXX adding subject property to the REO section of the XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||||
| XXXX | 2151889 | Closed | 2026-03-26 03:09 | 2026-03-27 11:29 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX acknowledged - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Acknowledged-XXXXXXXXX acknowledged - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XX XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | |||||
| XXXX | 2151703 | Closed | 2026-03-26 20:55 | 2026-03-30 00:55 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-CU (XXXXXX SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. SSR - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation or Additional Valuation (with acceptable variance to Primary) per guideline requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. SSR - Seller-XX/XX/XXXX |
Resolved-CU (XXXXXX SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2151715 | Closed | 2026-03-27 02:22 | 2026-03-30 12:36 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX,XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX, , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX,XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX, , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | N/A | N/A | |||||||
| XXXX | 2151890 | Closed | 2026-03-29 09:58 | 2026-04-01 07:12 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX Which is Less than Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXX XXXXXX XXXXXX XXXX XXXXXXXXXXXX (X).XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2151890 | Closed | 2026-03-29 08:12 | 2026-03-31 13:24 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-The buyer has acknowledged the NJ PPP. - Due Diligence Vendor-XX/XX/XXXX Resolved-Document received; Finding resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Acknowledged-The buyer has acknowledged the NJ PPP. - Due Diligence Vendor-XX/XX/XXXX Resolved-Document received; Finding resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| XXXX | 2154543 | Closed | 2026-03-31 12:13 | 2026-04-03 05:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-Lender provided Master HOA HOI declaration page - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Underwriter confirmed the HOA policy by calling the insurance company herself. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Per the underwriter, she confirmed that the master HOA policy covers the outside of the property while the HOI policy the borrower obtained covers the inside of the property. - Seller-XX/XX/XXXX Open-Provide Master HOA Insurance Declaration page - property is NOT a Condo but it is an Attached Townhouse and the HOI policy provided is an HOX Walls-In Policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Underwriter confirmed the HOA policy by calling the insurance company herself. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Per the underwriter, she confirmed that the master HOA policy covers the outside of the property while the HOI policy the borrower obtained covers the inside of the property. - Seller-XX/XX/XXXX |
Resolved-Lender provided Master HOA HOI declaration page - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX XXX..XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2154543 | Closed | 2026-03-31 12:06 | 2026-04-02 08:06 | Resolved | 1 - Information | C | A | Credit | Credit | Appraisal deficiency. | Resolved-Lender provided revised appraisal report with all images downloaded to report - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-All required pictures/maps/license photos are missing from the appraisal report - it appears they didn't download to the report completely. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided revised appraisal report with all images downloaded to report - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX XX_XXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2154543 | Closed | 2026-03-31 11:53 | 2026-04-02 08:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. The loan amount and the qualifying interest rate on the XXXX provided don't match the executed Note. please update the XXXX to match the Note. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided updated XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2154543 | Closed | 2026-03-30 08:05 | 2026-04-02 08:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per our guidelines, lease agreement is at $XXX and market rent on appraisal came in at $X,XXX. We used XXX% to calculate the final rent to be used for the DSCR. $XXX x XXX% =$X,XXX which makes the DSCR = X.XXX - Seller-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV Per GL's min LTV for DSCR <X is XX% , Audited LTV is XX% which does not meet GL required LTV of XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Per our guidelines, lease agreement is at $XXX and market rent on appraisal came in at $X,XXX. We used XXX% to calculate the final rent to be used for the DSCR. $XXX x XXX% =$X,XXX which makes the DSCR = X.XXX - Seller-XX/XX/XXXX |
XXXX XXXXXXXXX - XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||||
| XXXX | 2155670 | Closed | 2026-03-31 08:36 | 2026-04-15 06:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender verified ownership for borrower - confirmed via page #XXX that borrower is listed as a title owner as of XX/XX/XXXX - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Borrower is on title and owns the primary. There is a mortgage under the spouse's name but he still has ownership to the primary property. This is shown on the property profile. He has ownership of the property and is on the deed. He is just not on the mortgage. HIs spouse is but the lien is against the property which he owns. - Seller-XX/XX/XXXX Open-Primary Mortgage or Current Rent History is considered from property report on page XXX showing borrower has a mortgage on their primary residence as of XX/XX/XXXX however there is no mortgage reporting on the credit report and the mortgage statement provided from XXXXXXX #XXXX on #XXX only has the non-borrowing spouses name on it. (the statement is allowed per guidelines however our borrowers name is not listed on it). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Borrower is on title and owns the primary. There is a mortgage under the spouse's name but he still has ownership to the primary property. This is shown on the property profile. He has ownership of the property and is on the deed. He is just not on the mortgage. HIs spouse is but the lien is against the property which he owns. - Seller-XX/XX/XXXX |
