Exhibit 99.4
| ALT ID | LoanRecordID | Loan Number | Vendor Pool | Borrower Name | Initial DD Rating | Final Rating | Credit Rating | Property Rating | Compliance Rating | Credit Exceptions | Property Exceptions | Compliance Exceptions |
| 654464210 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Senior Mortgage Statement-The Senior Mortgage Statement is missing from the file. The Senior Mortgage Statement for the subject property is missing from the file. The two mortgage statements provided are for different properties.-Resolved--Lender provided mortgage statements, finding resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower 1 - ID proof if illegible.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved |
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| 199249913 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided missing documentation, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | |||
| 234098111 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is missing from the file.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Appraisal (Property)-Appraisal not provided. Appraisal report is missing from the file.-Resolved--Lender provided desk review, finding resolved. |
Missing Homeowner Covenant Agreement-The Homeowner Covenant Agreement is missing from the file.-Resolved-- Missing Applicant(s) Acknowledgement of Acceptance-Offer package was provided signed and date by borrower. Condition resolved. The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved-- Missing Important Information Notice and Total Cost Estimate-Offer package was provided signed and date by borrower. Condition resolved. The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved-- Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Offer package was provided signed and date by borrower. Condition resolved. | |
| 953165279 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | CLTV exceeds guidelines-Lender guidelines requires a maximum CLTV of 85%. However, the current CLTV of the subject is 86.45%.-Resolved--After re-review of the loan file, condition is resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided missing documentation, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Offered homeowner agreement received, finding resolved. | ||
| 557599648 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 313547498 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Audited CLTV Exceeds Guideline CLTV-Audit CLTV of 85.49% (1st lien balance plus full credit limit of 2nd lien) exceeds guideline max CLTV of 85%-Resolved--After re-review of the loan file, condition is resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Hazard Insurance Declaration--Resolved--A hazard insurance declaration for this subject property was not provided. Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. |
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| 877798593 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. The borrower identification is missing from the file.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved |
Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided missing documentation, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. The Offered Homeowner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved | ||
| 983598972 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 452532924 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing US Citizen ID Confirmation - Borrower 1-Confirm: For US Citizens Only: Did you look for the Patriot Act Form completed by the Notary Public. Missing US Citizen ID Confirmation - Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved. Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 408349899 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | |||
| 230449355 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Transaction Ineligible-Homeowner Equity of 7.89% does not mett the Guideline Minimum Equity of 10%/-Resolved--After re-review of the loan file, condition resolved. Audited CLTV Exceeds Guideline CLTV-After re-review of the loan file, the CLTV is 73.69% after the first mortgage pay down, which exceeds the guideline CTV of 70% Qualifying Debt Limit CLTV (including the balance of the 2nd lien on pg 623) of 92.93% exceeds the maximum allowed of 85%-Resolved--After re-review of the loan file, condition resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided missing documentation, finding resolved. Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. | ||
| 569467569 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Permanent Resident Alien Card (Borrower 1)-Missing Permanent Resident Alien Card for Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Permanent Resident Alien Card (Borrower 2)-Missing Borrower 2 permanent resident alien card Missing Permanent Resident Alien Card for Borrower 2-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 425058819 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | |||
| 367933610 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Audited CLTV Exceeds Guideline CLTV-78.2% CLTV > Max 75% CLTV per guidelines-Resolved--After re-review of the loan file, condition is resolved. |
Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 993012637 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Home Inspection-The Home Inspection is missing from the file. Home Inspection is missing in the file.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. Hazard Insurance Policy is Missing-Hazard Insurance is missing in file.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Acknowledgement of Acceptance is missing in the file.-Resolved--Lender provided executed document, finding resolved | ||
| 459314777 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | |||
| 531906910 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | |||
| 912384157 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Homeowner Covenant Agreement Not Signed-The Homeowner Covenant Agreement is not signed. Homeowner Covenant Agreement Not Signed -Resolved--Lender provided missing documentation, finding resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Applicant(s) Acknowledgement of Acceptance Missing in the file -Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. Offered HomeOwner Agreement is missing the file. -Resolved--Lender provided executed agreement, finding resolved. | |||
| 914788283 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided missing documentation, finding resolved | |||
| 961337523 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 645127094 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. B1 ID is missing-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 883567589 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on XXX document not required at time of subject transaction, finding resolved. |
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| 310131593 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing -Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Conditions Of Offer-The Conditions Of Offer is missing from the file. The Conditions Of Offer is missing-Resolved--Conditions of Offer provided; condition resolved. Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed.-Resolved--Executed Applicants Acknowledgement of Acceptance provided; condition resolved. | ||
| 305911904 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1 -Resolved--Retention of ID copies was not a XXXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Offer package was provided signed and date by borrower. Condition resolved. Missing Important Information Notice and Total Cost Estimate-Offer package was provided signed and date by borrower. Condition resolved. The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved-- Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Offer package was provided signed and date by borrower. Condition resolved. | ||
| 460159113 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on XXX document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | ||
| 678040101 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-No pay down of the existing first mortgage and no evidence existing second mortgage is paid; condition remains. Max debt limit is 75% however with 1st, 2ndand 3rd lien, max CLTV is 84.10%-Resolved--After re-review of the loan file, condition is resolved. Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. Missing Offered HomeOwner Agreement Terms-Resolved--Offered HomeOwner Agreement Terms provided; condition resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Missing Applicant(s) Acknowledgement of Acceptance-Resolved--Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | ||
| 627677731 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved Missing Borrower Identification - Borrower 4-Borrower 4 identification not provided. Missing Borrower Identification - Borrower 4-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding rescinded Missing Borrower Identification - Borrower 2-Borrower 2 identification not provided. Missing Borrower Identification - Borrower 2-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding rescinded Missing Borrower Identification - Borrower 3-Borrower 3 identification not provided. Missing Borrower Identification - Borrower 3-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding rescinded |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided missing documentation, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 311491667 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. The Offered HomeOwner Agreement Terms is missing from the file-Resolved--Lender provided executed agreement, finding resolved. | |||
| 694976031 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved. | |||
| 446622113 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. | ||
| 612439305 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-HAZARD DOCUMENT IS MISSING.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 881799525 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Transaction Ineligible-Homeowner Equity of 8.05% does not meet Guideline Minimum of 10%.-Resolved--After re-review of the loan file, condition resolved. CLTV exceeds guidelines-Lender guidelines requires a maximum CLTV of 85%. However, the current CLTV of the subject is 91.95%.-Resolved--After re-review of the loan file, condition is resolved. Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Lender provided clarification on Home Inspection document not required at time of subject transaction, finding resolved. Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 333632624 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Audited CLTV Exceeds Guideline CLTV--Resolved--After re-review of the loan file, condition is resolved. |
Missing Homeowner Covenant Agreement-The Homeowner Covenant Agreement is missing from the file.-Resolved--Lender provided missing documentation, finding resolved | ||
| 506935076 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Applicants Acknowledgement of Acceptance provided; condition resolved. | |||
| 192634844 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. |
Important Information Notice and Total Cost Estimate Not Signed-The Important Information Notice and Total Cost Estimate is not signed. The Important Information Notice and Total Cost Estimate is missing from the file. -Resolved--Offer package was provided signed and date by borrower. Condition resolved. Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Offer package was provided signed and date by borrower. Condition resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Offer package was provided signed and date by borrower. Condition resolved. | ||
