|
Client Name:
|
|||
|
Client Project Name:
|
SEMT 2026-9
|
||
|
Start - End Dates:
|
2/5/2026 - 6/17/2026
|
||
|
Deal Loan Count:
|
236
|
||
|
Conditions Report 2.0
|
|||
|
Loans in Report:
|
236
|
||
|
Loans with Conditions:
|
183
|
|
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
|
|
409037631
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has been XXX for XXX, B2 has XXX with current employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score of XXX.
|
|||||||||||||||
|
409037767
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support the appraisal value of $XXX. UCDP report shows the LCA risk could not be assessed.
|
4.23.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
|
|
409038570
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% LTV - max of XXX% per guidelines
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico score - minimum of XXX per guidelines
|
|||||||||||||||
|
409038582
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. xxx mortgage payment history; xxxxXXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
|
|||||||||||||||
|
409038921
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per Disclosure tracking in file, revised CD XXX and CD XXX were issued/ received by the borrower but both disclosures are missing in file.
|
03/31/2026 Client provided missing CD XXX with COC and CD XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. xxx mortgage payment history; xxxxXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX * XXX = $XXX reserves required.
|
|
409038921
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Missing homeowners counseling organizations
|
03/31/2026 Client provided missing List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. xxx mortgage payment history; xxxxXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX * XXX = $XXX reserves required.
|
|
409038921
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX percent tolerance in the amount of $XXX due to added Inspection fee $XXX and increased Discount Points by $XXX on final CD XXX with no valid COC in file.
Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
03/31/2026 Client provided COC XXX reflecting acreage added resulting in increase of appraisal fee and COC XXX reflecting loan lock with new rate and discount
points. Retesting reflects a zero tolerance of $XXX. Condition remains for additional information of what change occurred requiring a new rate lock prior to expiration or PCCD with cure, copy of cure check, LOE to Borrower and evidence of
delivery via tracking.04/03/26 Client provided the XXX COC and XXX CD. Condition remains. The increase in Points occurred on the Final XXX CD. The XXX COC indicates loan was locked at 6.00% with escrows. The loan was already locked at XXX%
with escrows on prior CDs and the lock had not expired yet. Lender to explain more details on what changed to validate the increased Points on the Final CD. Subject to re-review and re-testing. Additional conditions may apply.04/13/26 Client
provided the XXX Email chain with screen shots of the pricing for the DTI adjustment over XXX%.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. xxx mortgage payment history; xxxxXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX * XXX = $XXX reserves required.
|
|
409038921
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Missing lender's ATR/QM determination.
|
3.27.2026 Client provided Lender XXX w/QM Safe Harbor status determination
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. xxx mortgage payment history; xxxxXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX * XXX = $XXX reserves required.
|
|
409039208
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
04/08/26 Client provided a FACTS disclosure with Affiliates. Condition remains. Provide the required Affiliate Business Disclosure.04/16/2026 Client provided a
signed attestation of no Affiliated Business arrangements.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409039208
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit
or refund provided
|
No
|
Zero tolerance violation triggered due to missing Loan Estimate(s)
|
04/06/26 Client provided the missing LEs and COCs. Re-testing still results in an additional Zero Tolerance violation of $XXX due to the Appraisal Fee increase
on the XXX LE. The provided XXX COC does not reflect a valid change in circumstance reason/explanation. Provide borrower with a $XXX refund, PCCD with increased cure, LOE and proof of delivery with tracking.04/13/26 Client provided an LOE and
PCCD for a clerical error. Condition remains. Provide borrower with a $XXX refund, PCCD with increased cure, LOE and proof of delivery with tracking.04/28/26 Client provided a response from the Lender with a XXX screenshot of the Appraisal
notes validating the increase.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409039208
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
XXX% tolerance violation triggered due to missing Loan Estimate(s)
|
04/06/26 Client provided the missing LEs and COCs.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409039208
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not
offer one are selected
|
No
|
Final CD XXX - section Escrow Account - neither of You declined it and/or Your lender does not offer one are selected. Condition is pending LOX with corrected
PCD to borrower
|
04/13/26 Client provided an LOE to borrower and corrected PCCD.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409039208
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3494
|
TRID - Loan Estimate Missing
|
No
|
Missing Loan Estimates. Please provide all Loan Estimates along with their corresponding Change of Circumstance (COC) documentation.
