Exhibit 99.03 Schedule 1

 

Loan ID Customer Loan ID Seller Loan ID Note Date Original Loan Amount Last Name Property State Occupancy Purpose Originator QM Status TPR QM Status Exception ID Exception Number Exception Date Exception Type Exception Subcategory Exception Exception Remedy Rebuttal TPR Response Compensating Factors Status Update Date Finding Status Initial Exception Grade Final Exception Grade Initial Loan Grade Final Loan Grade
6000103205   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-13 15:28 Cleared 1 1 1 1
6000103205   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-14 18:24 Cleared 1 1 1 1
6000103205   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-15 17:01 Cleared 1 1 1 1
6000103207   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 01:28 Cleared 1 1 1 1
6000103207   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-11 19:03 Cleared 1 1 1 1
6000103207   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 16:59 Cleared 1 1 1 1
6000103208   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 22:58 Cleared 1 1 3 1
6000103208   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Credit Documentation - Letter of Explanation The loan file did not contain a letter of explanation as required. For properties located in Texas, a Texas Attorney Opinion Letter is required. This documentation is missing from the loan file. 



  Document Uploaded. Please see attached Executed TX AOL. - xxxxxx
 Document Uploaded. Please see attached xxxxxx Attorney Opinion Letter in the file. - xxxxxx
 Texas Attorney Opinion Letter was provided.  Condition resolved. - xxxxxx
Condition upheld.  Provide the executed xxxxxx Attorney Opinion Letter , or evidence of when Borrower received it. - xxxxxx
   2025-12-23 17:25 Resolved 3 1 3 1
6000103208   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-13 23:28 Cleared 1 1 3 1
6000103209   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 15:53 Cleared 1 1 1 1
6000103209   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-07 18:42 Cleared 1 1 1 1
6000103209   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 16:18 Cleared 1 1 1 1
6000103210   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 20:36 Cleared 1 1 3 1
6000103210   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 18:46 Cleared 1 1 3 1
6000103210   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Missing Attorney Preference Letter Right To Choose Attorney or Attorney Preference not in file. GA Borrower Right to Select Attorney disclosure is missing from the file



  Document Uploaded. Reuploaded Initial Disclosures  - xxxxxx

 Received disclosure - xxxxxx
   2025-12-16 18:22 Resolved 3 1 3 1
6000103211   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 21:25 Cleared 1 1 1 1
6000103211   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-08 21:26 Cleared 1 1 1 1
6000103211   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-08 21:33 Cleared 1 1 1 1
6000103212   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Income - Income Documentation Missing The loan file did not contain the required income documentation. Missing income documentation to support the borrower's XXX Retirement Income for $xxxxxx per month. 

  Document Uploaded.  - xxxxxx

 xxxxxx 1099 from XXX Retirement was provided.  Condition resolved. - xxxxxx
   2025-12-17 22:16 Resolved 3 1 3 1
6000103212   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 04:03 Cleared 1 1 3 1
6000103212   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Other Compliance Finding Date Discrepancy. 
There are documents with two different closing dates however, all the information on the documents match (loan number, address, borrowers, MIN #)  The two different dates are xxxxxx and xxxxxx.
  Per xxxxx xxxxx HELOC closing manager, this loan had a redraw of the documents. This is not considered a defect, please review and clear. - xxxxxx
 Confirmed docs were re=drawn and actual closing/notary date is xxxxxx - xxxxxx

   2025-12-22 15:55 Resolved 3 1 3 1
6000103213   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-12 22:10 Cleared 1 1 1 1
6000103213   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-15 16:45 Cleared 1 1 1 1
6000103213   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-15 16:45 Cleared 1 1 1 1
6000103214   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 21:26 Cleared 1 1 3 1
6000103214   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-08 21:28 Cleared 1 1 3 1
6000103214   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Missing Tangible Net Benefit Disclosure MD Tangible Net Benefit disclosure is missing from the file

  Document Uploaded. Please see attached  - xxxxxx

 Document Uploaded. Disclosures - xxxxxx

 Disclosure not required for HELOC - xxxxxx

Did not locate MD Tangible Net Benefit disclosure - xxxxxx

   2025-12-17 19:22 Resolved 3 1 3 1
6000103215   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-23 17:41 Cleared 1 1 1 1
6000103215   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 17:39 Cleared 1 1 1 1
6000103215   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 18:11 Cleared 1 1 1 1
6000103216   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-15 17:27 Cleared 1 1 3 1
6000103216   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Collateral Protection Notice is Missing Collateral Protection notice is missing. TX Collateral Protection Insurance disclosure is missing from the file



  Document Uploaded. copy of the collateral protection  - xxxxxx

 Received notice - xxxxxx

   2025-12-16 17:55 Resolved 3 1 3 1
6000103216   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value with lender representative's signature & title is missing from the file



  Document Uploaded. copy of the fair market  - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

   2025-12-16 22:57 Resolved 3 1 3 1
6000103217   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. no credit exceptions made



 

    2025-12-10 01:09 Cleared 1 1 1 1
6000103217   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines. no property exceptions made 



 

    2025-12-10 01:10 Cleared 1 1 1 1
6000103217   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-10 21:30 Cleared 1 1 1 1
6000103218   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 23:54 Cleared 1 1 3 1
6000103218   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-09 19:17 Cleared 1 1 3 1
6000103218   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value does not reflect lender representative's title



  Document Uploaded. Please see attached. - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property disclosure was provided.  Condition resolved. - xxxxxx

   2025-12-17 18:32 Resolved 3 1 3 1
6000103219   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 17:37 Cleared 1 1 1 1
6000103219   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-09 16:37 Cleared 1 1 1 1
6000103219   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-15 16:07 Cleared 1 1 1 1
6000103220   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 19:46 Cleared 1 1 1 1
6000103220   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-12 20:35 Cleared 1 1 1 1
6000103220   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 20:35 Cleared 1 1 1 1
6000103221   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-15 17:40 Cleared 1 1 1 1
6000103221   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

 

    2025-12-15 17:37 Cleared 1 1 1 1
6000103221   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-16 20:29 Cleared 1 1 1 1
6000103222   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-11 16:45 Cleared 1 1 3 1
6000103222   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Income - Social Security/Pension Social security and/or pension benefits were considered as effective income but sufficient supporting documentation was not found in the file. Missing documentation to support full SSI is non-taxable.  (Full SSI amount was grossed up 25% without documentation of actual non-taxable amount.     (FNMA B3-3.1-01)



  Document Uploaded.  - xxxxxx

 Document Uploaded.  - xxxxxx

 Tax Transcripts to allow the Gross up of SSI were provided.  Condition resolved. - xxxxxx

Condition upheld.  Per guidelines: If the lender opts to gross-up more than 15% of Social Security income, documentation to support that the additional income is nontaxable must be included in the loan file.  Provide supporting documentation (tax return/transcript). - xxxxxx

   2025-12-19 22:38 Resolved 3 1 3 1
6000103222   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-12 17:36 Cleared 1 1 3 1
6000103223   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 21:06 Cleared 1 1 1 1
6000103223   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-10 01:08 Cleared 1 1 1 1
6000103223   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 21:53 Cleared 1 1 1 1
6000103224   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Flood Certificate Missing Missing flood certificate.

