Client Name:

Client Project Name:

GSMBS 2026-AH2

Start - End Dates:

3/3/2026 - 4/22/2026

Deal Loan Count:

ATR QM Upload

Loans in Report:

Loan Number

Deal

Seller Loan Number

Original Principal Balance

State

Loan Level ATR/QM Status

Verification Safe Harbor (VSH)?

Lender Provided ATR/QM Worksheet

Initial Lender ATR/QM Status

Application Date

Borrower 1 Citizenship

Borrower 2 Citizenship

Borrowers Qualified Through a Non-Resident Alien Program

Occupancy

Property Type

Number of Units

Loan Type

Exempt Loan Product Type

Exempt Loan Housing Agency

Community Housing Development

Credit Under Economic Stabilization Act Of 2008

Refinance Of Non-Standard Mortgage

Higher Priced Covered Transaction

State Prepay Exceptions

Loan Purpose

Loan Term Exceeds 30 Years

Interest Only Feature

Negative Amortization

Balloon Payment

Prepay Penalty Flag

Prepayment Penalty Type

Prohibited Prepayment Penalty

Exceeds Points And Fees

Exceeds DTI Limit

Lien Position

APR

QM Calculated DTI Adherence

QM Lenders DTI Adherence

QM Fee Adherence - Total Charges %

QM Fee Adherence - Lenders Fee %

Fannie Mae Eligible

Freddie Mac Eligible

VA Guaranty Eligible

FHA Insured Eligible

USDA Guarantee Eligible

Rural Housing Service Insured Eligible

QM - Expected Income Or Assets For DTI

QM - Current Employment Status For DTI

QM - Monthly Payment On Subject Loan For DTI

QM - Monthly Payment On Additional Loan For DTI

QM - Monthly Payment Mortgage Related Obligations

QM - Current Debt Obligations Alimony and Child Support for DTI

QM - Monthly DTI Ratio Or Residual Income

One or more Verification Safe Harbor Guidelines used?

Current/Reasonably Expected Income or Assets per Guideline used?

Current Debt Obligations, Alimony & Child Support per Guideline used?

Monthly DTI (includes monthly payment on subject loan and simultaneous loans)

Monthly Residual Income per guideline used?

Compensating Factors used for QM determination documented before closing?

ATR - Guidelines Provided to Document Approach

ATR - Current And Expected Income And Assets

ATR - Current Employment Status

ATR - Mortgage Payment Obligation

ATR - Mortgage Payment on Simultaneous Transaction

ATR - Payment For Mortgage Related Obligations

ATR - Debt Obligations Including Alimony and Child Support

ATR - Monthly DTI Ratio or Residual Income

ATR - Consumer Credit History

ATR Lenders - DTI (Back)

ATR Calculated DTI (Back)

QM Lender Value DTI (Back)

QM Calculated DTI (Back)

Initial DTI (Back)

DTI Qualifying (Back)