|
04/06/26 Client provided the missing LEs and COCs.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409039208
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH2662
|
Number of mortgaged properties exceeds guideline limit
|
No
|
Max mortgaged properties 10, borrower has 12
|
4.10.2026 Client provided exception approval for number of financed properties exceeding guidelines maximum of 10
|
Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: LTV XXX%, verified reserves
XXX months and fico score XXX
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409039208
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing 3rd party verification of XXX within XXX days prior to note date for B1
|
4.10.2026 Client provided B1 XXX website showing XXX hour and open now however is not acceptable 3rd party verification of XXX. Condition remains for B1 3rd
party XXX documentation dated XXX days prior to Note.4.14.2026 Client provided SOS for B1 XXX however is undated and no status (XXX, etc) stated. Condition remains 4/16 Client provided XXX SOS with confimrtion active
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409039208
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing Income worksheet for B1 Income XXX
|
4/3 client provided income WS
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409039208
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Credit
|
Insurance
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
Missing flood cert
|
4/3 Client provided the Flood cert
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409039208
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL865
|
Title incomplete
|
No
|
Missing pages 5-12 of title
|
4/3 Client provided the title
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409039208
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Property Valuations
|
Value
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAVALU3872
|
Missing Initial Valuation Product
|
No
|
Missing Valuation that supports the original value
|
4/3 Client provided the complete signed appraisal with photos and all attachments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409039562
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of all missing income docs for B1 and B2, and 24 months VOE for B1.
|
3.10.2026 Client provided YTD paystub and xxx w2's for B1 and provided YTD paystub and xxx w2's for B2; base income used for qualifying supported with income
documents. Condition remains for B1 prior employment 2024 w2 to cover 24 months employment history. 3/19 Client provided job gap letter
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS2854: Significant time in profession
- XXX Comments: B1 : XXX years same line of workB2 : XXX years same line of work
|
|
409039562
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Note date XXXBorrower 1 started current job XXXProvide prior VOE(S) to complete full 24 months employment history. May be subject to additional conditions upon
review.
|
3.10.2026 Client provided YTD paystub and xxx w2's for B1 however did not provide the 2024 w2 from prior employment, initial condition remains for prior VVOE
covering 24 months of employment history. Current employment started XXX3/19 client provided an Email from Borrower that they were unemployed prior to current job from XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS2854: Significant time in profession
- XXX Comments: B1 : XXX years same line of workB2 : XXX years same line of work
|
|
409039562
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Missing all income Docs required per guidelines, for B2. Please provide. May be subject to additional conditions upon review.
|
3.10.2026 Client provided YTD paystub and xxx w2's for B1 and provided YTD paystub and xxx w2's for B2; base income used for qualifying supported with income
documents
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS2854: Significant time in profession
- XXX Comments: B1 : XXX years same line of workB2 : XXX years same line of work
|
|
409039562
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
Missing all income Docs required per guidelines, for B1. Please provide. May be subject to additional conditions upon review.