| 997340330 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Audited CLTV Exceeds Guideline CLTV-Audited CLTV of 88.46% exceeds the maximum allowed of 85%-Resolved--After re-review of the loan file, condition is resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 741425462 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved | |||
| 470604503 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Conditions Of Offer Not Satisfied-Missing executed agreement, finding maintained All conditions provided in the Conditions Of Offer were not satisfied.-Resolved--Documentation received, finding resolved. |
Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved | ||
| 373640415 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Home Inspection-The Home Inspection is missing from the file. Missing Home Inspection-Resolved--Lender provided inspection, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 723183346 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Audited CLTV Exceeds Guideline CLTV-Audited CLTV of 86.29% Exceeds Guideline CLTV of 85%.-Resolved--After re-review of the loan file, condition is resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. B1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 742250375 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | |||
| 270047799 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | |||
| 701876566 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 204598451 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-Max Debt limit CLTV is 75%, however Qualifying Debt limit is 84.55%-Resolved--After re-review of the loan file, condition is resolved. Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Lender provided clarification on Home Inspection document not required at time of subject transaction, finding resolved. |
Missing Offered HomeOwner Agreement Terms-Offer package not executed, finding maintained. The Offered HomeOwner Agreement Terms is missing from the file. -Resolved--Lender provided executed documentation, finding resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 824963219 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Conditions Of Offer-The Conditions Of Offer is missing from the file. -Resolved--Lender provided executed document, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. -Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | |||
| 781194532 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Senior Mortgage Statement-The Senior Mortgage Statement is missing from the file.-Resolved--Current mortgage statement unavailable at time of origination since borrower was in the midst of refinancing, current mortgage documents provided, finding resolved. Per lender, used closing package from previous transaction in lieu of mortgage statement, finding will be rated EV2 |
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| 204401799 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-Max debt limit is 75%, however qualifying debt limit is 79.48% after applying the principal patment made at closing; conditon remains. Max debt limit is 75%, however qualifying debt limit is $XX.XX%-Resolved--After re-review of the loan file, condition is resolved. Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Offer package was provided signed and date by borrower. Condition resolved. Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Lender provided clarification on Home Inspection document not required at time of subject transaction, finding resolved. |
The Deed of Trust is Missing-A Mortgage/Deed of Trust with borrower(s) signatures was not provided.-Resolved--Lender provide executed DOT, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Offer package was provided signed and date by borrower. Condition resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Offer package was provided signed and date by borrower. Condition resolved. | ||
| 251238811 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-HAZARD INSURANCE POLICY missing in the file.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 154297871 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 281467844 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Offer package was provided signed and date by borrower. Condition resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Offer package was provided signed and date by borrower. Condition resolved. | ||
| 948342495 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 171159414 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided. A hazard insurance declaration for this subject property was not prov-Resolved--Lender provided clarification on XXX document not required at time of subject transaction, finding resolved. |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Offered HomeOwner Agreement Terms provided; condition resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | ||
| 927340536 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed. The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | |||
| 233067283 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Required Documentation is Missing-Missing Notice and Acknowledgement Regarding Spouses, Partners and Co-Occupants-Resolved--Lender provided executed documenation, finding resolved. |
Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed. -Resolved--Lender provided missing documentation, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. The Offered HomeOwner Agreement Terms is not signed.-Resolved--Lender provided missing documentation, finding resolved | ||
| 712871842 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 859242014 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-Audited Debt Limit of 70.23% exceeds the Guideline Maximum Debt Limit of 70%.-Resolved--After re-review of the loan file, condition resolved. |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided missing documentation, finding resolved Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 263899647 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Lender provided clarification on Home Inspection document not required at time of subject transaction, finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. -Resolved--Lender provided executed document, finding resolved | ||
| 857327974 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 684679448 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower 1 identification is missing-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. -Resolved--Lender provided executed document, finding resolved | ||
| 693884391 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on hazard insurance document not required at time of subject transaction, finding resolved Note date prior to XX/XX/XXXX. Not required |
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| 798857213 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on hazard insurance document not required at time of subject transaction, finding resolved Note date prior to XX/XX/XXXX. Not required |
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| 631895055 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 504336950 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower 1 identification is missing in file.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 467152724 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 753610134 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Senior Mortgage Statement-The Senior Mortgage Statement is missing from the file.-Resolved--Lender provided statement finding resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--ender provided clarification on Hime Inspection document not required at time of subject transaction, finding resolved |
Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Conditions Of Offer-The Conditions Of Offer is missing from the file. Missing Conditions Of Offer-Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Missing Applicant(s) Acknowledgement of Acceptance-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | ||
| 748092979 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 601294115 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 121586432 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 816795748 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Senior Mortgage Statement-The Senior Mortgage Statement is missing from the file.-Resolved--Lender provided mortgage statement, finding resolved. |
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| 525502451 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. -Resolved--Offer package was provided signed and date by borrower. Condition resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. -Resolved--Offer package was provided signed and date by borrower. Condition resolved. Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. -Resolved--Offer package was provided signed and date by borrower. Condition resolved. | ||
| 181069007 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 876037586 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 258603215 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Senior Mortgage Statement-The Senior Mortgage Statement is missing from the file.-Resolved--The Senior Mortgage Statement is in file Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing HUD-1 Closing Statement-Settlement statement provided is not executed by borrower(s) nor certified by Title Agent, finding maintained. The Closing Statement is missing from the file.-Resolved--During that time, XXXXXX did not charge any third party fees to the client, so we did not require a signed settlement statement from the title company. The closing statement we provided at closing that was in the notary package, did not require a signature, either. Finding resolved. | ||
| 926789404 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 430971332 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower 1 identification is missing-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved |
Missing Appraisal (Property)-Appraisal not provided. Appraisal is missing.-Resolved--Lender provided appraisal, finding resolved. |
Missing Offered HomeOwner Agreement Terms-Offer Agreement not executed by borrower, finding maintained The Offered HomeOwner Agreement Terms is missing from the file. -Resolved--Executed documentation received, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. -Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. -Resolved--Lender provided executed document, finding resolved | |
| 524812843 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Hazard insurance document not required at time of subject transaction, finding resolved. |
Missing Updated Completion Report (442/1004D)-Lender provided property inspection, but main appraisal was finalized as "Subject-To", pending receipt of completion, finding maintained. -Resolved--Lender Provided Inspection in lieu of updated 442, finding resolved |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Offered HomeOwner Agreement Terms provided; condition resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | |
| 894105670 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 359138473 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 581005415 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on Homeowner's Insurance document not required at time of subject transaction, finding resolved |
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| 761868744 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance document is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 262855943 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 695255655 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing HUD-1 Closing Statement-Final settlement statement provided is not executed by borrower(s) nor certified by Title Agent, finding maintained. The Closing Statement is missing from the file. -Resolved--During that time,XXXXXX did not charge any third party fees to the client, so we did not require a signed settlement statement from the title company. The closing statement we provided at closing that was in the notary package, did not require a signature, either. Finding resolved. | ||