Residual Income Analysis in File

Residual Income Guidelines

Did Loan Meet Guidelines

Residual Income Amount

Asset Depletion

Asset Depletion Months Amortized

Asset Utilization

Partial Asset Depletion

Short Sale

Short Sale Date

Deed In Lieu

Deed In Lieu Date

QRM Flag

Borrower 2 Guarantor Flag

Borrower 2 Personal Guaranty Recourse to Borrower

Borrower 3 Guarantor Flag

Borrower 3 Personal Guaranty Recourse to Borrower

Borrower 4 Guarantor Flag

Borrower 4 Personal Guaranty Recourse to Borrower

Borrower 1 Paystub Flag

Borrower 1 Paystub Number of Months

Borrower 2 Paystub Flag

Borrower 2 Paystub Number of Months

Borrower 3 Paystub Flag

Borrower 3 Paystub Number of Months

Borrower 4 Paystub Flag

Borrower 4 Paystub Number of Months

Borrower 1 W2 Flag

Borrower 1 W2 Number of Months

Borrower 2 W2 Flag

Borrower 2 W2 Number of Months

Borrower 3 W2 Flag

Borrower 3 W2 Number of Months

Borrower 4 W2 Flag

Borrower 4 W2 Number of Months

Borrower 1 Personal Tax Return Flag

Borrower 1 Personal Tax Return Number of Months

Borrower 2 Personal Tax Return Flag

Borrower 2 Personal Tax Return Number of Months

Borrower 3 Personal Tax Return Flag

Borrower 3 Personal Tax Return Number of Months

Borrower 4 Personal Tax Return Flag

Borrower 4 Personal Tax Return Number of Months

Borrower 1 Business Tax Return Flag

Borrower 1 Business Tax Return Number of Months

Borrower 2 Business Tax Return Flag

Borrower 2 Business Tax Return Number of Months

Borrower 3 Business Tax Return Flag

Borrower 3 Business Tax Return Number of Months

Borrower 4 Business Tax Return Flag

Borrower 4 Business Tax Return Number of Months

Borrower 1 Verbal VOE Flag

Borrower 1 Verbal VOE Number of Months

Borrower 2 Verbal VOE Flag

Borrower 2 Verbal VOE Number of Months

Borrower 3 Verbal VOE Flag

Borrower 3 Verbal VOE Number of Months

Borrower 4 Verbal VOE Flag

Borrower 4 Verbal VOE Number of Months

Borrower 1 Written VOE Flag

Borrower 1 Written VOE Form

Borrower 1 Written VOE Number of Months

Borrower 2 Written VOE Flag

Borrower 2 Written VOE Form

Borrower 2 Written VOE Number of Months

Borrower 3 Written VOE Flag

Borrower 3 Written VOE Form

Borrower 3 Written VOE Number of Months

Borrower 4 Written VOE Flag

Borrower 4 Written VOE Form

Borrower 4 Written VOE Number of Months

Borrower 1 P&L Flag

Borrower 1 P&L Prepared By

Borrower 1 P&L Number of Months

Borrower 2 P&L Flag

Borrower 2 P&L Prepared By

Borrower 2 P&L Number of Months

Borrower 3 P&L Flag

Borrower 3 P&L Prepared By

Borrower 3 P&L Number of Months

Borrower 4 P&L Flag

Borrower 4 P&L Prepared By

Borrower 4 P&L Number of Months

Borrower 1 Lease Agreement Flag

Borrower 1 Lease Agreement Number of Months

Borrower 2 Lease Agreement Flag

Borrower 2 Lease Agreement Number of Months

Borrower 3 Lease Agreement Flag

Borrower 3 Lease Agreement Number of Months

Borrower 4 Lease Agreement Flag

Borrower 4 Lease Agreement Number of Months

Equity Income Flag

Equity Income Amount

Equity Income Number of Months

Cross Collateralized Loan?

Is the Loan a Short-Term Rental?