|
3.10.2026 Client provided YTD paystub and xxx w2's for B1 and provided YTD paystub and xxx w2's for B2; base income used for qualifying supported with income
documents
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS2854: Significant time in profession
- XXX Comments: B1 : XXX years same line of workB2 : XXX years same line of work
|
|
409039571
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|||||||||||||||
|
409039583
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in amount of $XXX due to added CDA fee on CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of
Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
02/26/26 Client provided an LOE Response from Seller regarding the XXX% tolerance violation. Condition remains. The XXX COC in file does not reflect a valid COC
reason for adding the CDA Fee. Further documentation is required to validate this charge, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery with tracking.02/27/26 Client provided an Email response from the
Seller stating: Per appraisal documentation in the file the appraisal report was not received until XXX. On the XXX new information was received as the LCA score was over 2.5 therefore a CDA had to be obtained per guidelines. Therefore, this
should be a valid COC. Condition remains. The Appraisal report was received XXX. The UCDP Reports were issued on XXX with the LCA and CU scores. The CDA fee was not disclosed to the borrower until the XXX CD. Timing was not met for
re-disclosure. Provide any missing CDs within the 3 days after the notice of the change, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery that includes tracking.04/06/26 Client provided a $XXX check covering
both the $XXX Zero and $XXX XXX percent tolerance violations, Tracking number (delivered on XXX), plus and LOE and PCCD issued on XXX. Condition remains. The LOE and PCCD only reflect a cure amount of $XXX, not $XXX. Timing for the cure
delivery, within 60 days of discovery, ends Today XXX. Provide the corrected LOE and PCCD reflecting the full $XXX credit/cure amount.04/07/2026 Client provided corrected PCCD with LOE and tracking reflecting viewed by Borrower on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has significant time at current XXX - 2nd employment previously was 1st employment
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current XXX, XXX years
|
|
409039583
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
XXX percent tolerance in amount of $XXX due to increase in Recording fee from $xxx on LE XXX to $XXX on final CD XXX with no valid COC in file. Condition is
pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund
|
02/26/26 Client provided an LOE Response from the Seller stating the Recording fee increased from $XXX to $XXX which is within the XXX% tolerance (Mavent
screenshot provided). Condition remains. The Recording fee on the LEs was $XXX. Fee increased to $XXX on the Initial XXX CD without a COC file. Baseline of $XXX is being used for testing. Provide the missing COC for the Initial XXX CD for
review, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery.03/23/26 Client provided an Email that includes a Seller response stating the $XXX baseline includes the Recording Fee from Section E plus the
Reconveyance Fee in Section C, as that fee is paid directly to a government entity (county) for the release of lien from public records. It is considered a Recording fee and included in the total XXX% tolerance baseline. Condition remains.
The Reconveyance Fee was included in Section C (Services You Can Shop For), not Section E (Taxes and Other Government Fees). The tolerance testing does not include fees from Section C in the baseline. Borrower is due a refund of $XXX, PCCD
with cure, LOE and proof of delivery.04/06/26 Client provided a $XXX check covering both the $XXX Zero and $XXX XXX percent tolerance violations, Tracking number (delivered on XXX), plus and LOE and PCCD issued on XXX. Condition remains. The
LOE and PCCD only reflect a cure amount of $XXX, not $XXX. Timing for the cure delivery, within 60 days of discovery, ends Today XXX Provide the corrected LOE and PCCD reflecting the full $XXX credit/cure amount.04/07/2026 Client provided
corrected PCCD with LOE and tracking reflecting viewed by Borrower on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has significant time at current XXX - 2nd employment previously was 1st employment
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current XXX, XXX years
|
|
409039583
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
DU allowed for one year XXXX income docs over XXX years XXX, XXX years is being considered SOS for XXXt says XXX and 1120S business returns reflect
XXXClarification on XXX date XXX or XXX / in addition 1003 reflect XXX
|
2/23 Client provided an Email that per CPA correct date is XXX, with updated DU and 1003
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has significant time at current XXX - 2nd employment previously was 1st employment
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current XXX, XXX years
|
|
409039583
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Regarding XXX income Both borrowers XXX% owner each with total income of $XXX being used for qualifying ($XXX/B1 and $XXX/B2) however YTD November 2025 P/L
supports income of $XXX; considering this lower amount DTI would be over XXX% In addition, File do have an LOX regarding declining in income however declining income for XXX not considered
|
2/23 Client provided an LOX for P&L calculation that XXX contract income was added back to P&L because the income is remaining but is now paid via W2
directly to the borrower; However, on review the bus income still appears to be declining; if the borrower is now paid directly Via paystubs and W2s provide a corrected 1003/1008 with paystubs W2s or WVOE for review; Condition remains; DD
calculation from P&L appears correct 3.24.2026 Client provided Lender rebuttal stating underwriter's calculation accounted for: removal of the non-recurring "Other income" and the reduction in the borrower's recurring wages from XXX.