Resolved-Lender verified ownership for borrower - confirmed via page #XXX that borrower is listed as a title owner as of XX/XX/XXXX - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||||
| XXXX | 2155670 | Closed | 2026-03-31 08:16 | 2026-04-02 08:11 | Resolved | 1 - Information | C | A | Credit | Credit | Appraisal deficiency. | Resolved-Lender provided appraisal report with all required photos downloaded to report - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-All required photos/maps/license pictures missing from appraisal report (pictures did not download to the report). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided appraisal report with all required photos downloaded to report - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX XX XXXX XX_XXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2155670 | Closed | 2026-03-31 08:05 | 2026-04-02 08:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender uploaded updated XXXX - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Final XXXX to be updated for the qualifying rate (X% when note rate shows X.X%) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender uploaded updated XXXX - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2155497 | Closed | 2026-03-30 23:51 | 2026-04-06 04:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Requested X months rent receipts provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Rental agreement shows the leases and Xst months + security deposit for both units - Seller-XX/XX/XXXX Open-Missing Verification of Rent Loan qualified with lease amount of $X,XXX which is higher than the market rent amount of $X,XXX. XX X.X.X.X states if using the higher amount, evidence of X-months receipt of the $X,XXX is required. Provide two months receipt as evidence to support the requirement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Rental agreement shows the leases and Xst months + security deposit for both units - Seller-XX/XX/XXXX |
Resolved-Requested X months rent receipts provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2155497 | Closed | 2026-03-30 23:49 | 2026-04-06 04:55 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Requested updated DSCR calculation sheet with DSCR of X.XXX% provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX Open-Calculated DSCR Ratio is Rent amount $X,XXX/PITIA $X,XXX.XX = X.XXX DSCR and Originator Consider DSCR Ratio is Rent amount $X,XXX/PITIA $X,XXX.XX = X.XXX DSCR Variance is X.XXX. due to Originator/DSCR Worksheet & XXXX document on page#XX,XXX Monthly Property Tax Premium amount showing as $XX.XX. but as per FINAL HUD-X & Xst payment letter on page#XXX,XXX. Monthly Property Tax Premium amount showing as $XXX. Provide the updated DSCR Worksheet & XXXX document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX |
Resolved-Requested updated DSCR calculation sheet with DSCR of X.XXX% provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153090 | Closed | 2026-03-31 03:36 | 2026-04-02 12:34 | Resolved | 1 - Information | B | A | Credit | Credit | Spousal Consent Missing | Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Spousal consent is not required for Business entity Loans - Seller-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. spousal consent is not required for Business entity Loans, hence Rescinded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Spousal consent is not required for Business entity Loans - Seller-XX/XX/XXXX |
Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. spousal consent is not required for Business entity Loans, hence Rescinded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||||
| XXXX | 2153090 | Closed | 2026-03-31 14:54 | 2026-04-02 12:34 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided all entity required documentation - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and has stayed the same since creation of the business. - Seller-XX/XX/XXXX Counter-EIN document from the IRS is from XXXX - nothing else in the loan file supporting the EIN number - please provide updated IRS documentation confirming the EIN number. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide Confirmation of good standing must be dated within twelve months of the application submission date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and has stayed the same since creation of the business. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided all entity required documentation - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXX XXX XXXXXXX XXXXXX - XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153090 | Closed | 2026-03-31 14:30 | 2026-04-02 08:22 | Resolved | 1 - Information | C | A | Compliance | Closing | Rider to note is unsigned | Resolved-Lender provided executed Rider - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Addendum for Renewal and Extension Rider is not executed (see page #XXX of the loan documents) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided executed Rider - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXX XXX XXXXXXX XXX XXXXXXXXX - XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153090 | Closed | 2026-03-31 14:19 | 2026-04-01 10:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided Final XXXX - XXXX page updated to match final XXXX - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided Final XXXX - XXXX page updated to match final XXXX - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153090 | Closed | 2026-03-31 14:23 | 2026-04-01 09:58 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Lender provided updated XXXX with all REO/Primary Addresses - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-All REO data in section X is missing from the application - no addresses listed for primary/investment property. provide updated XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided updated XXXX with all REO/Primary Addresses - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153093 | Closed | 2026-04-01 13:35 | 2026-04-02 15:04 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Lender provided updated DSCR Worksheet - DSCR matches - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Counter-DSCR worksheet provided states lender is using the lease agreement rent of $XXXX however no supporting documentation was provided to support using the higher of the lease vs the market rent.. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Lender to provide DSCR Worksheet to confirm there is not variance between reviewer and lender.. DSCR Calculation is as follows: Gross Rent $XXXX / PITIA $XXXX.XX = X.XX DSCR PITIA: P&I $XXX.XX + Taxes $XXX.XX + HOI $XXX.XX = $XXXX.XX Gross rent from rent Schedule on pg XXin the amount of $XXXX and Lease is on pg XXX in the amount of $XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender provided updated DSCR Worksheet - DSCR matches - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXX XXXXXXXXX.XXX_XXXXX_ XXXXXXXXX XXXX XXXXXXXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153093 | Closed | 2026-04-01 13:34 | 2026-04-02 12:32 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided all entity required documentation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and EIN has stayed the same since creation of the business. - Seller-XX/XX/XXXX _xXXXX_ Counter-EIN document from the IRS is from XXXX - nothing else in the loan file supporting the EIN number - please provide updated IRS documentation confirming the EIN number. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Entity Formation Doc Indicator is Missing. Please provide Confirmation of good standing must be dated within twelve months of the application submission date as well as EIN confirmation (IRS document in file is from XXXX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and EIN has stayed the same since creation of the business. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender provided all entity required documentation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXXXX XXX XXXXXXX XXXXXX - XXXX.XXX_XXXXX_ XXXXXXXXX XXX XXXXXXX XXXXXX - XXXX.XXX_XXXXX_ XXX XXXXX X XXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153093 | Closed | 2026-03-31 21:26 | 2026-04-02 12:26 | Resolved | 1 - Information | B | A | Credit | Credit | Spousal Consent Missing | Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-spousal consent is not required for Business Entity Loan - Seller-XX/XX/XXXX _xXXXX_ Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. spousal consent is not required for Business Entity Loan - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-spousal consent is not required for Business Entity Loan - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||||
| XXXX | 2153093 | Closed | 2026-04-01 13:13 | 2026-04-02 08:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Lender provided updated final XXXX with all section X REO information inputted - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Section X missing all required REO information. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender provided updated final XXXX with all section X REO information inputted - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153093 | Closed | 2026-04-01 13:14 | 2026-04-02 08:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided Final XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender provided Final XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153092 | Closed | 2026-04-01 10:45 | 2026-04-02 12:17 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Lender provided all entity required documentation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and EIN has stayed the same since creation of the business. - Seller-XX/XX/XXXX _xXXXX_ Counter-EIN document from the IRS is from XXXX - nothing else in the loan file supporting the EIN number - please provide updated IRS documentation confirming the EIN number. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Entity Formation Doc Indicator is Missing. Provide Confirmation of good standing must be dated within twelve months of the application submission date as well as the EIN confirmation as IRS document is from XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and EIN has stayed the same since creation of the business. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Validation Resolved' Lender provided all entity required documentation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXXXX XXX XXXXXXX XXXXXX - XXXX.XXX_XXXXX_ XXX XXXXX X XXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153092 | Closed | 2026-03-31 03:11 | 2026-04-02 12:15 | Resolved | 1 - Information | B | A | Credit | Credit | Spousal Consent Missing | Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Spousal consent is not required for Business Entity Loan - Seller-XX/XX/XXXX _xXXXX_ Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Provide spousal consent document as it missing from file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Spousal consent is not required for Business Entity Loan - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||||
