|
Client Name:
|
||||||||||||||||||||||||||||||||||||
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Client Project Name:
|
GSMBS 2026-AH2
|
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Start - End Dates:
|
3/3/2024 - 4/22/2026
|
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|
Deal Loan Count:
|
2
|
|||||||||||||||||||||||||||||||||||
|
Conditions Report 2.0
|
||||||||||||||||||||||||||||||||||||
|
Loans in Report:
|
2
|
|||||||||||||||||||||||||||||||||||
|
Loans with Conditions:
|
0
|
|||||||||||||||||||||||||||||||||||
|
Loan Number
|
Original Principal Balance
|
State
|
Initial Lender ATR/QM Status
|
Loan Level ATR/QM Status
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Condition Category
|
Condition Sub Category
|
Condition Status
|
Initial Securitization Condition Grade
|
Final Securitization Condition Grade
|
Initial S&P Condition Grade
|
Final S&P Condition Grade
|
Condition Code
|
Condition Description
|
Condition Material Indicator
|
Initial Comments
|
Client/Seller Response Comments
|
Conclusion Comments
|
TRID Error Type
|
Cure Method
|
Compensating Factors
|
|
114218AF-43D0-4626-A202-6D3368366ED8
|
XXXXXX
|
CA
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI > 10 points below guideline maximum
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Over 16 years at current job
CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Post close assets are $XXX. No reserves are required.
CFCFS1736: Significant time at current residence
- Clayton Comments: Over 9 years at current residence
|
|||||||||||||||
|
2AE02C26-FFE0-434E-85D0-FAA410843B9C
|
XXXXXX
|
CA
|
(No Data)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: : Borrower DTI is > 14.54 points below guideline maximum
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Borrower has 0x30x 60
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Borrower TLTV is >XXX points below guideline maximum.
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: Borrower has 1x30x132
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO > 47 points above guideline minimum
|