| 789059929 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 262680464 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 898789846 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 918729700 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Missing Hazard Insurance Declaration -Resolved--Lender provided clarification on Hazard Insurance document not required at time of subject transaction, finding resolved. |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Offered HomeOwner Agreement Terms provided; condition resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. -Resolved--Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | ||
| 751131374 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. MISSING OFFERED HOMEOWNER AGREEMENT TERMS -Resolved--Lender provided missing documentation, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Borrower's Acknowledgement of Acceptance is missing.-Resolved--Lender provided missing documentation, finding resolved Important Information Notice and Total Cost Estimate Not Signed-The Important Information Notice and Total Cost Estimate is not signed. The Important Information Notice and Total Cost Estimate is not signed document is missing.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Conditions Of Offer-The Conditions Of Offer is missing from the file. The Conditions Of Offer is missing -Resolved--Lender provided executed Letter of Offer, finding resolved. | |||
| 590438353 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower 2 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Condo Questionnaire- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. -Resolved--Lender provided clarification on Condominium Questionnaire document not required at time of subject transaction, finding resolved. |
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| 518453349 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Audited CLTV Exceeds Guideline CLTV-85.96% CLTV exceeds maximum allowed of 75%. Per the Title Report in the file, there are currently 4 liens on the subject property, and 3 of them were verified in the file. While the 4th one was not verified, there is also no indication it has been paid/satisfied, putting the subject loan in 5th lien position.-Resolved--After re-review of the loan file, condition is resolved. Missing Condo Master Insurance Policy-Missing condo master insurance policy.-Resolved--Lender provided clarification on Condominium Master Insurance Policy document not required at time of subject transaction, finding resolved. Missing Condo Questionnaire- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. -Resolved--Lender provided clarification on Condominium Questionnaire document not required at time of subject transaction, finding resolved. Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 638729504 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 711971976 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | |||
| 603627719 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-After re-review of the loan file, the CLTV is 76.92%. after the pay down of the first mortgage. which exceeds the Guidelines maximum CLTV of 75%. CLTV of 98.5% exceeds maximum allowed of 85% Debt Limit (CLTV) Exceeds Guidelines -Resolved--After re-review of the loan file, condition resolved. Transaction Ineligible-Homeowner Equity of 7.97% does not meet Guideline Minimum of 10%.-Resolved--After re-review of the loan file, condition resolved. Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 980172042 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower Identification Missing-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on XXX document not required at time of subject transaction, finding resolved |
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| 666694948 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower 1 identification missing-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Borrower Identification - Borrower 2-Borrower 2 identification not provided. Borrower 2 identification missing-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding rescinded Missing Condo Questionnaire- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. -Resolved--Lender provided clarification on Condo Questionnaires document not required at time of subject transaction, finding resolved |
Missing Offered HomeOwner Agreement Terms-Offer package provided is executed by lender not borrower, finding resolved. The Offered HomeOwner Agreement Terms is missing from the file. -Resolved--Lender provided offer with borrower signature, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. -Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. -Resolved--Lender provided executed document, finding resolved | ||
| 839654905 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 340967623 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 646171215 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard insurance policy is missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Conditions Of Offer-The Conditions Of Offer is missing from the file. The Conditions Of Offer is missing-Resolved--Conditions Of Offer provided; condition resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. The Important Information Notice and Total Cost Estimate is missing -Resolved--Important Information Notice and Total Cost Estimate provided; condition resolved. Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. The Offered HomeOwner Agreement Terms is missing-Resolved--Offered HomeOwner Agreement Terms provided; condition resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. The Applicant(s) Acknowledgement of Acceptance is missing-Resolved--Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | ||
| 876881060 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing US Citizen ID Confirmation - Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing -Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Missing Applicant(s) Acknowledgement of Acceptance -Resolved--Lender provided executed document, finding resolved | ||
| 289700722 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Borrower 1 Photo ID is expired-Borrower 1 Photo ID is expired-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved. Missing required documentation for debt paid by others-Documentation for debt(s) paid by other than borrower does not meet requirements for exclusion from DTI calculations.-Resolved--Debt paid through divorce, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided missing documentation, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided missing documentation, finding resolved. | ||
| 848416517 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | |||
| 583212330 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed.-Resolved--Lender provided executed agreement, finding resolved. Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | |||
| 393372526 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 403781450 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-Calculated CLTV of 89.74% exceeds the maximum guideline allowed CLTV of 75%. -Resolved--After re-review of the loan file, condition is resolved. |
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| 524480730 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Offered HomeOwner Agreement Terms-Offer only contains signature for B1, finding maintained The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed documentation, finding resolved. Missing Important Information Notice and Total Cost Estimate-Offer only contains signature for B1, finding maintained The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed documentation, finding resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | |||
| 917323578 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 2-Borrower 2 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding rescinded Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement within closing package, finding resolved. Important Information Notice and Total Cost Estimate Not Signed-The Important Information Notice and Total Cost Estimate is not signed.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed.-Resolved--Lender provided missing documentation, finding resolved | ||
| 112859853 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided. Missing Hazard Insurance Declaration -Resolved--Lender provided clarification on hazard insurance document not required at time of subject transaction, finding resolved Note date prior to XX/XX/XXXX. Not required |
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| 910971943 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | |||
| 726887144 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 700250478 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower 1 identification is missing in file.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing in file.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. The Offered HomeOwner Agreement Terms is missing in the file.-Resolved--Lender provided missing documentation, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Applicant(s) Acknowledgement of Acceptance is missing in the file.-Resolved--Lender provided missing documentation, finding resolved | ||
| 493083349 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Senior Mortgage Statement-Missing the mortgage statements for the 1st and 2nd liens. Subject is in 3rd lien position. The Senior Mortgage Statement is missing from the file.-Resolved--Lender provided mortgage statement, finding resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Missing Hazard Insurance Declaration-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 132741323 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 779514199 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 577062258 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 415264187 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1 -Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing -Resolved--Lender provided clarification on Hazard Insurance document not required at time of subject transaction, finding resolved. |
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| 938595512 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-Audit Calculated Debty Limit of 71.05% exceeds guidelines Maximum of 70%.-Resolved--After re-review of the loan file, condition resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. -Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. -Resolved--Lender provided executed agreement, finding resolved. | ||
| 873323282 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed.-Resolved--Lender provided executed agreement, finding resolved. | ||
| 472616014 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on hazard insurance document not required at time of subject transaction, finding resolved Note date prior to XX/XX/XXXX. Not required |
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| 185066384 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 239051434 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 581439980 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 632427930 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Hazard Insurance document not required at time of subject transaction, finding resolved. |
Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 700449880 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved.” |