  Document Uploaded. Please see attached flood cert. - xxxxxx

 Flood Cert showing subject is locate in Zone X was provided.  Condition resolved. - xxxxxx

Flood Certificate is fully present - xxxxxx

   2025-12-17 17:20 Resolved 4 1 4 1
6000103224   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 07:25 Cleared 1 1 4 1
6000103224   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-13 08:34 Cleared 1 1 4 1
6000103225   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-06 20:53 Cleared 1 1 3 1
6000103225   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

 

The loan meets all applicable compliance guidelines. - 12/29/2025

   2025-12-29 20:02 Cleared 1 1 3 1
6000103225   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

The loan meets all applicable credit guidelines. - 12/29/2025

   2025-12-29 20:02 Cleared 1 1 3 1
6000103226   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 21:47 Cleared 1 1 1 1
6000103226   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-10 01:50 Cleared 1 1 1 1
6000103226   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-11 20:11 Cleared 1 1 1 1
6000103227   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-08 22:15 Cleared 1 1 1 1
6000103227   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 22:15 Cleared 1 1 1 1
6000103227   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-08 22:15 Cleared 1 1 1 1
6000103228   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 17:35 Cleared 1 1 3 1
6000103228   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit DTI - Missing Debts/ DTI Exceeds Tolerance The DTI did not reflect all of the borrower's debts resulting in a DTI that exceeds allowable tolerances. Final DTI did not include HOA $xxxxxx monthly. DTI increase above 3% tolerance

  The HOA documentation provided by the borrower clearly shows $xxxxxx quarterly, not monthly.  xxxxxx*4/12= xxxxxx / month which is what was input into the application at time of final approval.  Please advise where you are seeing HOA dues are monthly.  - xxxxxx
 HOA of $xxxxxx is quarterly per statement in file.  Condition resolved. - xxxxxx
   2025-12-30 16:12 Resolved 3 1 3 1
6000103228   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-12 19:31 Cleared 1 1 3 1
6000103229   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. NO CREDIT EXCEPTIONS MADE



 

    2025-12-09 21:49 Cleared 1 1 2 2
6000103229   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-10 20:28 Cleared 1 1 2 2
6000103229   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property Appraisal - Miscellaneous The subject appraisal reflected issues. Exception in file allowing use of URAR dated xxxxxx that had been ordered by xxxxx xxxxx.

 

  Compensating factors of High FICO of 782 and low DTI of 34.89%. 2026-05-27 19:44 Void 2 1 2 2
6000103229   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xxxxxx Credit Collateral Underwriter Missing Collateral Underwriter missing.

 

Collateral Underwriter missing. Exception in file allowing use of URAR dated xxxxxxx that had been ordered by xxxxxx xxxxx. - 06/11/2026
 Compensating factors of High FICO of 782 and low DTI of 34.89%. 2026-06-11 14:28 Waived 2 2 2 2
6000103230   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit All Interested Parties Not Checked with Exclusionary Lists All interested parties not checked with exclusionary lists. Missing documentation that all interested parties checked with exclusionary lists.



  Document Uploaded. Please see attached. - xxxxxx

 OFAC and Exclusionary Lists check were provided.  Condition resolved. - xxxxxx

All Interested Parties Checked against Exclusionary Lists - xxxxxx

   2025-12-17 18:30 Resolved 3 1 3 1
6000103230   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit OFAC Check Not Completed and/or Cleared OFAC check not completed and/or cleared. Missing OFAC check.



  Document Uploaded. Please see attached. - xxxxxx

 OFAC and Exclusionary Lists check were provided.  Condition resolved. - xxxxxx

OFAC Check Completed and Cleared - xxxxxx

   2025-12-17 18:30 Resolved 3 1 3 1
6000103230   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 00:37 Cleared 1 1 3 1
6000103230   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-10 01:37 Cleared 1 1 3 1
6000103231   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Income 3 Months Income Verified is Missing Income 3 months income verified is missing. The loan file does not include the source documents for the borrower's Schedule C business. Income figures were entered for xxxxx and there is no personal return for xxxxxx in the file. There is a xxxxxx return, but it does not include a Schedule C (underwriter's note on loan approval states there was none in xxxxxx).

  Document Uploaded.  - xxxxxx

 xxxxxx Business and Personal Tax Returns were provided. Condition resolved. - xxxxxx
Income 3 Months Income Verified is Present Or Not Applicable - xxxxxx
   2026-05-21 23:27 Resolved 3 1 3 1
6000103231   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Borrower 1 Business Tax Returns Less Than 24 Months Provided Borrower 1 business tax returns less than 24 months provided in the file. Corporate income for both LLCs was calculated using figures from 2023 and 2024; however, there are no corporate returns in the file for either business for 2024.



  Document Uploaded.  - xxxxxx

 xxxxxx Business Tax Returns provided.  Condition resolved. - xxxxxx
Borrower 1 business tax returns less than 24 months provided condition resolved - xxxxxx
   2026-05-21 23:27 Resolved 3 1 3 1
6000103231   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Credit Documentation - Undisclosed Liabilities An undisclosed liability was found on the updated credit report that was not located on the original credit report. There are Loan Estimates in the file for two additional properties the borrower may have been in the process of purchasing at the time the subject loan was originated. These properties are at xxxxxx. and xxxxxx. (two separate loan numbers) in xxxxxx, but the properties are not listed on the REO Schedule and payments for any mortgage obligations on these properties were not included on the loan approval. Please provide the status of both of these purchases.

  Document Uploaded.  - xxxxxx

 Document Uploaded.  - xxxxxx

 1st payment letter and Estimated CD were provided to show full PITIA.  Condition resolved. - xxxxxx

Condition upheld.  While the 1st payment letter and Note were provided for the two undisclosed REO's, please provide evidence of Taxes, HOI, and HOA (if applicable) as well as any Lease Agreement and/or 1007 associated with both properties. - xxxxxx

   2026-01-04 16:02 Resolved 3 1 3 1
6000103231   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-11 20:48 Cleared 1 1 3 1
6000103231   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-11 23:55 Cleared 1 1 3 1
6000103231   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Missing Application Provide corrected 1003 to include the undisclosed REO's.

  The HELOC loan application (1003) does not have a section to disclose REO's. Please advise.  - xxxxxx

 The HELOC loan application (1003) does not have a section to disclose REO's - xxxxxx

   2025-12-30 19:15 Resolved 3 1 3 1
6000103232   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines. Heloc Loan



 

    2025-12-09 15:48 Cleared 1 1 3 1
6000103232   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Collateral Protection Notice is Missing Collateral Protection notice is missing. TX Collateral Protection Insurance disclosure is missing from the file



  Document Uploaded. copyo the collateral protection Insurance  - xxxxxx

 Received notice - xxxxxx

   2025-12-16 17:57 Resolved 3 1 3 1
6000103232   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria.

  TX Affidavit of Fair Market Value is missing from the file; likely does not reflect the required title of the lending representative acting as an authorized signor - xxxxxx

 

Document Uploaded. copy of the fair market  - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

   2025-12-16 22:58 Resolved 3 1 3 1
6000103232   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Other Compliance Finding Executed TX Designation of Homestead Affidavit is missing from the file

  Document Uploaded. copy of the Designation for homestead affidavit  - xxxxxx

 Received affidavit - xxxxxx

   2025-12-16 17:56 Resolved 3 1 3 1
6000103233   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 00:02 Cleared 1 1 3 1
6000103233   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-12 19:00 Cleared 1 1 3 1
6000103233   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. The TX Fair Market Affidavit doesn't reflect the lending representative's title



  Document Uploaded. Please see attached Fair Market Value Homestead doc. - xxxxxx

 Please see attached copy of Texas docs. - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

Condition upheld.  The TX Affidavit of Fair Market Value of Homestead Property disclosure was not provided.  - xxxxxx

   2025-12-19 16:28 Resolved 3 1 3 1
6000103234   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 04:57 Cleared 1 1 1 1
6000103234   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 04:58 Cleared 1 1 1 1
6000103234   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-10 04:58 Cleared 1 1 1 1
6000103235   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-06 18:11 Cleared 1 1 3 1
6000103235   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-06 18:11 Cleared 1 1 3 1
6000103235   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Missing Attorney Preference Letter Right To Choose Attorney or Attorney Preference not in file. NC Borrower Right to Select Attorney disclosure is missing form the file



  Please re-review.  Is this required for this HELOC loan? - xxxxxx

 Confirmed is not a madatory form for an open ended mortgage - xxxxxx

   2025-12-17 17:28 Resolved 3 1 3 1
6000103236   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Initial HELOC Disclosure was not provided within the required number of days (Creditor) Subject Loan is a HELOC but the Initial HELOC Disclosure was not provided within the required number of days from the Application Date (Initial 1003 issued by Creditor)

  Document Uploaded. Disclosures - xxxxxx

 Received HELOC disclosure - xxxxxx

   2025-12-16 18:18 Resolved 3 1 3 1
6000103236   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 20:35 Cleared 1 1 3 1
6000103236   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 20:40 Cleared 1 1 3 1
6000103237   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 17:26 Cleared 1 1 1 1
6000103237   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 17:26 Cleared 1 1 1 1
6000103237   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-14 18:25 Cleared 1 1 1 1
6000103238   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 20:28 Cleared 1 1 1 1
6000103238   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-10 00:05 Cleared 1 1 1 1
6000103238   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 00:38 Cleared 1 1 1 1
6000103239   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 22:16 Cleared 1 1 1 1
6000103239   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 19:33 Cleared 1 1 1 1
6000103239   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-12 23:13 Cleared 1 1 1 1
6000103240   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-07 21:29 Cleared 1 1 1 1
6000103240   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 16:25 Cleared 1 1 1 1
6000103240   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 19:01 Cleared 1 1 1 1
6000103241   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Credit Documentation - Letter of Explanation The loan file did not contain a letter of explanation as required. During audit review, we identified a DTI variance of 0.175% between the underwriter’s calculation and the reviewed calculation. A xxxxxx Card account with a $xxxxxx/month payment was excluded from the original debt calculation in error.
To ensure compliance and clarify the discrepancy, please provide a Letter of Explanation (LOE) detailing why this debt was omitted from the underwriting calculation.