Response, removal of the non-recurring and the reduction is part of the calculation that was needed for qualifying however the XXX P/L supports total income of $XXX(total for both borrowers XXX% owner / B1 is k1 only and B2 is k1 and w2),
however LLC total income to be used for qualifying is $XXX(which is supported with XXX P/L for LLC) vs $XXX(which is not supported with XXX P/L). Condition remains 3.26.2026 Client provided Lender LOX two (2) page LOX regarding stability of
income and regarding declining of review of income and stating borrower 2 have transitioned to a full-time w2 employee with the XXX, resulting in those wages no longer flowing through the business, but it is not reflective of a true economic
decline, etc. Response, agree it does appears B2 is now devoting more time with full time employment with XXX versus prior years XXX earnings due to declining on end of year XXX P/L and DD Firm is alos considering the XXX income of $XX(which
was also used by Lender) however with some adjustments, still considering the declining total income of $XXX from end of year XXX P/L and have increased slightly the XXX base income to $XXX vs $XXX puts DTI to XXX% with the slight increase of
XXX base income using $XXX x XXX bi weekly = $XXX supported with Written VOE (pg 652). Condition remains for the following: Lender updated 1003/1008 and DU changes, reflecting B2 XXX income of $XXX and B2 XXX income of $XXX for total income
of $XXX for B2 and no changes to B1 income of $XXX ; total qualifying income should be $XXXNote: this updated calculation is considering the XXX P/L declining income with considering slightly higher XXX base income of $XXX vs $XXX supported
with Written VOE. Lender DTI currently is XXX% and updated DTI is XXX%. 3.27.2026 Client provided updated 1003/1008 and DU with requested changes, appears DU is requesting for two year 1120S business returns and XXX 1120S and 1040's are in
file and two year average is slightly more however is considering the lower income from end of year XXX P/L (Both borrowers are XXX% owners for XXX LLC)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has significant time at current XXX - 2nd employment previously was 1st employment
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current XXX, XXX years
|
|
409039583
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL865
|
Title incomplete
|
No
|
Title proposed amount of insurance $XXX however should reflect $XXX; provide corrected Title with correct amount
|
2/27 Client provided corrected Title
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has significant time at current XXX - 2nd employment previously was 1st employment
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current XXX, XXX years
|
|
409039784
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
Missing Flood Certification
|
3/20 Client provided the Flood Cert
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
409039784
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL100
|
Legal document incorrect or incomplete
|
No
|
Missing Real Estate tax for Subject Property
|
3/20 Client provided tax bill
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
409039800
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX percent tolerance of $XXX due to Appraisal fee increased by $XXX on LE XXX and added Collateral Desktop Analysis on LE XXX, with no valid reasons documented
in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/03/26 Client provided a XXX PCCD with cure, $440 check, LOE and shipping label (tracking confirms shipment).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years. Co-borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409039801
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor
|
3/9/2026 Client provided an exception approval for using incorrect ROR form
|
3/9/2026 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
|
|
409039801
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Collateral Desktop Analysis was added to LE 2/18/2026 without a valid COC in file. Condition pending receipt of a
valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
03/17/2026 Client provided PCCD XXX with cure and LOE. Condition remains. Provide a copy of the cure check and evidence of delivery via tracking. 03/20/2026
Client provided duplicates of the PCCD XXX and LOE along with a copy of the cure check and delivered Shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
|
|
409039803
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
missing full documentation to accurately calculate rental income and confirm correct dti used to qualify.