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| 504328227 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 424887515 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | |||
| 805118115 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | |||
| 909184794 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved.” |
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| 420861592 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided HOI policy, finding resolved. |
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| 913516345 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 766685910 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 486260352 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 674299532 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Incomplete Hazard Insurance Declaration-All pages of the hazard insurance were not provided. The file is missing pages 2-4 of the Homeowners declaration in file.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Conditions Of Offer-Offer only contains signature for B2, finding maintained The Conditions Of Offer is missing from the file.-Resolved--Executed conditions of offer received, finding resolved. Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | ||
| 392643160 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 454762356 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Lender provided clarification on home inspection document not required at time of subject transaction, finding resolved Note date prior to XX/XX/XXXX. Not required Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on hazard insurance document not required at time of subject transaction, finding resolved Note date prior to XX/XX/XXXX. Not required |
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| 428657053 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 378484500 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 749805536 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 672007473 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 742734337 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. Offered Home Owner Agreement Terms -Resolved--Lender provided executed Letter of Offer, finding resolved. | |||
| 683919363 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 740029460 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 906824307 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. APPLICANT(S) ACKNOWLEDGEMENT OF ACCEPTANCE IS MISSING-Resolved--Lender provided executed document, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. MISSING IMPORTANT INFORMATION NOTICE AND TOTAL COST ESTIMATE -Resolved--The Important Information Notice and Total Cost Estimate in file. | ||
| 220109157 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. The Important Information Notice and Total Cost Estimate is missing from the file-Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | |||
| 972825420 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-After re-review of the loan file, the CLTV is 70.63%, which exceeds the guideline CTV of 70%. Debt Limit (CLTV) Exceeds Guidelines-Resolved--After re-review of the loan file, condition resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved-- Lender provided missing documentation, finding resolved Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 471041227 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-Debt Limit (CLTV) Exceeds Guidelines-Resolved--After re-review of the loan file, condition is resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. The Applicant(s) Acknowledgement of Acceptance is missing in the file.-Resolved--Lender provided executed document, finding resolved | ||
| 875394090 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 723972666 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Lender provided clarification on Home Inspection document not required at time of subject transaction, finding resolved |
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| 720777592 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided missing documentation, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. | |||
| 636799349 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Application Missing All Required Information-Closing package missing the Acknowledgement regarding spouse, finding maintained. Signed Notice and Acknowledgement Regarding Spouses, Partners and Co-Occupants In File,Loan Term ,Investment Payment,HEI - Purchase Price,Maximum Authorized Debt,Purchase Price Balance-Resolved--Lender provided executed disclosure, finding resolved. The Appraisal is Missing-The Appraisal is Missing.-Resolved--Lender provided appraisal, finding resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved Missing Borrower Identification - Borrower 2--Resolved--Borrower 2 identification not provided. Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding rescinded Missing Closing Instructions-Missing Closing Instructions-Resolved--Lender provided closing instructions, finding resolved. Missing Home Inspection--Resolved--The Home Inspection is missing from the file. Lender provided clarification on Home Inspection document not required at time of subject transaction, finding resolved |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved. Missing Homeowner Covenant Agreement-The Homeowner Covenant Agreement is missing from the file.-Resolved--Lender provided missing documents, finding resolved Missing Important Information Notice and Total Cost Estimate--Resolved--The Important Information Notice and Total Cost Estimate is missing from the file. Located on pg 6 of the Condition of Offer on the Bulletin Board Missing Homeowner Option Agreement-The Homeowner Option Agreement is missing from the file.-Resolved--Lender provided missing documentation, finding resolved. Missing Conditions Of Offer--Resolved--Lender provided missing documentation, finding resolved. The Conditions Of Offer is missing from the file. Located on the Bulletin Board | ||
| 514078819 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing -Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved.” |
Important Information Notice and Total Cost Estimate Not Signed-The Important Information Notice and Total Cost Estimate is not signed. Important Information Notice and Total Cost Estimate missing-Resolved--Lender provided executed documentation, finding resolved. Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed. Acknowledgement of Acceptance is missing-Resolved--Lender provided executed agreement, finding resolved. Conditions Of Offer Not Signed-The Conditions Of Offer is not signed. Conditions Of Offer missing-Resolved--Lender provided executed agreement, finding resolved. Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | ||
| 828094637 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided. Missing Hazard Insurance Declaration-Resolved--Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. |
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| 607200943 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Located on pg 12 in trailing doc Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Located on pg 1 in trailing doc | ||
| 965338399 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-HOI policy is missing in file.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Applicant(s) Acknowledgement of Acceptance is missing in the file.-Resolved--Lender provided executed document, finding resolved | ||
| 774167952 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-Audit Debt Limit of 78.58% as greater than 75% allowed for a HomeOwner Loan. Audit Debt Limit of 78.58% as greater than 75% allowed for a HomeOwner Loan.-Resolved--After re-review of the loan file, condition is resolved. Missing Home Inspection-The Home Inspection is missing from the file. the inspection provided in the loan file is incomplete, -Resolved--Lender provided clarification on home inspection document not required at time of subject transaction, finding resolved App prior to XX/XX/XXXX, not required App prior to XX/XX/XXXX, not required |
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| 760988289 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Applicant(s) Acknowledgement of Acceptance is missing in the file.-Resolved--Lender provided executed document, finding resolved | |||
| 931293761 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Applicant(s) Acknowledgement of Acceptance is missing in the file.-Resolved--Lender provided executed document, finding resolved | |||
| 640260456 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 255081702 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing in file.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. The Applicant(s) Acknowledgement of Acceptance is missing in the file.-Resolved--Lender provided executed document, finding resolved | ||
| 441064934 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided. HOI is not in file.-Resolved--Lender provided clarification on hazard insurance document not required at time of subject transaction, finding resolved Note date prior to XX/XX/XXXX. Finding not required. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. The Applicant(s) Acknowledgement of Acceptance is missing in the file.-Resolved--Lender provided executed document, finding resolved | ||
| 270181193 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | |||
| 951662967 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 220998081 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 839035816 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 662806732 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. |
Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed. Applicant(s) Acknowledgement of Acceptance in file is not signed.-Resolved--Lender provided executed agreement, finding resolved. Important Information Notice and Total Cost Estimate Not Signed-The Important Information Notice and Total Cost Estimate is not signed. Important Information Notice and Total Cost Estimate in file is not signed.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Offered HomeOwner Agreement Terms Not Signed-The Offered HomeOwner Agreement Terms is not signed. Offered HomeOwner Agreement Terms in file is not signed.-Resolved--Lender provided executed Letter of Offer, finding resolved. Conditions Of Offer Not Signed-The Conditions Of Offer is not signed. Conditions Of Offer in file is not signed.-Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 153243166 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Applicant(s) Acknowledgement of Acceptance is missing in the file.-Resolved--Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | ||
| 949361081 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Transaction Ineligible-Homeowner Equity of 9.81% does not meet Guideline Minimum of 10%.-Resolved--After re-review of the loan file, condition resolved. Audited CLTV Exceeds Guideline CLTV-Audited CLTV Exceeds Guideline CLTV-Resolved--After re-review of the loan file, condition is resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Missing Hazard Insurance Declaration-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 695756819 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-Max Debt limit is 75%, however Qualifying debt limit is 80.17%-Resolved--After re-review of the loan file, condition is resolved. |
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| 857376158 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Homeowners Insurance: no homeowner insurance required prior to XX/XX/XXXX, finding resolved |
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| 810355042 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on Homeowner's Insurance document not required at time of subject transaction, finding resolved |