| XXXX | 2153092 | Closed | 2026-03-31 03:02 | 2026-04-02 07:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Lender provided updated XXXX with all REO information inputted in section X - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Provide updated XXXX REO property address as the address is not provided in section X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender provided updated XXXX with all REO information inputted in section X - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153092 | Closed | 2026-03-31 02:49 | 2026-04-02 07:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender uploaded final XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-The XXXX document is missing from the loan file. Provide XXXX document as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender uploaded final XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153092 | Closed | 2026-03-31 04:22 | 2026-04-02 07:49 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Lender provided DSCR worksheet - DSCR calc matches - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-DSCR is calculated as below: Gross Rent $X,XXX / PITIA X,XXX.XX = X.XXX PITIA: P&I $XXXX.XX + Taxes $XXX.XX + HOI $XXX.XX = $XXXX.XX Provide lender DSCR calculations to determine if there is any difference in lender calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender provided DSCR worksheet - DSCR calc matches - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153091 | Closed | 2026-04-01 08:35 | 2026-04-02 12:22 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided all entity required documentation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and EIN has stayed the same since creation of the business. - Seller-XX/XX/XXXX Counter-EIN document from the IRS is from XXXX - nothing else in the loan file supporting the EIN number - please provide updated IRS documentation confirming the EIN number. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide Confirmation of good standing must be dated within twelve months of the application submission date as well as the EIN confirmation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-EIN numbers are only issued one time with the IRS for any business. The letter provided is the original letter and EIN has stayed the same since creation of the business. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided all entity required documentation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXX X XXXX.XXX_XXXXX_ XXXXXXXXX XXX XXXXXXX XXXXXX - XXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153091 | Closed | 2026-04-01 14:21 | 2026-04-02 12:21 | Resolved | 1 - Information | B | A | Credit | Credit | Spousal Consent Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Spousal consent is not needed on business purpose loans - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Spousal consent is not needed on business purpose loans - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender confirmed that spousal consent is not required for Business Purpose loans - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||||
| XXXX | 2153091 | Closed | 2026-03-31 05:30 | 2026-04-02 07:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Lender provided updated XXXX with all REO information - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide updated XXXX REO property address as the address is not provided in section X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided updated XXXX with all REO information - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153091 | Closed | 2026-03-31 05:28 | 2026-04-02 07:33 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Lender uploaded DSCR worksheet - DSCR matches - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited DSCR is calculated as :DSCR = Rent $X,XXX / PITIA $X,XXX.XX = X.XXX. Provide lender DSCR calculations to determine if there is any difference in lender calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender uploaded DSCR worksheet - DSCR matches - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153094 | Closed | 2026-03-31 13:32 | 2026-04-01 09:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Lender provided updated declaration page with updated city name for subject property - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard declaration page in loan file has the wrong city name for the subject property (declaration page has XXXXX XXXXXXX, XX listed when XXX XXXXXXXXXX, XX should be listed per appraisal/title). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided updated declaration page with updated city name for subject property - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153094 | Closed | 2026-03-31 13:17 | 2026-04-01 09:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated XXXX with qualifying rate matching the Note rate. finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. The qualifying Rate on the Final XXXX doesn't match the Note rate of X.XXX% - update required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided updated XXXX with qualifying rate matching the Note rate. finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2155500 | Closed | 2026-03-31 07:53 | 2026-04-03 02:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History verified for XX Months from VOR & Credit report, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Housing History - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Per GL XX.XX.XXXX page #XX, XX-month housing history required for primary residence. However VOR page #XXX-XXX shows only X months rent history and CBR page #XXX shows X months mortgage history. Housing history is short by X months. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Housing History - Seller-XX/XX/XXXX |
Resolved-Housing History verified for XX Months from VOR & Credit report, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXX XXXXXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2155500 | Closed | 2026-03-31 08:25 | 2026-04-03 02:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. Hence provide fraud report as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2155500 | Closed | 2026-03-31 08:57 | 2026-03-31 09:08 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | N/A | N/A | |||||||
| XXXX | 2155508 | Closed | 2026-04-01 04:02 | 2026-04-02 12:28 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’sXXX, and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s#XXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#’XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’sXXX, and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s#XXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#’XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | N/A | N/A | |||||||