  Document Uploaded. xxxx paid in full - xxxxxx
 Evidence account was paid in full was provided.  Condition resolved. - xxxxxx

   2025-12-17 17:11 Resolved 3 1 3 1
6000103241   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-11 07:58 Cleared 1 1 3 1
6000103241   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-11 07:58 Cleared 1 1 3 1
6000103241   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value doe snot reflect the lender representative's title as an authorized signor



  Document Uploaded. TX Disclosures  - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

   2025-12-17 17:06 Resolved 3 1 3 1
6000103242   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-07 02:20 Cleared 1 1 1 1
6000103242   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 18:31 Cleared 1 1 1 1
6000103242   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 16:17 Cleared 1 1 1 1
6000103243   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Maturity Date is not the first of the month Maturity date is not the first day of the month.

 

Maturity Date is the first day of the month - 05/20/2026

   2026-05-21 21:58 Resolved 1 1 3 1
6000103243   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Balloon Rider is Missing The file is missing the Balloon Rider.

 

The Balloon Rider is Present - 05/20/2026

   2026-05-20 13:07 Resolved 1 1 3 1
6000103243   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Audited DTI Exceeds Guideline DTI Audited DTI exceeds guideline DTI.

 

Audited DTI of 36.21% is less than or equal to Guideline DTI of 50% - 05/20/2026

   2026-05-20 13:04 Resolved 1 1 3 1
6000103243   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-07 17:11 Cleared 1 1 3 1
6000103243   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-10 00:23 Cleared 1 1 3 1
6000103243   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value doesn't reflect Lender Representative's title 



 

Per client. No specific requirement on the signature line - 12/18/2025

   2025-12-18 01:38 Resolved 3 1 3 1
6000103244   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Borrower 2 Credit Report is Expired Borrower 2 Credit Report is Expired (Greater than 120 days from the Closing Date).

  Document Uploaded. Credit Report - xxxxxx

 LM Glitch.  Credit Report is not 120+ days old.  It is datedxxxxxx. 19 days out. - xxxxxx

   2025-12-17 15:54 Resolved 3 1 3 1
6000103244   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Hazard Insurance Expiration Date is before the Note Date Hazard insurance expiration date is prior to or equal to the Note date.

  Document Uploaded. attached - xxxxxx

 Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - xxxxxx
LM issue.  HOI is effectivexxxxxx toxxxxxx. Note date is xxxxxx.  Subject transaction is Primary Refinance.  - xxxxxx
   2025-12-17 21:44 Resolved 3 1 3 1
6000103244   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-23 17:41 Cleared 1 1 3 1
6000103244   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 20:20 Cleared 1 1 3 1
6000103245   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Missing Loan Term Sheet The loan file either does not contain the Loan Term Sheet or other issues were noted. Unable to locate the final loan approval. Please provide the final loan approval. 



  Document Uploaded. Please see attached approval. - xxxxxx

 Term Sheet was provided.  Condition resolved. - xxxxxx

   2025-12-17 18:14 Resolved 3 1 3 1
6000103245   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Missing evidence Mortgage/Deed of Trust will be recorded Missing evidence of Mortgage recording.

  Document Uploaded. Please see attached recorded DOT. - xxxxxx

 Received recorded DOT - xxxxxx

   2025-12-16 18:30 Resolved 3 1 3 1
6000103245   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 17:17 Cleared 1 1 3 1
6000103246   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 21:57 Cleared 1 1 3 1
6000103246   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 17:39 Cleared 1 1 3 1
6000103246   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. Lender representative's title was not provided in the affidavit



  Document Uploaded. Fair Market Value Disclosure  - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

   2025-12-17 17:27 Resolved 3 1 3 1
6000103247   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-08 12:42 Cleared 1 1 1 1
6000103247   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 21:09 Cleared 1 1 1 1
6000103247   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 21:10 Cleared 1 1 1 1
6000103248   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit OFAC Check Not Completed and/or Cleared OFAC check not completed and/or cleared.

  Document Uploaded. here is the OFAC search - xxxxxx

 OFAC check provided.  Condition resolved. - xxxxxx

OFAC Check Completed and Cleared - xxxxxx

   2025-12-15 21:53 Resolved 3 1 3 1
6000103248   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 18:26 Cleared 1 1 3 1
6000103248   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-12 15:59 Cleared 1 1 3 1
6000103249   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines. NO PROEPRTY EXCEPTIONS MADE



 

    2025-12-11 03:50 Cleared 1 1 1 1
6000103249   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. NO CREDIT EXCEPTIONS MADE 



 

    2025-12-11 03:51 Cleared 1 1 1 1
6000103249   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-14 19:04 Cleared 1 1 1 1
6000103250   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-07 16:55 Cleared 1 1 3 1
6000103250   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. Affidavit is missing from the loan file.



  Document Uploaded. copy of fair market  - xxxxxx

  TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

   2025-12-16 14:15 Resolved 3 1 3 1
6000103250   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance TX 50(a)(6) Notice of Extension of Credit / 12 Day Letter Missing TX 50(a)(6) Notice of Extension of Credit / 12 Day Letter Missing Letter in the file is not signed, no evidence it was provided to the borrower 12 days prior to closing. 



  Document Uploaded. copy of TX Notice extension  - xxxxxx

 Received signed 12 day letter - xxxxxx

   2025-12-15 17:15 Resolved 3 1 3 1
6000103251   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-09 06:37 Cleared 1 1 1 1
6000103251   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 06:37 Cleared 1 1 1 1
6000103251   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 06:37 Cleared 1 1 1 1
6000103252   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-07 00:01 Cleared 1 1 1 1
6000103252   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 15:31 Cleared 1 1 1 1
6000103252   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 21:21 Cleared 1 1 1 1
6000103253   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-15 01:02 Cleared 1 1 3 1
6000103253   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value does not reflect lender representative's title as an authorized signor



  Document Uploaded. Please see attached. - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved.   - xxxxxx

   2025-12-17 18:56 Resolved 3 1 3 1
6000103253   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-15 16:39 Cleared 1 1 3 1
6000103254   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 18:44 Cleared 1 1 1 1
6000103254   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-11 19:21 Cleared 1 1 1 1
6000103254   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 18:44 Cleared 1 1 1 1
6000103255   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 21:05 Cleared 1 1 1 1
6000103255   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 20:32 Cleared 1 1 1 1
6000103255   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 20:32 Cleared 1 1 1 1
6000103256   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-15 19:17 Cleared 1 1 1 1
6000103256   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-07 19:39 Cleared 1 1 1 1
6000103256   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 21:15 Cleared 1 1 1 1
6000103257   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 23:46 Cleared 1 1 3 1
6000103257   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-10 22:19 Cleared 1 1 3 1
6000103257   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. The lender representative's title was not provided



  Document Uploaded. Please see attached. - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

   2025-12-17 18:49 Resolved 3 1 3 1
6000103258   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 21:00 Cleared 1 1 3 1
6000103258   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Borrower 1 Paystubs Missing Borrower 1 paystubs missing from the file. The loan file is missing most recent paystub for  the borrower's employer  xxxxxx good through xxxxxx based on originator calculator. The  borrower was qualified with various streams of income . The recent paystub is required to support the borrower is still receiving the income . The paystub and prior earnings  must support a min of the following income:  Base $xxxxxx , taxable fringe $ xxxxxx, accessorial pay $ xxxxxx, anniversary  bonus $ xxxxxx and band pay premium  $ xxxxxx. Total qualifying income used was $xxxxxx.  