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| 115843691 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 423560457 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 441643604 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 455623894 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 956997113 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1 -Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 871532357 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 506698281 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing -Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 122582261 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 202715145 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 144624971 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 456881769 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. The Important Information Notice and Total Cost Estimate is not signed.-Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. -Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | ||
| 642331228 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 570900655 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Audited CLTV Exceeds Guideline CLTV-Audited CLTV-90.24% Exceeds Guideline CLTV-85%.-Resolved--After re-review of the loan file, condition is resolved. |
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| 527077975 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower ID is missing-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 854144381 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Lender provided clarification on home inspection document not required at time of subject transaction, finding resolved |
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| 388107299 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on hazard insurance document not required at time of subject transaction, finding resolved |
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| 810365214 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1 -Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 759802312 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed.-Resolved--Executed Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | ||
| 259101430 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Condo Questionnaire- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. -Resolved--Lender provided clarification on condo questionnaire document not required at time of subject transaction, finding resolved Not required by lender HO6 Insurance Policy is Missing--Resolved--Lender provided clarification on HO6 insurance document not required at time of subject transaction, finding resolved Note date prior to XX/XX/XXXX. Not required |
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| 616330000 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing -Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Missing Applicant(s) Acknowledgement of Acceptance -Resolved--Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | ||
| 227156465 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 423087441 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Audited CLTV Exceeds Guideline CLTV-Audited CLTV 90% Exceeds Guideline CLTV 85%-Resolved--After re-review of the loan file, condition is resolved. |
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| 768628177 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 406140534 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed. APPLICANT(S) ACKNOWLEDGEMENT OF ACCEPTANCE NOT SIGNED -Resolved--Executed Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | |||
| 642231472 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 853141261 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on hazard insurance document not required at time of subject transaction, finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 940843782 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing -Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 379643056 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 952913931 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 477414923 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | |||
| 721149592 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. Missing Important Information Notice and Total Cost Estimate-Resolved--Lender provided executed document, finding resolved Missing Conditions Of Offer-The Conditions Of Offer is missing from the file. Condition of Offer, Applicant(s) Acknowledgement of Acceptance, Important Information Notice and Total Cost Estimate, Offered Homeowner Agreement Term are missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Missing Applicant(s) Acknowledgement of Acceptance-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. Missing Offered HomeOwner Agreement Terms-Resolved--Lender provided executed agreement, finding resolved. | |||
| 409358463 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Audited CLTV Exceeds Guideline CLTV-Audited CLTV of 86.77% Exceed Guideline CLTV of 75%.; there is no evidence of a first mortgage pay down; condition remains. Audited CLTV of 87.03% Exceed Guideline CLTV of 75%.-Resolved--After re-review of the loan file, condition resolved. Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided. Missing Hazard Insurance Declaration-Resolved--Lender provided clarification on hazard insurance document not required at time of subject transaction, finding resolved Note date prior to XX/XX/XXXX. Not required |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | ||
| 763685346 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Senior Mortgage Statement-The Senior Mortgage Statement is missing from the file.-Resolved--Lender provided mortgage statement, finding resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower 1 identification not provided-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 317440827 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Missing Hazard Insurance Declaration in file.-Resolved--Lender provided clarification on Hazard Insurance document not required at time of subject transaction, finding resolved. |
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| 920774605 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Finding Add-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided. Finding Add-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved |
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| 807539956 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. The borrower1 identification is missing from the file. -Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 935209025 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on hazard document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. The Acknowledgement of Acceptance is missing from the file.-Resolved--Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | ||
| 646217435 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Applicant(s) Acknowledgement of Acceptance is missing -Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. Offered HomeOwner Agreement Terms is missing-Resolved--Lender provided executed Letter of Offer, finding resolved. | |||
| 224344555 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Borrower Identification - Borrower 2-Borrower 2 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 150217281 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 310804686 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided. Hazard insurance is missing in file.-Resolved--Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. Offered HomeOwner Agreement Terms is missing in the file.-Resolved--Lender provided executed agreement, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. Important Information Notice and Total Cost Estimate is missing in the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Acknowledgement of Acceptance is missing in the file.-Resolved--Lender provided missing documentation, finding resolved | ||
| 357049475 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Senior Mortgage Statement-The Senior Mortgage Statement is missing from the file.-Resolved--Lender provided mortgage statement, finding resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Condo Questionnaire- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. The Condo Questionnaire is missing from the loan file. Additional conditions may apply.-Resolved--Lender provided clarification on Condominium Questionnaire document not required at time of subject transaction, finding resolved. Missing Condo Master Insurance Policy-Missing condo master insurance policy.-Resolved--Lender provided clarification on Condo Master Insurance Policy document not required at time of subject transaction, finding resolved. |
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| 603812941 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 351757941 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 879883424 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 418430725 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowner's Insurance document not required at time of subject transaction, finding resolved. |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. MISSING OFFERED HOMEOWNER AGREEMENT TERMS -Resolved--Located on pages 1-2 of the Conditions of Offer on the Bulletin Board | ||
| 731582586 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 574491745 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 210963264 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | HO6 Insurance Policy is Missing-HO6 Insurance Policy is Missing-Resolved--Lender provided clarification on HO6 Insurance document not required at time of subject transaction, finding resolved. |
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| 615144179 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 684183173 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 419071146 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. APPLICANT(S) ACKNOWLEDGEMENT OF ACCEPTANCE is missing in the file.-Resolved--Lender provided executed document, finding resolved | ||
| 676076893 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 821368510 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. |
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| 560931156 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 838645058 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration--Resolved--A hazard insurance declaration for this subject property was not provided. Lender provided clarification on HOI document not required at time of subject transaction, finding resolved |
ECOA: Appraisal Missing or Incomplete-ECOA: Appraisal Missing or Incomplete-Resolved--Lender provided appraisal, finding resolved Missing Applicant(s) Acknowledgement of Acceptance--Resolved--Lender provided executed document, finding resolved | ||
| 741607821 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Permanent Resident Alien Card (Borrower 2)-Missing Borrower 2 permanent resident alien card Missing Permanent Resident Alien Card-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. Missing Important Information Notice and Total Cost Estimate-Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Missing Applicant(s) Acknowledgement of Acceptance-Resolved--Lender provided executed document, finding resolved | ||
| 893510937 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 396699127 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-HAZARD INSURANCE POLICY IS MISSING-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 400923907 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-Debt Limit 84.21% CLTV Exceeds Guidelines CLTV of 75%-Resolved--After re-review of the loan file, condition is resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Lender provided clarification on XX/XX/XXXX document not required at time of subject transaction, finding resolved. |