| XXXX | 2155672 | Closed | 2026-04-06 12:33 | 2026-04-20 07:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Document received with corrected verbiage. Confirmed resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-X. Per the guidelines, the policy should include a Guaranteed Replacement Cost Endorsement. The policy provided only states "Replacement Cost Value." - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Document received with corrected verbiage. Confirmed resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2151895 | Closed | 2026-04-03 13:32 | 2026-04-07 11:00 | Resolved | 1 - Information | C | A | Credit | Credit | Missing condo documentation. | Resolved-Page XXX HOA Questionnaire XX units however Page XX XXXX XX units. X spaces/units Commercial. HOA questionnaire XX units, XX owner occupied. Commercial Space X,XXX square feet of total square footage XX,XXX. Guidelines allowable up to XX% Commercial Use as Non Warrantable, Maximum LTV XX%. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. the appraisal states there are XX units but also notates there are X commercial units. attached screenshot for reference. - Seller-XX/XX/XXXX Open-Page XXX Condominium Homeowners Association Questionnaire project XX units however Page XX XXXX XX units. Please clarify, update XXXX or questionnaire. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. the appraisal states there are XX units but also notates there are X commercial units. attached screenshot for reference. - Seller-XX/XX/XXXX |
Resolved-Page XXX HOA Questionnaire XX units however Page XX XXXX XX units. X spaces/units Commercial. HOA questionnaire XX units, XX owner occupied. Commercial Space X,XXX square feet of total square footage XX,XXX. Guidelines allowable up to XX% Commercial Use as Non Warrantable, Maximum LTV XX%. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX.XXX | XX | Investment | Purchase | NA | N/A | N/A | |||||
| XXXX | 2155671 | Closed | 2026-04-06 01:29 | 2026-04-14 11:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Evidence received. Confirmed resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Property was paid off on X/XX/XX. Updated property profile has been uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Provide proof of document for XX months housing history for primary residence as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Property was paid off on X/XX/XX. Updated property profile has been uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence received. Confirmed resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153393 | Closed | 2026-04-07 13:07 | 2026-04-13 14:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved. Received LOE from relative provided stating the borrower has lived rent free for XX years. The borrower has owned the subject property since XXXX. Required guideline maximum XX% LTV and XX months of reserves have been met. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-VOR/VOM Doc Status should not be 'Missing'. Missing required VOR/VOM for required housing history for the Borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved. Received LOE from relative provided stating the borrower has lived rent free for XX years. The borrower has owned the subject property since XXXX. Required guideline maximum XX% LTV and XX months of reserves have been met. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX XXXX XXXX XXXXXX (X).XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2153393 | Closed | 2026-04-06 01:09 | 2026-04-13 08:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Thank you for the hazard insurance documentation. Please provide the hazard insurance invoice reflecting the $XXX amount ($XX.XX monthly) per the settlement statement, as no amount is reflected in the provided insurance documentation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-HO-X Insurance Policy is Missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX XXXXXXXXXX_XXX XXXX XXXXXX XXX_X-XX-XXXX_XXXXXXXXXX.XXX_XXXXX_ XXXXX XXX XXXXXXXXXX_XXX XXXX XXXXXX XXX_X-XX-XXXX_XXXXXXXXX (X).XXX_XXXXX_ XXXXXX XXX .XXX_XXXXX_ XXX (X).XXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2155509 | Closed | 2026-04-06 05:07 | 2026-04-09 03:12 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX |
Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2155506 | Closed | 2026-04-09 03:48 | 2026-04-13 04:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report Provide Third Party Fraud Report with all Cleared alerts as Per the GL XX.XX.XXXX page # XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2158234 | Closed | 2026-04-13 21:16 | 2026-04-21 00:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-DOT was checked and it is not XXXX XX. The "X" is the "L" for XXXX. The L at the end of XXXX is just very close to the X, so it looks like XX, Notary date is XX/XX/XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Ready for Review-DOT was checked and it is not XXXX XX. The "X" is the "L" for XXXX. The L at the end of XXXX is just very close to the X, so it looks like XX, but it is not the case. - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Provide updated DOT document as the Notary date on page #XXX is XX/XX/XXXX which is after the closing/disbursement date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-DOT was checked and it is not XXXX XX. The "X" is the "L" for XXXX. The L at the end of XXXX is just very close to the X, so it looks like XX, but it is not the case. - Seller-XX/XX/XXXX |
Resolved-DOT was checked and it is not XXXX XX. The "X" is the "L" for XXXX. The L at the end of XXXX is just very close to the X, so it looks like XX, Notary date is XX/XX/XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||||