  Document Uploaded. copy of paystubs  - xxxxxx

 Income Documentation provided.  Condition resolved. - xxxxxx

Borrower 1 paystubs provided - xxxxxx

   2025-12-17 15:23 Resolved 3 1 3 1
6000103258   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Borrower 2 Award Letter Missing Borrower 2 Award Letter missing.. The loan file is missing SS  documentation  for the co borrower supporting  monthly amt of at least  xxxxxx grossed up = $xxxxxx

  Document Uploaded. copy of award and SS - xxxxxx

 Income Documentation provided.  Condition resolved. - xxxxxx

Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - xxxxxx

   2025-12-17 15:23 Resolved 3 1 3 1
6000103258   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Borrower 1 Award Letter Missing Borrower 1 Award Letter missing from the file. The loan file is missing SS  documentation  for the borrower supporting  monthly amt of at least  $ xxxxxx grossed up = $ xxxxxx .

  Document Uploaded. copy of award and SS  - xxxxxx

 Income Documentation provided.  Condition resolved. - xxxxxx

Borrower 1 Award Letter Provided - xxxxxx

   2025-12-17 15:23 Resolved 3 1 3 1
6000103258   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Income - Social Security/Pension Social security and/or pension benefits were considered as effective income but sufficient supporting documentation was not found in the file. The loan file is missing pension   documentation  for the coborrower supporting  monthly amt of at least  $xxxxxx. 

  Document Uploaded. copy of award and SS - xxxxxx

 Income Documentation provided.  Condition resolved. - xxxxxx

   2025-12-17 15:22 Resolved 3 1 3 1
6000103258   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-14 12:04 Cleared 1 1 3 1
6000103258   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Borrower 1 W2/1099 Missing Borrower 1 W2/1099 missing. W2's or WVOE are not in file



  Document Uploaded. copy of VOE and W2 - xxxxxx

 Income Documentation provided.  Condition resolved. - xxxxxx

Borrower 1 W2/1099 provided - xxxxxx

   2025-12-17 15:24 Resolved 3 1 3 1
6000103259   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-06 06:56 Cleared 1 1 3 1
6000103259   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-06 06:57 Cleared 1 1 3 1
6000103259   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Disclosure - Right of Rescission on Incorrect Form The loan file verified the Right of Rescission was issued on the incorrect form. The right to cancel is dated xxxxxx with a date to rescind ofxxxxxx (which is a Sunday).  

  Document Uploaded. xxxxxx. - xxxxxx
 Received confirmation of correct date. - xxxxxx

   2025-12-15 17:17 Resolved 3 1 3 1
6000103259   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. The lender representative's title is not provided.



  Document Uploaded. Please see attached. - xxxxxx

  TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

   2025-12-16 14:17 Resolved 3 1 3 1
6000103260   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 15:38 Cleared 1 1 1 1
6000103260   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 15:38 Cleared 1 1 1 1
6000103260   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-11 23:23 Cleared 1 1 1 1
6000103261   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-10 00:20 Cleared 1 1 1 1
6000103261   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-15 17:38 Cleared 1 1 1 1
6000103261   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-15 17:38 Cleared 1 1 1 1
6000103262   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Borrower 1 W2/1099 Less Than 24 Months Provided Borrower 1 W2/1099 less than 24 months provided. Missing xxxxxx W2

  Document Uploaded. Please see attached xxxxxx W2 in the file. - xxxxxx
 xxxxxx W2 was provided.  Condition resolved. - xxxxxx
Borrower 1 W2/1099 Less Than 24 or More Months Provided Condition Resolved - xxxxxx
   2025-12-17 22:09 Resolved 3 1 3 1
6000103262   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-11 15:55 Cleared 1 1 3 1
6000103262   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-12 17:37 Cleared 1 1 3 1
6000103262   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value does not reflect the lender representative's title as an authorized signor



  The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

 Document Uploaded. Please see attached TX Affidavit of Fair Market Value in the file. - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided. Condition resolved. - xxxxxx

The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

   2025-12-17 22:11 Resolved 3 1 3 1
6000103263   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-13 15:36 Cleared 1 1 3 1
6000103263   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-14 18:42 Cleared 1 1 3 1
6000103263   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value does not reflect the lender representative's title as an authorized signor



  Document Uploaded. Document was pg 43 of the investor package. Also attached for your records.   - xxxxxx

 Document Uploaded. TX Disclosures - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

Condition upheld.  The TX Affidavit of Fair Market Value of Homestead Property Disclosure was not provided. - xxxxxx

   2025-12-19 17:16 Resolved 3 1 3 1
6000103264   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-08 20:31 Cleared 1 1 1 1
6000103264   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 20:31 Cleared 1 1 1 1
6000103264   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 21:18 Cleared 1 1 1 1
6000103265   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines. Heloc Loan



 

    2025-12-11 17:32 Cleared 1 1 1 1
6000103265   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-11 17:32 Cleared 1 1 1 1
6000103265   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-12 18:17 Cleared 1 1 1 1
6000103266   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 18:19 Cleared 1 1 3 1
6000103266   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-15 15:47 Cleared 1 1 3 1
6000103266   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value does not reflect the lender representative's title as an authorized signor (pg 2 of the document is found in between other pages within this file)



  Document Uploaded. Fair Market Value Disclosure  - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

   2025-12-17 17:25 Resolved 3 1 3 1
6000103267   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Liabilities - Not Verified The application lists debts that were not verified on the credit report and not independently verified. The loan for the solar panels for the subject property reflects a monthly payment of $xxxxxx, with the loan to be re-amortized as of xxxxxx. The underwriter used a monthly payment amount of $xxxxxx for the loan. Please provide documentation supporting the current payment amount for the loan.

  Document Uploaded.  - xxxxxx

 Explanation from Lender UW provided.  Condition resolved. - xxxxxx

   2025-12-23 22:17 Resolved 3 1 3 1
6000103267   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-06 23:15 Cleared 1 1 3 1
6000103267   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 16:50 Cleared 1 1 3 1
6000103268   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-07 20:48 Cleared 1 1 1 1
6000103268   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 18:19 Cleared 1 1 1 1
6000103268   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 21:00 Cleared 1 1 1 1
6000103269   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 04:31 Cleared 1 1 1 1
6000103269   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-09 04:32 Cleared 1 1 1 1
6000103269   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 04:33 Cleared 1 1 1 1
6000103270   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-09 18:49 Cleared 1 1 1 1
6000103270   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 22:01 Cleared 1 1 1 1
6000103270   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 22:01 Cleared 1 1 1 1
6000103271   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-15 15:40 Cleared 1 1 3 1
6000103271   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-15 15:40 Cleared 1 1 3 1
6000103271   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

 

The loan meets all applicable compliance guidelines. - 12/30/2025

   2025-12-30 21:50 Cleared 1 1 3 1
6000103272   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 21:35 Cleared 1 1 3 1
6000103272   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-07 18:40 Cleared 1 1 3 1
6000103272   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value does not reflect lender representative's title as an authorized signor



 

Per client. No specific requirement on the signature line - 12/18/2025

   2025-12-18 01:40 Resolved 3 1 3 1
6000103273   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 20:42 Cleared 1 1 3 1
6000103273   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 20:42 Cleared 1 1 3 1
6000103273   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-11 18:40 Cleared 1 1 3 1
6000103273   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Missing or incomplete income documentation for 1 or 2 Year Full Doc Verified Doc Type is '2YR Full Doc' but provided income documentation for Borrower 1 Personal Tax Returns, Business Tax Returns, or W2/1099 is not '2 YRS', or insufficient verified Paystubs were provided. Loan is a 1YR Full Doc or 2YR Full Doc.  Missing minimum years W2s, tax returns, or 1099s and/or 1 month paystubs.