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| 786384462 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 108168298 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Transaction Ineligible-Homeowner Equity of 8.14% does not meet Guideline Minimum of 10%.-Resolved--After re-review of the loan file, condition resolved. Debt Limit (CLTV) Exceeds Guidelines-After re-review of the loan file, the CLTV is 76.47% after the first mortgage pay down, which exceeds the guideline CTV of 70%.-Resolved--After re-review of the loan file, condition resolved. Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Lender provided clarification on Home Inspection document not required at time of subject transaction, finding resolved. HO6 Insurance Policy is Missing-HO6 Insurance Policy is Missing-Resolved--Lender provided clarification on Ho6 Insurance document not required at time of subject transaction, finding resolved. Missing Condo Master Insurance Policy-Missing condo master insurance policy.-Resolved--Lender provided clarification on Condo Master Insurance document not required at time of subject transaction, finding resolved. |
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| 973563500 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 426251821 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. -Resolved--Lender provided executed document, finding resolved | ||
| 245881483 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | |||
| 235027753 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 657305698 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-After re-review of the loan file, the CLTV is 71.06% after the first mortgage pay down, which exceeds the guideline CTV of 70%. CLTV exceed the guidelines-Resolved--After re-review of the loan file, condition resolved. |
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| 358326214 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 969029288 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. Missing Important Information Notice and Total Cost Estimate-Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Missing Applicant(s) Acknowledgement of Acceptance-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. Missing Offered HomeOwner Agreement Terms-Resolved--Lender provided executed agreement, finding resolved. | |||
| 470293056 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 682434640 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 816334227 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 590842721 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Transaction Ineligible-Homeowner Equity of 7.69% does not meet Guideline Minimum of 10%.-Resolved--After re-review of the loan file, condition resolved. CLTV exceeds guidelines-Lender guidelines require a maximum CLTV of 85%. However, the current CLTV of the subject is 92.31%, even after paying down the current 1st lien by $XX,XXX at closing. Lender guidelines requires a maximum CLTV of <<85>>%. However, the current CLTV of the subject is <<100.52>>%. -Resolved--After re-review of the loan file, condition resolved. After re-review of the loan file, the CLTV is 76.92% after the pay down of the first mortgage, which exceed the Guideline Maximum CLTV of 70%. Condition maintained. |
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| 162704572 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 470141202 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Audited CLTV Exceeds Guideline CLTV-After re-review of the loan file, the CLTV is 73.68% after the first mortgage pay down, which exceeds the guideline CTV of 70%. Guidelines dated 11/21/2022 reflect a maximum CLTV of 70% for an owner-occupied transaction. The subject CLTV is 83.90%. -Resolved--After re-review of the loan file, condition resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. Missing Important Information Notice and Total Cost Estimate--Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. The Important Information Notice and Total Cost Estimate is missing from the file. Invalid finding. Finding rescinded. Document found in file. | ||
| 343017757 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Offered HomeOwner Agreement Terms-Offer only contains signature for B2, finding maintained The Offered HomeOwner Agreement Terms is missing from the file. Missing Offered HomeOwner Agreement Terms-Resolved--Lender provided executed letter of offer, finding resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Missing Applicant(s) Acknowledgement of Acceptance-Resolved--Lender provided executed document, finding resolved | |||
| 663032928 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Transaction Ineligible-Homeowner Equity of 7.70% does not meet Guideline Minimum of 10%.-Resolved--After re-review of the loan file, condition resolved. Audited CLTV Exceeds Guideline CLTV-After re-review of the loan file, the CLTV is 75.66%, which exceeds the guideline CTV of 75%. Guidelines dated 04/01/2021 reflect a maximum CLTV of 75% vs audited CLTV of 92.30%. -Resolved--After re-review of the loan file, condition resolved. Hazard Insurance Policy is Missing-HAZARD INSURANCE POLICY IS MISSING-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved.” |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 193378435 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy Is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | ||
| 934530048 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 176411089 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 180769655 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | |||
| 554604862 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. |
Offered HomeOwner Agreement Terms Not Signed-The Offered HomeOwner Agreement Terms is not signed.-Resolved--Lender provided missing documentation, finding resolved Missing Important Information Notice and Total Cost Estimate-Lender provided executed Letter of Offer which includes disclosure, finding resolved. The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved-- Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 242684383 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Applicant(s) Acknowledgement of Acceptance is missing in the file.-Resolved--Lender provided executed document, finding resolved | |||
| 506117561 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard insurance is missing.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 909684046 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1 -Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing -Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 673073620 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance policy document is missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 843708334 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed. The Applicant(s) Acknowledgement of Acceptance is missing-Resolved--Lender provided executed agreement, finding resolved. | ||
| 708547732 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 901606841 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Senior Mortgage Statement-The Senior Mortgage Statement is missing from the file.-Resolved--Lender provided mortgage statement, finding resolved. Hazard Insurance Policy is Missing-Missing Hazard Insurance Declaration-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 821671741 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Senior Mortgage Statement-The Senior Mortgage Statement is missing from the file. Missing Senior Lien Mortgage-Resolved--Lender provided mortgage statement, finding resolved. Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Missing Acceptance letter-Resolved--Lender provided executed document, finding resolved | ||
| 508423045 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 751743118 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Applicant(s) Acknowledgement of Acceptance is missing in the file.-Resolved--Applicant(s) Acknowledgement of Acceptance provided; condition resolved. | |||
| 633436523 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Missing Applicant(s) Acknowledgement of Acceptance-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. Missing Offered HomeOwner Agreement Terms-Resolved--Lender provided executed Letter of Offer, finding resolved. | |||
| 397182922 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 508039181 | XXXXXX | XXXXXX | XXXXXX | 3 | 3 | 3 | 1 | 1 | Transaction Ineligible-Homeowner Equity of 4.31% does not meet Guideline Minimum of 10%.-Acknowledged--Lender acknowledged unable to provide evidence of a leased status on solar liens, finding will remain EVC Debt Limit (CLTV) Exceeds Guidelines-After re-review of the loan file, the CLTV is 78.19% which exceeds the guideline CTV of 75%.-Acknowledged--Lender acknowledged unable to provide evidence of a leased status on solar liens, finding will remain EVC |
Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed.-Resolved--Lender provided executed agreement, finding resolved. Offered HomeOwner Agreement Terms Not Signed-The Offered HomeOwner Agreement Terms is not signed. The Offered HomeOwner Agreement Terms is missing-Resolved--Lender provided executed Letter of Offer, finding resolved. Important Information Notice and Total Cost Estimate Not Signed-The Important Information Notice and Total Cost Estimate is not signed. The Important Information Notice and Total Cost Estimate is missing -Resolved--Located pg 13 of trailing doc | ||
| 857156668 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 774097469 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided missing documentation, finding resolved. | |||
| 226097706 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 594704946 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 799334849 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Lender provided appraisal, finding resolved. Debt Limit (CLTV) Exceeds Guidelines-Debt Limit (CLTV) Exceeds Guidelines -Resolved--After re-review of the loan file, condition is resolved. |
Missing Conditions Of Offer-The Conditions Of Offer is missing from the file. -Resolved--Lender provided executed document, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. -Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. -Resolved--Lender provided executed agreement, finding resolved. | ||
| 955541243 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Applicant(s) Acknowledgement of Acceptance is missing in the file.-Resolved--Lender provided executed document, finding resolved | |||
| 442009704 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 491074329 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided HOI, finding resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 325091080 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower 1 identification missing-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Home Inspection-The Home Inspection is missing from the file. -Resolved--Lender provided clarification on Home Inspection document not required at time of subject transaction, finding resolved. |
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| 986260936 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed. Acknowledgement of Acceptance is missing.-Resolved--Lender provided executed agreement, finding resolved. | ||
| 720921203 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Condo Questionnaire- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. The Condo Questionnaire is missing from the loan file.-Resolved--Lender provided clarification on Condominium Questionnaire document not required at time of subject transaction, finding resolved. |