DSCR with Rent Schedule Flag

DSCR with Rent Schedule Income Amount

DSCR with Lease Agreement Flag

DSCR with Lease Agreement Income Amount

DSCR %

DSCR Method Used

Borrower 1 CPA Letter with Income Flag

Borrower 1 CPA Letter with Income Number of Months

Borrower 1 CPA Letter without Income Flag

Borrower 1 CPA Letter without Income Number of Months

Borrower 2 CPA Letter with Income Flag

Borrower 2 CPA Letter with Income Number of Months

Borrower 2 CPA Letter without Income Flag

Borrower 2 CPA Letter without Income Number of Months

Borrower 3 CPA Letter with Income Flag

Borrower 3 CPA Letter with Income Number of Months

Borrower 3 CPA Letter without Income Flag

Borrower 3 CPA Letter without Income Number of Months

Borrower 4 CPA Letter with Income Flag

Borrower 4 CPA Letter with Income Number of Months

Borrower 4 CPA Letter without Income Flag

Borrower 4 CPA Letter without Income Number of Months

Borrower 1 Personal Bank Statements Flag

Borrower 1 Personal Bank Statements Number of Months

Borrower 2 Personal Bank Statements Flag

Borrower 2 Personal Bank Statements Number of Months

Borrower 3 Personal Bank Statements Flag

Borrower 3 Personal Bank Statements Number of Months

Borrower 4 Personal Bank Statements Flag

Borrower 4 Personal Bank Statements Number of Months

Borrower 1 Business Bank Statements Flag

Borrower 1 Business Bank Statements Number of Months

Borrower 2 Business Bank Statements Flag

Borrower 2 Business Bank Statements Number of Months

Borrower 3 Business Bank Statements Flag

Borrower 3 Business Bank Statements Number of Months

Borrower 4 Business Bank Statements Flag

Borrower 4 Business Bank Statements Number of Months

Borrower 1 Award Letter Flag

Borrower 1 Award Letter Number of Months

Borrower 2 Award Letter Flag

Borrower 2 Award Letter Number of Months

Borrower 3 Award Letter Flag

Borrower 3 Award Letter Number of Months

Borrower 4 Award Letter Flag

Borrower 4 Award Letter Number of Months

Borrower 1 Offer Letter Flag

Borrower 1 Offer Letter Number of Months

Borrower 2 Offer Letter Flag

Borrower 2 Offer Letter Number of Months

Borrower 3 Offer Letter Flag

Borrower 3 Offer Letter Number of Months

Borrower 4 Offer Letter Flag

Borrower 4 Offer Letter Number of Months

Borrower 1 IRS Transcripts - Tax Returns Flag

Borrower 1 IRS Transcripts - Tax Returns Number of Months

Borrower 1 IRS Transcripts - W2s Flag

Borrower 1 IRS Transcripts - W2s Number of Months

Borrower 2 IRS Transcripts - Tax Returns Flag

Borrower 2 IRS Transcripts - Tax Returns Number of Months

Borrower 2 IRS Transcripts - W2s Flag

Borrower 2 IRS Transcripts - W2s Number of Months

Borrower 3 IRS Transcripts - Tax Returns Flag

Borrower 3 IRS Transcripts - Tax Returns Number of Months

Borrower 3 IRS Transcripts - W2s Flag

Borrower 3 IRS Transcripts - W2s Number of Months

Borrower 4 IRS Transcripts - Tax Returns Flag

Borrower 4 IRS Transcripts - Tax Returns Number of Months

Borrower 4 IRS Transcripts - W2s Flag

Borrower 4 IRS Transcripts - W2s Number of Months

Borrower 1 Income Doc Type Summary

Borrower 2 Income Doc Type Summary

Borrower 3 Income Doc Type Summary

Borrower 4 Income Doc Type Summary

Borrower 1 Documentation Used to Determine Legal Residency

Borrower 2 Documentation Used to Determine Legal Residency

Borrower 3 Documentation Used to Determine Legal Residency

Borrower 4 Documentation Used to Determine Legal Residency

114218AF-43D0-4626-A202-6D3368366ED8

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

HELOC

Yes

(No Data)

Cashout Refi

Yes

(No Data)

Yes

XX.XX

Yes

2.167

(No Data)

30.98

28.55

33.16

(No Data)

32584.81

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

CPA Letter without Income - 96 months

(No Data)

2AE02C26-FFE0-434E-85D0-FAA410843B9C

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

U.S. Citizen

(No Data)

Primary

Detached PUD

HELOC

Yes

(No Data)

Cashout Refi

Yes

(No Data)

Yes

XX.XX

Yes

0.678

(No Data)

34.32

33.56

34.46

(No Data)

30879.55

(No Data)

Yes

CPA

(No Data)

Yes

(No Data)

CPA Letter - 12 months;

P & L - 12 months

(No Data)