 

Not valid - 06/02/2026

   2026-06-02 18:30 Void 3 1 3 1
6000103274   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 07:41 Cleared 1 1 1 1
6000103274   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-08 13:27 Cleared 1 1 1 1
6000103274   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 18:51 Cleared 1 1 1 1
6000103275   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-10 20:46 Cleared 1 1 3 1
6000103275   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value doe snot reflect lender representative's title as an authorized signor



  Document Uploaded. Fair Market value disclosure signed by borrower was already provided in the original upload which is acknowledged below by 1st Tenant User response.  Provided again.   Please advise why form is not being accepted.  thanks - xxxxxx
 Please escalate to xxxxx xxxxx or xxxxx xxxxx.
Texas law requires that the Acknowledgment of Fair Market Value be signed by the homestead owner and the lender, and expressly permits execution by an authorized agent on the lender’s behalf. These requirements do not prescribe signature-block formatting or require the lender’s name, the agent’s title, or a statement of authority to appear in the signature line itself. - xxxxxx
 signature line does not have a space for or require a title to be included.  form only requires signature which was provided.  please provide documentation to show title is required - xxxxxx
 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

Please provide the disclosure signed by the borrower or evidence Borrower received it.  That is all. - xxxxxx

Condition upheld.  Provided the TX Affidavit of Fair Market Value of Homestead Property signed by the Borrower. - xxxxxx

   2025-12-30 16:16 Resolved 3 1 3 1
6000103275   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property Appraisal - Other There are additional appraisal findings. The loan was approved with a value of $xxxxxx, but the AVM in file reflects a value of xxxxxx. Using the value of $xxxxxx, the LTV/CLTV is xxxxxx/xxxxxx instead of xxxxxx/xxxxxx. Please provide the valuation product showing a value of xxxxxx.
 

   Document Uploaded. loan summary uploaded with correct value - xxxxxx
 upon review of uploaded documents, no additional AVM or document to show an additional  value was found in uploaded documents, only AVM showing value of $xxxxxx.  please advise where in documents uploaded was another appraisal finding found. - xxxxxx
 Updated Loan Information Sheet provided to show value used is $xxxxxx.  Condition resolved. - xxxxxx
Document Uploaded. Uploaded Loan Information sheet shows Loan was approved and closed with an AVM value of $xxxxxx.  Please provide AVM or revised Loan Approval. - xxxxxx
   2025-12-28 18:03 Resolved 3 1 3 1
6000103276   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Hazard Insurance Policy is Missing Missing hazard insurance policy. Missing a legible copy of hazard insurance policy w/ declarations - only the invoice page w/ lender's is provided. 



  Document Uploaded. copy of Hazard  - xxxxxx

 HOI Policy was provided.  Condition resolved. - xxxxxx

Hazard Insurance Policy was provided. - xxxxxx

   2025-12-17 18:48 Resolved 3 1 3 1
6000103276   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-11 02:53 Cleared 1 1 3 1
6000103276   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-13 23:24 Cleared 1 1 3 1
6000103277   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Title Document Missing Title document is missing. Please provide title documentation 



  Document Uploaded. First Close Report reupload - xxxxxx

 Title Search in file.  Condition resolved. - xxxxxx

Title document is fully present - xxxxxx

   2025-12-17 17:44 Resolved 3 1 3 1
6000103277   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Hazard Insurance Coverage Amount is less than Required Coverage Amount Coverage Amount - Hazard insurance amount is less than required coverage amount. Hazard Insurance Coverage Amount of $xxxxxx is less than Total Amount of Subject Lien(s) of $xxxxxx

  Document Uploaded. RCE reupload - xxxxxx

 HOI Coverage is greater than RCE provided.  Condition resolved. - xxxxxx
Coverage Amount - Hazard Insurance of $xxxxxx is equal to or greater than Required Coverage Amount of $xxxxxxx - xxxxxx
   2025-12-17 17:50 Resolved 3 1 3 1
6000103277   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines. No property exceptions 



 

    2025-12-12 15:17 Cleared 1 1 3 1
6000103277   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-09 13:02 Cleared 1 1 3 1
6000103278   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 19:23 Cleared 1 1 3 1
6000103278   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value does not reflect the lender representative's title as an authorized signor



  Please re-review.  Page 2 of this document shows "Originating Lender" signed by xxxxx xxxxx. - xxxxxx
 Document Uploaded. Please see attached TX Affidavit of Fair Market Value in the file. - xxxxxx
 TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

The finding is that the Originating Lender representative did not provide his Title to assure he is authorized to represent the Lending company.   - xxxxxx

   2025-12-23 15:29 Resolved 3 1 3 1
6000103279   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 17:53 Cleared 1 1 3 1
6000103279   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Collateral Protection Notice is Missing Collateral Protection notice is missing. Executed Collateral Protection Insurance Notice disclosure is missing from the file



  Document Uploaded. copy of collateral Protection   - xxxxxx

 Received notice - xxxxxx

   2025-12-16 18:12 Resolved 3 1 3 1
6000103279   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value disclosure is missing and also will likely not reflect lender representative's title as an authorized signor as well, which is a separate finding



  Document Uploaded. copy of fair market  - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

   2025-12-16 22:58 Resolved 3 1 3 1
6000103280   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-14 19:06 Cleared 1 1 1 1
6000103280   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 15:10 Cleared 1 1 1 1
6000103280   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 15:11 Cleared 1 1 1 1
6000103281   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 15:30 Cleared 1 1 3 1
6000103281   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 21:51 Cleared 1 1 3 1
6000103282   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Borrower 2 - Missing or incomplete income documentation for 1 or 2 Year Full Doc Verified Doc Type is '2YR Full Doc' but provided income documentation for Borrower 2 Personal Tax Returns, Business Tax Returns, or W2/1099 is not '2 YRS', or insufficient verified Paystubs were provided. Loan is a 1YR Full Doc or 2YR Full Doc.  Missing minimum years W2s, tax returns, or 1099s and/or 1 month paystubs for Borrower 2.



  GAP letters are not required and not part of agency or LD HELOC guidelines.  Please review and waive. - xxxxxx

 Per UW guidelines there is no hard requirements for employment gap LOE's under 6 months. The borrower's gap was only 4.25 months. Please waive condition. - xxxxxx

 Clarification from seller sufficient. Finding resolved. - xxxxxx

Condition upheld.  Provide LOE from Borrower for the reason in GAP of Employment. - xxxxxx

   2025-12-31 17:07 Resolved 3 1 3 1
6000103282   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 03:24 Cleared 1 1 3 1
6000103282   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-10 03:24 Cleared 1 1 3 1
6000103283   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-09 04:21 Cleared 1 1 1 1
6000103283   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 17:30 Cleared 1 1 1 1
6000103284   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-05 05:40 Cleared 1 1 1 1
6000103284   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-05 05:40 Cleared 1 1 1 1
6000103284   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-07 18:41 Cleared 1 1 1 1
6000103286   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-07 19:41 Cleared 1 1 1 1
6000103286   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. no credit exceptions 



 

    2025-12-07 19:49 Cleared 1 1 1 1
6000103286   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines. no property exceptions 



 

    2025-12-07 19:50 Cleared 1 1 1 1
6000103287   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 16:08 Cleared 1 1 1 1
6000103287   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 16:08 Cleared 1 1 1 1
6000103287   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-11 17:35 Cleared 1 1 1 1
6000103288   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Initial HELOC Disclosure was not provided within the required number of days (Creditor) Subject Loan is a HELOC but the Initial HELOC Disclosure was not provided within the required number of days from the Application Date (Initial 1003 issued by Creditor)

 

    2025-12-11 18:54 Cleared 1 1 1 1
6000103288   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-11 18:35 Cleared 1 1 1 1
6000103289   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-06 12:31 Cleared 1 1 1 1
6000103289   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 21:42 Cleared 1 1 1 1
6000103289   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 21:43 Cleared 1 1 1 1
6000103290   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines. NO PROPERTY EXCEPTIONS 



 

    2025-12-11 02:11 Cleared 1 1 3 1
6000103290   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-11 17:15 Cleared 1 1 3 1
6000103290   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value does not reflect the lender representative's title as an authorized signor



  Document Uploaded. TX Disclosure  - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

   2025-12-17 17:24 Resolved 3 1 3 1
6000103291   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-11 16:52 Cleared 1 1 3 1
6000103291   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value does not reflect lender representative's title as authorized signor



  Document Uploaded.  - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided. Condition resolved. - xxxxxx

   2025-12-18 14:35 Resolved 3 1 3 1
6000103292   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 13:25 Cleared 1 1 1 1
6000103292   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-11 16:16 Cleared 1 1 1 1
6000103292   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-13 07:38 Cleared 1 1 1 1
6000103293   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit OFAC Check Not Completed and/or Cleared OFAC check not completed and/or cleared.