Missing Conditions Of Offer-The Conditions Of Offer is missing from the file. The Conditions of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. | ||
| 275906216 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. |
Missing Appraisal (Property)-Appraisal not provided.-Resolved--Lender provided appraisal, finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | |
| 144007700 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Audited CLTV Exceeds Guideline CLTV-After re-review of the loan file, the CLTV is 73.69% after the first mortgage pay down, which exceeds the guideline CTV of 70%. Guidelines dated 11/21/2022 reflects a maximum CLTV of 70% vs audited CLTV of 89%. -Resolved--After re-review of the loan file, condition resolved. |
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| 709671234 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower 1 identification is missing-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding Resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 242283753 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Senior Mortgage Statement-Upload did not include mortgage statement, finding maintained. The Senior Mortgage Statement is missing from the file.-Resolved--Mortgage statement provided, finding resolved. Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided. Missing Hazard Insurance Declaration -Resolved--Lender provided clarification on hazard insurance document not required at time of subject transaction, finding resolved |
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| 886306791 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved HO6 Insurance Policy is Missing-HO6 Insurance Policy is Missing.-Resolved--Lender provided clarification on HO6 Insurance document not required at time of subject transaction, finding resolved. Missing Condo Master Insurance Policy-Missing condo master insurance policy.-Resolved--Lender provided clarification on Condo Master Insurance document not required at time of subject transaction, finding resolved. |
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| 306636300 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. -Resolved--Lender provided executed agreement, finding resolved. | |||
| 801907413 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided. Missing Hazard Insurance Declaration -Resolved--Lender provided clarification on hazard insurance document not required at time of subject transaction, finding resolved Note date prior to XX/XX/XXXX. Not required |
Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed. Acknowledgement of Acceptance is missing-Resolved--Lender provided executed agreement, finding resolved. | ||
| 133077408 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided missing documentation, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved | |||
| 246724759 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Condo Master Insurance Policy-Missing condo master insurance policy.-Resolved--Lender provided clarification on Condominium Master Insurance Policy document not required at time of subject transaction, finding resolved. Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Lender provided clarification on Home Inspection document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | ||
| 551584468 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed.-Resolved--Lender provided executed agreement, finding resolved. | |||
| 773542387 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Homeowners Insurance: no homeowner insurance required prior to XX/XX/XXXX, finding resolved |
Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. -Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 178184284 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 554768555 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. ID Missing for Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved HO6 Insurance Policy is Missing-HO6 Missing-Resolved--Lender provided clarification on HO6 Insurance document not required at time of subject transaction, finding resolved. Hazard Insurance Policy is Missing-Hazard Insurance is missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Conditions offer present. Resolved | ||
| 291341511 | XXXXXX | XXXXXX | XXXXXX | 3 | 2 | 2 | 1 | 1 | Hazard Insurance Policy is Partial-Policy is missing page 2-4.-Waived--Lender acknowledges that a complete HOI policy was not provided but the mortgage statement reflects escrows, finding will be rated EV2 |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 804939502 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Audited CLTV Exceeds Guideline CLTV-After re-review of the loan file, the CLTV is 76.48%. There is no pay down of the firt or second mortgage. Condition remains. Audit CLTV of 92.31% exceeds the maximum allowed CLTV of 85%, including the full LOC amount of the 2nd lien. Subject is a 3rd lien.-Resolved--After re-review of the loan file, condition resolved. Transaction Ineligible-Homeowner Equity of 7.69% does not meet Guideline Minimum of 10%.-Resolved--After re-review of the loan file, condition resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 406946709 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | CLTV exceeds guidelines-Lender guidelines requires a maximum CLTV of 90>%. However, the current CLTV of the subject is <91.05>%.-Resolved--After re-review of the loan file, condition is resolved. |
Missing Appraisal (Property)-Appraisal not provided.-Resolved--Lender provided appraisal, finding resolved. |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | |
| 410448141 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 350883231 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed. Signed Applicant(s) Acknowledgement of Acceptance missing In File-Resolved--Lender provided executed agreement, finding resolved. | |||
| 937661110 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 648961521 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 666977803 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing -Resolved--Lender provided clarification on HOI document not required at time of subject transaction, finding resolved. |
Missing Offered HomeOwner Agreement Terms-Offer package was provided signed and date by borrower. Condition resolved. The Offered HomeOwner Agreement Terms is missing from the file. Missing Offered HomeOwner Agreement Terms -Resolved--Offer package was provided signed and date by borrower. Condition resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. Missing Important Information Notice and Total Cost Estimate -Resolved--Offer package was provided signed and date by borrower. Condition resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Missing Applicant(s) Acknowledgement of Acceptance -Resolved--Offer package was provided signed and date by borrower. Condition resolved. | ||
| 893188263 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. Hazard Policy is missing. -Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved |
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| 497433053 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Conditions Of Offer Not Satisfied-All conditions provided in the Conditions Of Offer were not satisfied. Signed Conditions of Offer in File is missing-Resolved--Lender provided executed agreement, finding resolved. Hazard Insurance Policy is Missing-Hazard Insurance in Missing.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed.-Resolved--Lender provided executed agreement, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided missing documentation, finding resolved | ||
| 585451498 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 855625493 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | |||
| 354103330 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard policy is missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 774210157 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 374653194 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. -Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. -Resolved--Lender provided missing documentation, finding resolved | |||
| 420793308 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved Missing Borrower Identification - Borrower 2-Borrower 2 identification not provided. Missing Borrower Identification - Borrower 2-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding rescinded Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided missing documentation, finding resolved | ||
| 200577189 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Transaction Ineligible-Homeowner Equity of 7.69% does not meet Guideline Minimum of 10%.-Resolved--After re-review of the loan file, condition resolved. Debt Limit (CLTV) Exceeds Guidelines-After re-review of the loan file, the CLTV is 75.50%, which exceeds the guideline CTV of 75%. Calculated Debt Limit of 92.16% as greater than 85% allowed by program-Resolved--After re-review of the loan file, condition resolved. |
Missing US Patriot Act Disclosure or ID--Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved. Missing borrower's ID or USA patriot act form. | ||
| 631489261 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. APPLICANT(S) ACKNOWLEDGEMENT OF ACCEPTANCE is missing in the file.-Resolved--Lender provided executed document, finding resolved | ||
| 199808559 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | |||
| 847654599 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. -Resolved--Lender provided executed document, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. -Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. -Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 234655432 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 483089450 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Conditions Of Offer Not Satisfied-All conditions provided in the Conditions Of Offer were not satisfied. -Resolved--Lender provided missing documentation, finding resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved |
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| 244617968 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Transaction Ineligible-Homeowner Equity of 8.59% does not meet Guideline Minimum of 10%.-Resolved--After re-review of the loan file, condition resolved. Audited CLTV Exceeds Guideline CLTV-Audited CLTV Exceeds Guideline CLTV-Resolved--After re-review of the loan file, condition is resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Borrower 2 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved Missing Borrower Identification - Borrower 2-Borrower 2 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding rescinded Hazard insurance dwelling coverage is not sufficient-Dwelling is not covering loan amount -Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved.” |
Missing Appraisal (Property)-Appraisal not provided.-Resolved--Lender provided appraisal, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | |
| 226587834 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Debt Limit (CLTV) Exceeds Guidelines-Debt Limit (CLTV) Exceeds Guidelines-Resolved--After re-review of the loan file, condition is resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Located on Pg 1 of trailing doc Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Located pg 13 of trailing doc | ||
| 746179971 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Hazard Insurance document not required at time of subject transaction, finding resolved. |
Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. MISSING IMPORTANT INFORMATION NOTICE AND TOTAL COST ESTIMATE -Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. ACKNOWLEDGEMENT OF ACCEPTANCE is missing-Resolved--Lender provided executed document, finding resolved | ||