| XXXX | 2158234 | Closed | 2026-04-13 22:34 | 2026-04-20 04:41 | Resolved | 1 - Information | C | A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Requested signed Settlement statement, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide updated HUDX or Settlement statement as the one in file is missing settlement agent sign. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested signed Settlement statement, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2158234 | Closed | 2026-04-14 08:51 | 2026-04-20 04:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested signed Settlement statement, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Closing Statement on pages #X-X is missing title agent signature and escrow collected for taxes of $XX.XX per month doesn't match tax documents in the loan file showing monthly payment of $XX.XX per month - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested signed Settlement statement, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| XXXX | 2158232 | Closed | 2026-04-14 04:27 | 2026-04-21 16:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Povide XXXX document as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158232 | Closed | 2026-04-14 15:18 | 2026-04-20 13:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Missing Final Closing Disclosure. The one provided has the disbursement date as X/X/XX and the signature/notary date is X/X/XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX - XXXXXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158232 | Closed | 2026-04-14 05:16 | 2026-04-20 13:47 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-X Insurance Policy Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or HO-X Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Borrower had an HOI policy from X.XX.XX-X.XX.XX and also had a renewal policy starting X.XX.XXXX-X.XX.XXXX. No lapse in coverage occurred for the property. - Seller-XX/XX/XXXX Open-HO-X Insurance Policy Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX HOX insurance policy has effective date of XX/XX/XXXX which is after the notary date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Borrower had an HOI policy from X.XX.XX-X.XX.XX and also had a renewal policy starting X.XX.XXXX-X.XX.XXXX. No lapse in coverage occurred for the property. - Seller-XX/XX/XXXX |
Resolved-HO-X Insurance Policy Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or HO-X Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX - X.XX.XX-X.XX.XX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158232 | Closed | 2026-04-14 14:48 | 2026-04-20 13:47 | Resolved | 1 - Information | C | A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-HO-X Insurance Policy is only Partially Present Hazard Insurance Policy Partially Provided Rent Loss Insurance is missing from the Policy. "Loss of Use" does not cover doesn't cover lost rent. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX - X.XX.XX-X.XX.XX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158231 | Closed | 2026-04-14 15:04 | 2026-04-20 10:27 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided updated screenshot of business entity - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide Confirmation of good standing must be dated within twelve months of the application submission date (print out in loan file is not dated and unable to determine it if meets guidelines) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided updated screenshot of business entity - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XX XXXXXXXXXXXX - XXX XXXX XXXXXX XXXXXXXX XX, XXX.XXX_XXXXX_ XXXX - XXX XXXX XXXXXX XXXXXXXX XX, XXX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158231 | Closed | 2026-04-14 01:53 | 2026-04-20 10:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided Final XXXX - finding resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Provide XXXX document as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided Final XXXX - finding resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158231 | Closed | 2026-04-14 02:50 | 2026-04-20 10:23 | Resolved | 1 - Information | C | A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Lender provided final executed HUD - finding resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide updated HUDX or Settlement statement as the in file is missing borrower signature. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided final executed HUD - finding resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX - XXXXXX XX XXXXXXXX XXX XXXXXXXXXX XXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158231 | Closed | 2026-04-14 14:44 | 2026-04-20 04:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested Signed Settlement statement, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of XXXX X, XXXX, the borrower executed the package on XXXX X, XXXX. This is standard practice in dry-state closings, including XXXXXXX. The document dates often reflect the lender’s preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower’s actual execution date (XXXX X, XXXX) Completed without any backdating Executed within the lender’s allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on XXXX X, XXXX per the final settlement statement which is allowable in the state of XXXXXXX (dry state). Settlement Agent Signature at the Top of Page X and borrower signatures at bottom of page X - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Closing statement provided on pages #X-X is not signed/dated by the borrower or the title company, also the closing/funding date per the closing statement is X/X/XX and note is dated X/X/XX and all closing documents were signed/dated and notarized on X/X/XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of XXXX X, XXXX, the borrower executed the package on XXXX X, XXXX. This is standard practice in dry-state closings, including XXXXXXX. The document dates often reflect the lender’s preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower’s actual execution date (XXXX X, XXXX) Completed without any backdating Executed within the lender’s allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on XXXX X, XXXX per the final settlement statement which is allowable in the state of XXXXXXX (dry state). Settlement Agent Signature at the Top of Page X and borrower signatures at bottom of page X - Seller-XX/XX/XXXX |
Resolved-Requested Signed Settlement statement, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | ||||||
| XXXX | 2158231 | Closed | 2026-04-14 03:20 | 2026-04-20 04:24 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Lease was increased from $X,XXX to $X,XXX on the addendum to the lease starting on Xxx. XXXX (document attached) Lease matches appraisal calculated market rent of $X,XXX - Seller-XX/XX/XXXX Open-DSCR is calculated as Rent $X,XXX/ PITIA $X,XXX.XX = X.XXX. Provide lender DSCR worksheet to determine if there is any variation in lender calculation as lender worksheet is not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Lease was increased from $X,XXX to $X,XXX on the addendum to the lease starting on Xxx. XXXX (document attached) Lease matches appraisal calculated market rent of $X,XXX - Seller-XX/XX/XXXX |
Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXX - XXXXXXXXX XXXX $X,XXX.XXX_XXXXX_ XXXX XXXXXXXXX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2155657 | Closed | 2026-04-15 04:41 | 2026-04-21 06:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-confirmed information on document provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX Counter-Undiscounted rate is not showing on that doc - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see lock on page XXX of original package - Seller-XX/XX/XXXX Open-Unable to verify Undiscounted Rate, Missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX Ready for Review-Please see lock on page XXX of original package - Seller-XX/XX/XXXX |
Resolved-confirmed information on document provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| XXXX | 2155657 | Closed | 2026-04-15 00:54 | 2026-04-17 00:51 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Final approval confirms XX month Business Bank Statements, Verified - Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-please see page X of original package. Final approved income is full doc XX mo Business Bank Statements - XXXXX-XX/XX/XXXX Open-As per loan approval borrower is qualified with Full doc program whereas borrower X income is qualified with XX months bank statements. Provide income documentation that supports the loan program. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Resolved-Final approval confirms XX month Business Bank Statements, Verified - Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | N/A | N/A | |||||||
| XXXX | 2155657 | Closed | 2026-04-15 00:52 | 2026-04-17 00:50 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Only XXXXXXXX XXXXXXXXXX #XXXX and XXXX #XXXX were used for Assets., Reserves meeting guideline requirement, Verified - Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Please see pg XXX of the original package, the income worksheet. Only XXXXXXXX XXXXXXXXXX XXXX and XXXX X XXXX were used for Assets. XXXXXXX XXXXXX XX XXXXX x XXXX was used for full doc BS income. statement for XXXXXXXX XXXX are on page XX of the original package - XXXXX-XX/XX/XXXX Open-As per file notes on page #XXX, IRA account #XXXX & #XXXX is being used for reserves but there is Account Statement provided for IRA #XXXX & Assets on Final XXXX from XXX #XXXX, #XXXX & Stocks #XXXX is not been provided with Account statement to verify the assets. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Resolved-Only XXXXXXXX XXXXXXXXXX #XXXX and XXXX #XXXX were used for Assets., Reserves meeting guideline requirement, Verified - Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | N/A | N/A | |||||||
| XXXX | 2155657 | Closed | 2026-04-15 00:33 | 2026-04-21 06:51 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-**The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) **The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Resolved-**The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) **The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | N/A | N/A | |||||||
| XXXX | 2158233 | Closed | 2026-04-15 01:05 | 2026-04-21 07:11 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final XXXX provided attached to finding - finding resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-The Final XXXX is Missing Provide final XXXX document as it is not included in the file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Final XXXX provided attached to finding - finding resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158233 | Closed | 2026-04-15 01:08 | 2026-04-21 07:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided final XXXX attached to finding - finding resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Provide XXXX document as it is not included in the file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Lender provided final XXXX attached to finding - finding resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158233 | Closed | 2026-04-15 02:45 | 2026-04-20 03:49 | Resolved | 1 - Information | C | A | Credit | Insurance | HO-6 Insurance Policy is only Partially Present | Resolved-Requested updated hazard Insurance document provided, updated & Condition Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-HO-X Insurance Policy is fully present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-HO-X Insurance Policy is only Partially Present Provide updated HOX policy with the Rent Loss coverage amount, declaration page in loan file does not indicate there is rent loss covered which is required per guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Requested updated hazard Insurance document provided, updated & Condition Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-HO-X Insurance Policy is fully present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXX XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158233 | Closed | 2026-04-15 10:55 | 2026-04-20 03:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested signed Settlement statement provided, Updated & Condition Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-Validation Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Correction: disbursement date was on X/XX/XXXX - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of XXXX X, XXXX, the borrower executed the package on XXXX X, XXXX. This is standard practice in dry-state closings, including XXXXXXX. The document dates often reflect the lender’s preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower’s actual execution date (XXXX X, XXXX) Completed without any backdating Executed within the lender’s allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on XXXX X, XXXX per the final settlement statement which is allowable in the state of XXXXXXX (dry state). Settlement Agent Signature at the Top of Page X and borrower signatures at bottom of page X - XXXXXX-XX/XX/XXXX Open-Closing Doc is Missing. Closing statement provided on