  Document Uploaded. Hello,

Per our UW - In regard to the OFAC reporting, per xxxxx xxxxxx, Director of HELOC Ops, the fraud report pulls everything but would only report if there was a hit. I have attached his response for confirmation.

Thank you, - xxxxxx
 Fraud Check provided.  Condition resolved. - xxxxxx

OFAC Check Completed and Cleared - xxxxxx

   2025-12-28 17:44 Resolved 3 1 3 1
6000103293   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Missing Tax Cert Please provide a copy of the tax certificate for the property at xxxxxx. or other documentation to support the annual property tax amount of $xxxxxx.
  Document Uploaded. Hello,

Please see taxDocs including xxxxxx address

Thank you, - xxxxxx
 Tax information was provided for xxxxxx. - xxxxxx
   2025-12-21 20:25 Resolved 3 1 3 1
6000103293   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 22:38 Cleared 1 1 3 1
6000103293   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Missing Tangible Net Benefit Disclosure MD Tangible Net Benefit Disclosure is missing from the file

  Document Uploaded. Hello,

Per UW - I do not see that is a requirement on a Heloc.  We require the MD Completed Tax Recordation Form and the MD State Tax Calculator. 

Thank you, - xxxxxx

 Concur: The tangible net benefit requirement applies specifically to mortgage loan refinances.  Stand alone HELOC is not refiancing an existing loan. - xxxxxx

   2025-12-29 14:08 Resolved 3 1 3 1
6000103294   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-09 09:25 Cleared 1 1 1 1
6000103294   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 09:25 Cleared 1 1 1 1
6000103294   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 09:25 Cleared 1 1 1 1
6000103295   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 17:33 Cleared 1 1 3 1
6000103295   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance TX 50(a)(6) Notice of Extension of Credit / 12 Day Letter Missing TX 50(a)(6) Notice of Extension of Credit / 12 Day Letter Missing Notice in the file is not signed by the borrower.  No evidence of receipt 12 days prior to close.



  Document Uploaded. See attached - xxxxxx

 Received signed 12 day letter - xxxxxx

   2025-12-19 15:12 Resolved 3 1 3 1
6000103295   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. The lender representative's title was not provided on the affidavit



  Please clear condition as this is not required per our management these should be cleared. - xxxxxx

   - xxxxxx

   2025-12-19 13:25 Resolved 3 1 3 1
6000103296   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-05 19:57 Cleared 1 1 3 1
6000103296   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-09 23:51 Cleared 1 1 3 1
6000103297   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit OFAC Check Not Completed and/or Cleared OFAC check not completed and/or cleared.

  Document Uploaded. Per UW - This is another file that xxxxxx Director of HE Ops advised that the fraud report runs all reports including OFAC and only shows up if there is a hit.

Thank you, - xxxxxx
 Fraud Check provided.  Condition cleared. - xxxxxx

OFAC Check Completed and Cleared - xxxxxx

   2025-12-28 17:41 Resolved 3 1 3 1
6000103297   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 20:11 Cleared 1 1 3 1
6000103297   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-10 16:15 Cleared 1 1 3 1
6000103298   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 13:10 Cleared 1 1 1 1
6000103298   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 20:32 Cleared 1 1 1 1
6000103298   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 19:26 Cleared 1 1 1 1
6000103299   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-08 23:13 Cleared 1 1 1 1
6000103299   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-10 22:52 Cleared 1 1 1 1
6000103300   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 17:51 Cleared 1 1 3 1
6000103300   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-11 23:59 Cleared 1 1 3 1
6000103300   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

The loan meets all applicable credit guidelines. - 12/29/2025

   2025-12-29 20:14 Cleared 1 1 3 1
6000103301   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines. Heloc Loan



 

    2025-12-12 00:29 Cleared 1 1 1 1
6000103301   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 00:30 Cleared 1 1 1 1
6000103301   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-13 22:57 Cleared 1 1 1 1
6000103302   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-06 12:42 Cleared 1 1 1 1
6000103302   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 21:34 Cleared 1 1 1 1
6000103302   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 21:34 Cleared 1 1 1 1
6000103303   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 22:11 Cleared 1 1 3 1
6000103303   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-12 21:13 Cleared 1 1 3 1
6000103303   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value does not reflect lender representative's title as an authorized signor



  See attached - xxxxxx

 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

   2025-12-18 14:38 Resolved 3 1 3 1
6000103304   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-11 14:37 Cleared 1 1 3 1
6000103304   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 18:42 Cleared 1 1 3 1
6000103305   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 17:30 Cleared 1 1 1 1
6000103305   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 17:31 Cleared 1 1 1 1
6000103305   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-12 22:56 Cleared 1 1 1 1
6000103306   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-04 20:42 Cleared 1 1 1 1
6000103306   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

 

    2025-12-05 22:24 Cleared 1 1 1 1
6000103306   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

The loan meets all applicable credit guidelines. - 12/10/2025

   2025-12-10 19:13 Cleared 1 1 1 1
6000103307   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 17:18 Cleared 1 1 1 1
6000103307   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-11 18:39 Cleared 1 1 1 1
6000103307   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-15 17:30 Cleared 1 1 1 1
6000103308   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Borrower 1 Personal Bank Statements Missing Borrower 1 personal bank statements missing. Per the FNMA Selling Guide Sec. B3-3.1-09, proof of current receipt of Social Security income is required. Please provide a bank statement documenting same.



  Document Uploaded.  - xxxxxx

 Statement showing SSI and Retirement deposits were provided.  Condition resolved. - xxxxxx

Borrower 1 Personal Bank Statements Provided - xxxxxx

   2025-12-19 22:52 Resolved 3 1 3 1
6000103308   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit OFAC Check Not Completed and/or Cleared OFAC check not completed and/or cleared.

  Document Uploaded.  - xxxxxx

 OFAC check was provided.  Condition resolved. - xxxxxx

OFAC Check Completed and Cleared - xxxxxx

   2025-12-23 15:10 Resolved 3 1 3 1
6000103308   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-11 00:25 Cleared 1 1 3 1
6000103308   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-11 19:27 Cleared 1 1 3 1
6000103309   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 22:35 Cleared 1 1 3 1
6000103309   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines. Heloc loan



 

    2025-12-09 22:36 Cleared 1 1 3 1
6000103309   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Initial HELOC Disclosure was not provided within the required number of days (Creditor) Subject Loan is a HELOC but the Initial HELOC Disclosure was not provided within the required number of days from the Application Date (Initial 1003 issued by Creditor)

  Document Uploaded.  - xxxxxx

 Received evidence of disclosures - xxxxxx

   2025-12-17 18:11 Resolved 3 1 3 1
6000103310   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 05:53 Cleared 1 1 1 1
6000103310   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 05:53 Cleared 1 1 1 1
6000103310   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-10 05:53 Cleared 1 1 1 1
6000103312   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Term and Amortization Term do not match Loan term and amortization term do not match.

 

Loan Term and Amortization Term match - 12/16/2025

   2025-12-16 17:37 Resolved 3 1 3 1
6000103312   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-05 23:02 Cleared 1 1 3 1
6000103312   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-11 18:10 Cleared 1 1 3 1
6000103313   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 03:34 Cleared 1 1 1 1
6000103313   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-09 18:46 Cleared 1 1 1 1
6000103314   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-05 21:45 Cleared 1 1 1 1
6000103314   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-05 21:47 Cleared 1 1 1 1
6000103314   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 15:02 Cleared 1 1 1 1
6000103315   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-11 02:37 Cleared 1 1 3 1
6000103315   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-09 20:42 Cleared 1 1 3 1
6000103316   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Missing Mortgage Missing previous mortgage statement/deed.

  Document Uploaded.  - xxxxxx

 Received documentation - xxxxxx

   2025-12-22 16:07 Resolved 4 1 4 1
6000103316   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 20:52 Cleared 1 1 4 1
6000103316   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 17:15 Cleared 1 1 4 1
6000103317   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 16:07 Cleared 1 1 1 1
6000103317   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 20:00 Cleared 1 1 1 1
6000103317   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 19:04 Cleared 1 1 1 1
6000103318   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance The Final 1003 is Missing The final 1003 is missing.