| 722469937 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved Missing Borrower Identification - Borrower 2-Borrower 2 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding rescinded |
Important Information Notice and Total Cost Estimate Not Signed-The Important Information Notice and Total Cost Estimate is not signed.-Resolved--Lender provided executed documentation, finding resolved. Conditions Of Offer Not Signed-The Conditions Of Offer is not signed.-Resolved--Lender provided executed agreement, finding resolved. Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | ||
| 619281073 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 409302848 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on hazard document not required at time of subject transaction, finding resolved |
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| 880880889 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Transaction Ineligible-Homeowner Equity of 7.86% does not meet Guideline Minimum of 10%.-Resolved--After re-review of the loan file, condition resolved. Debt Limit (CLTV) Exceeds Guidelines-After re-review of the loan file, the CLTV is 76.75% after the first mortgage pay down, which exceed the Guidelines Maximum CLTV of 75%. As per the HEI Calculator Debt Limit (CLTV) Exceeds Guidelines.-Resolved--After re-review of the loan file, condition resolved. Hazard Insurance Policy is Missing-HAZARD INSURANCE POLICY is missing in the file.-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Applicant(s) Acknowledgement of Acceptance Not Signed-The Applicant(s) Acknowledgement of Acceptance is not signed.-Resolved--Lender provided executed agreement within closing package, finding resolved. Conditions Of Offer Not Signed-The Conditions Of Offer is not signed.-Resolved--Lender provided executed agreement within closing package, finding resolved. | ||
| 730532925 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Missing Hazard Insurance Declaration -Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved. | ||
| 723493755 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed Letter of Offer, finding resolved. | |||
| 907076997 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Inspection provided App prior to XX/XX/XXXX, not required Home Inspection report was provided by Lender. condition resolved. |
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| 805343544 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved. Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Lender provided inspection, finding resolved. |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. -Resolved--Lender provided executed Letter of Offer, finding resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. -Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Conditions Of Offer-The Conditions Of Offer is missing from the file. -Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 751556778 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 267318224 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 748910149 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | HO6 Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved.” |
Missing Appraisal (Property)-Appraisal not provided. Appraisal is missing -Resolved--Lender provided appraisal, finding resolved. |
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| 726009652 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 684887503 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Homeowners Insurance: no homeowner insurance required prior to XX/XX/XXXX,finding resolved. Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 725094291 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 801092685 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 559041692 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance is missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 665843555 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. APPLICANT(S) ACKNOWLEDGEMENT OF ACCEPTANCE is missing in the file.-Resolved--Lender provided executed document, finding resolved | |||
| 205170003 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 303132514 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Term provided. condition resolved. The Offered HomeOwner Agreement Terms is missing from the file. -Resolved-- Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. -Resolved--The Applicant(s) Acknowledgement of Acceptance provided. condition resolved. Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. -Resolved--The Important Information Notice and Total Cost Estimate provided. condition resolved. | ||
| 889616608 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Required Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 109690204 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 913351455 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 713814330 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 283393793 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on hazard document not required at time of subject transaction, finding resolved. |
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| 804448184 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided. Missing Hazard Insurance Declaration-Resolved--Lender provided clarification on hazard insurance document not required at time of subject transaction, finding resolved Note date prior to XX/XX/XXXX. Not required |
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| 860175068 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing--Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
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| 969741964 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 265910477 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing -Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Applicant(s) Acknowledgement of Acceptance is missing -Resolved--Lender provided executed document, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file. Important Information Notice and Total Cost Estimate is missing-Resolved--Lender provided executed Letter of Offer which includes disclosure, finding resolved. Missing Conditions Of Offer-The Conditions Of Offer is missing from the file. Conditions Of Offer is missing -Resolved--Lender provided executed Letter of Offer, finding resolved. | ||
| 713970374 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Applicant(s) Acknowledgement of Acceptance is missing in the file.-Resolved--Lender provided executed document, finding resolved | |||
| 657308806 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Home Inspection-The Home Inspection is missing from the file. Missing Home Inspection-Resolved--Lender provided clarification on Home Inspection document not required at time of subject transaction, finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. -Resolved--Lender provided executed document, finding resolved | ||
| 536189437 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided. Missing Borrower Identification - Borrower 1-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Applicant(s) Acknowledgement of Acceptance is missing in the file.-Resolved--Lender provided executed document, finding resolved | ||
| 556358318 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Home Inspection-The Home Inspection is missing from the file.-Resolved--Lender provided documentation. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 511483048 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 364191495 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Hazard Insurance Declaration-A hazard insurance declaration for this subject property was not provided.-Resolved--Lender provided clarification on Homeowner's Insurance document not required at time of subject transaction, finding resolved |
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| 454619415 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 689800727 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | ||||
| 540405105 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction, finding resolved |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | ||
| 788273269 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file.-Resolved--Lender provided executed agreement, finding resolved. | |||
| 517190876 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | CLTV exceeds guidelines-CLTV exceeds guidelines -Resolved--After re-review of the loan file, condition is resolved. Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing -Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved | ||
| 923411845 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Hazard Insurance Policy is Missing-Hazard Insurance Policy is Missing-Resolved--Lender provided clarification on Hazard Insurance document not required at time of subject transaction, finding resolved. |
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| 953554625 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved |
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| 688400673 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Borrower Identification - Borrower 1-Borrower 1 identification not provided.-Resolved--Retention of ID copies was not a XXXXXX requirement until XX/XXXX. Identity validation was outsourced to and performed by the closing notary. All files in question contain the executed, notarized documents necessary to validate the transaction. Finding resolved Missing Condo Questionnaire- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. -Resolved--Lender provided clarification on Condo Questionnaire document not required at time of subject transaction, finding resolved. Hazard Insurance Policy is Missing-Hazard Insurance policy is missing.-Resolved-- |
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| 156335559 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file. Missing Applicant(s) Acknowledgement of Acceptance-Resolved--Lender provided executed document, finding resolved | |||
| 585435738 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | Missing Documentation 1-Funding package did not include the Notice and Acknowledgement Regarding Spouses, Partners and Co-Occupants, finding maintained. Notice and Acknowledgement Regarding Spouses, Partners and Co-Occupants-Resolved--Lender provided executed documentation, finding resolved. Missing Closing Instructions-Missing Closing Instructions-Resolved--Lender provided funding documentation, finding resolved Hazard Insurance Policy is Missing-missing document-Resolved--Lender provided clarification on Homeowners Insurance document not required at time of subject transaction, finding resolved. |
Missing Important Information Notice and Total Cost Estimate-The Important Information Notice and Total Cost Estimate is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Conditions Of Offer-The Conditions Of Offer is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Applicant(s) Acknowledgement of Acceptance-The Applicant(s) Acknowledgement of Acceptance is missing from the file.-Resolved--Lender provided executed document, finding resolved Missing Offered HomeOwner Agreement Terms-The Offered HomeOwner Agreement Terms is missing from the file. The Offered Homeowner Agreement Terms is missing from the file.-Resolved--Lender provided missing documentation, finding resolved. Missing Homeowner Covenant Agreement-The Homeowner Covenant Agreement is missing from the file.-Resolved--Lender provided missing documentation, finding resolved. Missing Homeowner Option Agreement-The Homeowner Option Agreement is missing from the file.-Resolved--Lender provided missing documentation, finding resolved |