pages #X-X is not signed/dated by the borrower or the title company, also the closing date per the closing statement is X/X/XX and funding date is X/X/XX - the note is dated X/X/XX and all closing documents were signed/dated and notarized on X/X/XX - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Correction: disbursement date was on X/XX/XXXX - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of XXXX X, XXXX, the borrower executed the package on XXXX X, XXXX. This is standard practice in dry-state closings, including XXXXXXX. The document dates often reflect the lender’s preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower’s actual execution date (XXXX X, XXXX) Completed without any backdating Executed within the lender’s allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on XXXX X, XXXX per the final settlement statement which is allowable in the state of XXXXXXX (dry state). Settlement Agent Signature at the Top of Page X and borrower signatures at bottom of page X - XXXXXX-XX/XX/XXXX |
Resolved-Requested signed Settlement statement provided, Updated & Condition Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-Validation Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXXX XXX - XXXXXX XX XXXXXXXX XXX XXXXXXXXXX XXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158233 | Closed | 2026-04-15 09:21 | 2026-04-20 03:49 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Requested Certificate of Good Standing Provided, Updated & Condition Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Provide Confirmation of good standing must be dated within twelve months of the application submission date (print out on page #XXX is not dated when it was printed therefore unable to determine if it meets guidelines or not) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Requested Certificate of Good Standing Provided, Updated & Condition Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXXXXX XX XXXXXXXXXXXX - XXX XXXX XXXXXX XXXXXXXX XX, XXX.XXX_XXXXX_ XXXX - XXX XXXX XXXXXX XXXXXXXX XX, XXX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158233 | Closed | 2026-04-15 02:26 | 2026-04-20 03:48 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-DSCR is calculated as Rent $X,XXX / PITIA $X,XXX.XX = X.XXX. Provide lender DSCR worksheet to determine if there is any variation in lender calculation as lender worksheet is not included in the file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXX XXXXXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158296 | Closed | 2026-04-17 10:53 | 2026-04-20 13:35 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Application Missing | Resolved-Application received. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-The application is missing from the loan file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Application received. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXX XXXXXX XXX - XXXX XXX - XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||
| XXXX | 2158296 | Closed | 2026-04-16 22:47 | 2026-04-17 10:50 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXXXXX Acknowledged - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXXXXX Acknowledged - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXX XXXX XX XXXXXXXXX XX XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | ||||||
| XXXX | 2158297 | Closed | 2026-04-23 10:05 | 2026-04-23 10:07 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Document Uploaded. Settlement Statement for the refi of XXXX XXXXXX XX was received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Resolved-Document Uploaded. Settlement Statement for the refi of XXXX XXXXXX XX was received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXX-X - XXXX XX XXXX XXXXXX XX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | ||||||
| XXXX | 2158274 | Closed | 2026-04-22 22:33 | 2026-04-24 06:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception approved to allow a Loan-to-Value (LTV) of XX%, in place of the program guideline maximum of XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Lender Exception attached for LTV, thank you. - XXXXX-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV Audited LTV XX% Exceeds Guideline LTV XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Waived-Exception approved to allow a Loan-to-Value (LTV) of XX%, in place of the program guideline maximum of XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXXX XXXXXX - XXXXXX XXXXXXXXX XXXXXXX - XXX.XXX | X. XXX XXX. XXXXXXXX XXX XXX XX XX% XXXX XX XX XX%. X. XXXX XXXX XXXXX. XXXX XXXXX XX XXX XXXX XX XX XXX. X. XXXX XXXXXXXX. XXXXXXXX XXX XX XXXXXX XX XXXXXXXX XXXX XX XX XX XXXXXX. |
XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | |||||
| XXXX | 2158274 | Closed | 2026-04-23 00:43 | 2026-04-24 00:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-XXXX XXXX & XXX XXXX XXXX XXXX statement for Account XXXX XXXXXXX #XXXX uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Business Bank Statements Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please find attached bank statements for XXXX & XXX XXXX ( XXXX XXX XXXXXX). Thank you. - XXXXX-XX/XX/XXXX Open-Borrower X Business Bank Statements Missing Missing XXXX XXXX & XXX XXXX XXXX XXXX statement for Account XXXX XXXXXXX #XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-XXXX XXXX & XXX XXXX XXXX XXXX statement for Account XXXX XXXXXXX #XXXX uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Business Bank Statements Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXXX XXXXXX - XXXX & XXX XXXX XXXX XXX XXXXXX.XXX | XX | Primary Residence | Purchase | NA | N/A | N/A | ||||||
| XXXX | 2158274 | Closed | 2026-04-22 23:15 | 2026-04-22 23:32 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX-XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX-XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | N/A | N/A | |||||||
| XXXX | 2158274 | Closed | 2026-04-22 23:15 | 2026-04-22 23:31 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX-XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX-XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XX-XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | N/A | N/A |