  Document Uploaded.  - xxxxxx

 The final 1003 has been provided. - xxxxxx

Received signed final 1003 - xxxxxx

   2026-05-22 17:54 Resolved 3 1 3 1
6000103318   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance The Initial 1003 is Missing The Initial 1003 is missing.

  Document Uploaded.  - xxxxxx

 The Initial 1003 is present. - xxxxxx

Received initial 1003 - xxxxxx

   2026-05-22 17:54 Resolved 3 1 3 1
6000103318   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines. no property exceptions made 



 

    2025-12-09 02:22 Cleared 1 1 3 1
6000103318   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-09 14:32 Cleared 1 1 3 1
6000103319   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-06 20:39 Cleared 1 1 1 1
6000103319   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-08 18:16 Cleared 1 1 1 1
6000103319   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 21:53 Cleared 1 1 1 1
6000103320   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Hazard Insurance Effective Date is after the Disbursement Date Hazard insurance effective date is after the disbursement date. Previous policy expires xxxxxx and new policy begins xxxxxx. Property will be covered until hazard effective date.



  Document Uploaded. Please see policies that cover xxxxxx - xxxxxx. No lapse in coverage. Thank you - xxxxxx

 Previous Policy was from xxxxxx to xxxxxx and new Policy was from xxxxxx to xxxxxx.  Continuous coverage on subject property was provided.  Condition resolved. - xxxxxx
Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or the Date(s) Are Not Provided - xxxxxx
   2025-12-19 21:43 Resolved 3 1 3 1
6000103320   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-11 01:44 Cleared 1 1 3 1
6000103320   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-11 01:45 Cleared 1 1 3 1
6000103320   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. TX Affidavit of Fair Market Value does not reflect lender representative's title as an authorized signor



  Document Uploaded.  - xxxxxx
 Please escalate to xxxxxx or xxxxxx.
Texas law requires that the Acknowledgment of Fair Market Value be signed by the homestead owner and the lender, and expressly permits execution by an authorized agent on the lender’s behalf. These requirements do not prescribe signature-block formatting or require the lender’s name, the agent’s title, or a statement of authority to appear in the signature line itself. - xxxxxx
 The TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

Please provide the disclosure signed by the Borrower or evidence the Borrower received it.  That is all.   - xxxxxx

   2025-12-30 20:04 Resolved 3 1 3 1
6000103321   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Subject Property Address on Note does not match Insured Property Address Subject property on Note does not match insured property address. Subject property address on insurance declaration is xxxxxx, which matches the borrower's ID and the mortgage statement.

  Document Uploaded. Please see attached.  - xxxxxx

 resolved - xxxxxx

Lender Acknowledged with the following:  Please see the attached revised Note and Deed of Trust, which have been sent for re-execution. Once completed, we will submit them for re-recording to correct the property address.   Copy of corrected unsigned HOME EQUITY LINE OF CREDIT AGREEMENTAND DISCLOSURE STATEMENT was provided.  - xxxxxx

   2026-05-21 23:52 Resolved 3 1 3 1
6000103321   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-12 19:43 Cleared 1 1 3 1
6000103321   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property Property address on appraisal does not match executed note The AVM lists the Subject Property Address as xxxxxx, while the various HELOC-related documents in the loan package show the address as xxxxxx. There is a spelling discrepancy in the city name between these sources. Please confirm the accurate spelling of the city and provide the correct documentation reflecting the accurate property address.
  Document Uploaded. Please see attached.  - xxxxxx

 Lender Acknowledged with the following: Please see the attached revised Note and Deed of Trust, which have been sent for re-execution. Once completed, we will submit them for re-recording to correct the property address. Copy of corrected unsigned HOME EQUITY LINE OF CREDIT AGREEMENTAND DISCLOSURE STATEMENT was provided. - xxxxxx

Lender Acknowledged with the following:  Please see the attached revised Note and Deed of Trust, which have been sent for re-execution. Once completed, we will submit them for re-recording to correct the property address.   Copy of corrected unsigned HOME EQUITY LINE OF CREDIT AGREEMENTAND DISCLOSURE STATEMENT was provided.  - xxxxxx

   2026-05-21 15:37 Resolved 3 1 3 1
6000103322   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-06 02:10 Cleared 1 1 3 1
6000103322   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 19:05 Cleared 1 1 3 1
6000103322   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

 

The loan meets all applicable compliance guidelines. - 12/31/2025

   2025-12-31 17:09 Cleared 1 1 3 1
6000103323   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-06 19:03 Cleared 1 1 1 1
6000103323   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 23:23 Cleared 1 1 1 1
6000103323   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 21:55 Cleared 1 1 1 1
6000103324   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-05 21:54 Cleared 1 1 3 1
6000103324   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-08 23:05 Cleared 1 1 3 1
6000103324   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. The Lender Representative's title was not provided on the executed disclosure



  yes, it is required, but the Lender Representative's title is not required. - xxxxxx

 Document Uploaded. It was included, please see pages 52-53 of investor package. I also attached a copy for your review. - xxxxxx

 Per my manager, these are to be cleared as this is not a requirement. - xxxxxx

 TX Affidavit of Fair Market Value of Homestead Property was provided.  Condition resolved. - xxxxxx

Condition upheld.  Per Texas Law:  The Texas Affidavit of Fair Market Value (FMV) is required for all Texas home equity loans (including 2nd liens/HELOCs) under Article XVI, Section 50(a)(6) of the Texas Constitution. - xxxxxx

   2025-12-22 14:50 Resolved 3 1 3 1
6000103325   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-11 21:21 Cleared 1 1 3 1
6000103325   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. The lender representative did not provide his title of the signed Acknowledgement of Fair Market Value



 

Per client. No specific requirement on the signature line - 12/18/2025

   2025-12-18 01:39 Resolved 3 1 3 1
6000103325   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-11 20:47 Cleared 1 1 3 1
6000103326   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 19:29 Cleared 1 1 3 1
6000103326   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-06 02:04 Cleared 1 1 3 1
6000103326   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Missing Attorney Preference Letter Right To Choose Attorney or Attorney Preference not in file. NC Right to Choose/Select Attorney disclosure is missing from the file



  Document Uploaded. The Closing Attorney Affidavit is not required for a Heloc file per title. - xxxxxx

 Concur, a specific "Right to Choose Attorney" (RTC) disclosure isn't mandated for HELOCs in North Carolina like it is for standard mortgages.   - xxxxxx

   2025-12-29 17:17 Resolved 3 1 3 1
6000103327   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-12 22:33 Cleared 1 1 3 1
6000103327   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 17:52 Cleared 1 1 3 1
6000103327   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 17:52 Cleared 1 1 3 1
6000103327   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Missing or incomplete income documentation for 1 or 2 Year Full Doc Verified Doc Type is '2YR Full Doc' but provided income documentation for Borrower 1 Personal Tax Returns, Business Tax Returns, or W2/1099 is not '2 YRS', or insufficient verified Paystubs were provided. Loan is a 1YR Full Doc or 2YR Full Doc.  Missing minimum years W2s, tax returns, or 1099s and/or 1 month paystubs.

 

Not required - 06/02/2026

   2026-06-02 18:30 Void 3 1 3 1
6000103328   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance PUD Rider is Missing PUD Rider is missing. Possible executed PUD Rider missing; previously recorded mortgage/DOT docs in file, including a previously executed PUD Rider from xxxxxx, suggests that property is located in a PUD and a rider should have been executed with the current HELOC

  Document Uploaded. Please see attached.  - xxxxxx

 Lender provided a corrected complete DOT (unsigned/recorded) with the following:  To Whom It May Concern: This letter serves as confirmation of our intent to re-record the Deed of Trust and PUD Rider. This was originally recorded without the PUD Rider. Property address: xxxxxx  - xxxxxx
   2026-01-04 18:24 Acknowledged 3 1 3 1
6000103329   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-07 00:38 Cleared 1 1 1 1
6000103329   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-07 00:39 Cleared 1 1 1 1
6000103329   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-07 00:39 Cleared 1 1 1 1
6000103330   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Liabilities - Excluded Debts There was no explanation or support for the omission of one or more debts from the initial application. monthly liability debt does not match the loan summary 



  Can you please provide more details for what is missing?
Which omissions of which debts?
Monthly liability of what you are adding up or is there a document you are looking at?
 - xxxxxx

 Condition set in error. - xxxxxx

   2025-12-23 17:21 Void 3   3 1
6000103330   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

 

    2025-12-05 15:50 Cleared 1 1 3 1
6000103330   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Please provide documentation of the subject property Sr. Lien.  Notes reflect Freedom Mortgage, however documentation is not provided to support the history or the escrow amounts.

  Document Uploaded. Please see attached mortgage statement. - xxxxxx

 1st lien Mortgage Statement was provided.  Condition resolved. - xxxxxx

   2025-12-23 14:50 Resolved 3 1 3 1
6000103331   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-06 23:39 Cleared 1 1 3 1
6000103331   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-06 23:49 Cleared 1 1 3 1
6000103331   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Missing Attorney Preference Letter Right To Choose Attorney or Attorney Preference not in file. xxxxxx Notice of Right to Select Attorney disclosure is missing from the file

  Hello,

Per our UW manager - this form is not required on a Heloc loan

Thank you, - xxxxxx

 ATTORNEY PREFERENCE LETTER is not required in the state of Arkansas.  Right to select an Attorney disclosure is in file.  - xxxxxx

Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - xxxxxx

   2025-12-30 20:03 Void 3   3 1
6000103332   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-10 21:59 Cleared 1 1 3 1
6000103332   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 21:59 Cleared 1 1 3 1
6000103332   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit State Testing - Texas A6 Cash Out Fair Market Value The TX Affidavit of Fair Market Value of Homestead Property is missing and/or does not meet all required criteria. The TX Fair Market Affidavit doesn't reflect the lender representative's title



 

Per client. No specific requirement on the signature line - 12/18/2025

   2025-12-18 01:39 Resolved 3 1 3 1
6000103333   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-07 03:59 Cleared 1 1 1 1
6000103333   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-07 03:59 Cleared 1 1 1 1
6000103333   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 21:52 Cleared 1 1 1 1
6000103334   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-04 22:56 Cleared 1 1 1 1
6000103334   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-04 23:01 Cleared 1 1 1 1
6000103334   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-10 00:48 Cleared 1 1 1 1
6000103336   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-11 00:33 Cleared 1 1 3 1
6000103336   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-31 17:10 Cleared 1 1 3 1
6000103336   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 19:29 Cleared 1 1 3 1
6000103337   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 22:24 Cleared 1 1 1 1
6000103337   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-12 22:05 Cleared 1 1 1 1
6000103337   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 22:25 Cleared 1 1 1 1
6000103338   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 20:49 Cleared 1 1 1 1
6000103338   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-12 23:25 Cleared 1 1 1 1
6000103338   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 16:27 Cleared 1 1 1 1
6000103339   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-15 19:15 Cleared 1 1 1 1
6000103339   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-13 23:41 Cleared 1 1 1 1
6000103339   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-15 19:15 Cleared 1 1 1 1
6000103340   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-08 19:01 Cleared 1 1 1 1
6000103340   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-10 21:08 Cleared 1 1 1 1
6000103340   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 21:08 Cleared 1 1 1 1
6000103341   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 22:34 Cleared 1 1 3 1
6000103341   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-09 15:53 Cleared 1 1 3 1
6000103341   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

The loan meets all applicable credit guidelines. - 12/29/2025

   2025-12-29 20:07 Cleared 1 1 3 1
6000103342   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-07 19:32 Cleared 1 1 3 1
6000103342   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 15:55 Cleared 1 1 3 1
6000103343   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-11 23:49 Cleared 1 1 1 1
6000103343   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-12 15:16 Cleared 1 1 1 1
6000103343   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 21:52 Cleared 1 1 1 1
6000103344   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Audited DTI Exceeds Guideline DTI Audited DTI exceeds guideline DTI. TOTAL LIABILITIES $xxxxxx
PER LOAN INFORMATION PG 163 $xxxxxx
PROPERTY TAX PG 218 $xxxxxx/12=$xxxxxx
HAZARD INSURANCE PG 137 $xxxxxx/12=$xxxxxx
Originator to provide documentation to show how they arrived at $xxxxxx for Proposed Housing Expense

  Document Uploaded.  - xxxxxx

 Incorrect HOI annual premium amount was used,  Condition resolved. - xxxxxx

   2025-12-17 22:24 Resolved 3 1 3 1
6000103344   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-11 16:16 Cleared 1 1 3 1
6000103344   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-12 19:51 Cleared 1 1 3 1
6000103345   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 20:22 Cleared 1 1 1 1
6000103345   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines. Heloc Loan



 

    2025-12-09 20:23 Cleared 1 1 1 1
6000103345   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-11 16:53 Cleared 1 1 1 1
6000103346   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-09 02:43 Cleared 1 1 1 1
6000103346   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 02:44 Cleared 1 1 1 1
6000103346   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 02:44 Cleared 1 1 1 1
6000103347   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-09 00:04 Cleared 1 1 1 1
6000103347   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-09 00:05 Cleared 1 1 1 1
6000103347   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-09 15:26 Cleared 1 1 1 1
6000103348   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Initial HELOC Disclosure was not provided within the required number of days (Creditor) Subject Loan is a HELOC but the Initial HELOC Disclosure was not provided within the required number of days from the Application Date (Initial 1003 issued by Creditor)

  Document Uploaded. initial disclosures attached - xxxxxx

 Received evidence of disclosures - xxxxxx

   2025-12-17 18:09 Resolved 3 1 3 1
6000103348   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-11 18:34 Cleared 1 1 3 1
6000103348   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-11 18:34 Cleared 1 1 3 1
6000103349   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-06 19:09 Cleared 1 1 4 1
6000103349   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance Missing Certificate of Compliance or Certificate of Exemption from the Anti-Predatory Lending Database (APLD) Missing Certificate of Compliance or Certificate of Exemption from the Anti-Predatory Lending Database (APLD) The IL Certificate of Compliance for the current loan is missing from the file; the one provided from a prior loan in xxxxxx. Subject property is in xxxxxx.

  Document Uploaded. Please see attached cert of exemption - xxxxxx

 Received certificate attached to mortgae - xxxxxx

   2025-12-17 18:10 Resolved 4 1 4 1
6000103349   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-12 20:18 Cleared 1 1 4 1
6000103350   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC



 

    2025-12-06 11:12 Cleared 1 1 1 1
6000103350   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 19:11 Cleared 1 1 1 1
6000103350   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-11 18:23 Cleared 1 1 1 1
6000103351   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-08 23:56 Cleared 1 1 4 4
6000103351   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Heloc Loan



 

    2025-12-08 23:56 Cleared 1 1 4 4
6000103351   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-08 23:57 Cleared 1 1 4 4
6000103351   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property Appraisal is Missing The file is missing the appraisal. AVM FSD over 15%. Full appraisal required. 

 

    2026-06-02 19:00 Open 4 4 4 4
6000103353   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

    2025-12-10 20:47 Cleared 1 1 3 1
6000103353   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-11 23:35 Cleared 1 1 3 1
6000103353   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Fraud Report - LDP/EPL Missing All parties were not checked to make sure that they were not on the Limited Denial of Participation List or the Excluded Parties List and/or FHLMC's Exclusionary List. Originator to provide Risk Assessment/Fraud Report



  Document Uploaded. Please see attached.  - xxxxxx

 Fraud Check provided.  Conditionresolved. - xxxxxx

   2025-12-23 14:40 Resolved 3 1 3 1
6000103354   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit Third Party Fraud Report Partially Provided Third party fraud report partially provided. Provide all pages of report.



  Fraud Report provided.  Condition resolved. - xxxxxx

 Document Uploaded. Helo,

Please see attached Fraud report

Thank you, - xxxxxx

 Fraud Report provided.  Condition resolved. - xxxxxx

Third Party Fraud Report is fully present - xxxxxx

   2025-12-21 20:22 Resolved 3 1 3 1
6000103354   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. HELOC Loan



 

    2025-12-09 18:38 Cleared 1 1 3 1
6000103355   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

 

    2025-12-17 01:24 Cleared 1 1 3 1
6000103355   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

 

    2025-12-30 22:30 Cleared 1 1 3 1
6000103355   xxxxx xx/xx/xxxx xxxxx xxxxx xxxxxx Primary Residence Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx xxxxxx xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

 

Loan meets applicable appraisal guidelines. Loan meets applicable appraisal guidelines. - 05/26/2026

   2026-05-26 16:31 Cleared 1 1 3 1