|
3/19 Client provided rental income XXX; missing supporting documents for PITIA calculation 3.23.2026 Client provided mortgage statements, taxes, HOI and evidence
of monthly HOA for six (6) properties however (a). appears monthly HOA for XXX is $XXX vs $XXX (per 1003), please clarify and (b). Lender to provide executed Lease agreement for XXX. Condition remains for these two clarification and or
documentation, upon receipt and review of these two documentation/clarification rental income to be finalized. 3.24.2026 Client provided executed copy of Lease agreement, calculation of rental income was completed with using XXX Schedule E
for three (3) properties and using executed Lease agreement for three (3) property + subject primary accounts for total properties of seven (7), updated DTI XXX% and regarding the HOA differ on one property, considered the higher verified
amount.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
|
|
409039803
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Missing List of homeowners counseling organizations
|
03/19/26 Client provided the Disclosure Tracking and the Homeowners Counseling Acknowledgment. Condition remains. Provide the List of Organizations for
review.03/25/26 Client provided the full HC List.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
|
|
409039803
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
03/19/26 Client provided the ABD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
|
|
409039803
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
First LE in file is dated XXX; Missing initial LE XXX
|
03/19/26 Client provided the Initial XXX LE.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
|
|
409039803
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Missing documentation to confirm the full PITIA payments on rental properties and calculate the correct required reserves. Reserves to be recalculated upon
receipt.
|
3/19 Client provided rental income WS; missing supporting documents for PITIA calculation 3.23.2026 Client provided mortgage statements, taxes, HOI and evidence
of monthly HOA for six (6) properties however (a). appears monthly HOA for XXX is $XXX vs $XXX (per 1003), please clarify and (b). Lender to provide executed Lease agreement for XXX Condition remains for these two clarification and or
documentation, upon receipt and review of these two documentation/clarification rental income to be finalized along with reserves requirement. 3.24.2026 Client provided requested documentation and verified reserves for REO total needed is
$XXX+ subject and verified reserves are $XXX; sufficient reserves verified.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
|
|
409039803
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing documentation to support the PITIA for all 6 rental properties: Missing proof of taxes, insurance and hoa plus confirmation of any escrowed with mortgage
payment for: 1.XXX, XXX 2. XXX 3.XXX 4.XXX XXX $XXX 5.XXX 6.XXX. Rental income to be re-calculated once received.
|
3/19 Client provided rental income WS; missing supporting documents for PITIA calculation 3.23.2026 Client provided mortgage statements, taxes, HOI and evidence
of monthly HOA for six (6) properties however (a). appears monthly HOA for XXX is $XXXvs $XXX(per 1003), please clarify and (b). Lender to provide executed Lease agreement for XXX Condition remains for these two clarification and or
documentation, upon receipt and review of these two documentation/clarification rental income to be finalized. 3.24.2026 Client provided executed copy of Lease agreement, calculation of rental income was completed with using XXX Schedule E
for three (3) properties and using executed Lease agreement for three (3) property + subject primary accounts for total properties of seven (7), updated DTI XXX% and regarding the HOA differ on one property, considered the higher verified
amount.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
|
|
409040043
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2642
|
Missing proof that HELOC has been paid and closed to future draws
|
No
|
Per DU, the following open HELOCs with XXX Bank#XXX; XXX Bank#XXX and XXX Bank#XXX on the credit report are not disclosed on the loan application. In order to
determine the minimum reserve requirement for other financed properties has been met, all open HELOCs must be reflected on the loan application linked to their properties. Resubmit DU AUS. If the following HELOCs were closed prior to closing
date, provided documentation to reflect same. May require additional review.
|
4/27 Client provided the HELOC discharges
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower's have lived at current residence for XXX years
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same profession for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409040209
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|||||||||||||||
|
409040239
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per COCs XXX and XXX, Initial and Revised LEs are missing from file.
|
04/08/26 Client provided the XXX and XXX LEs.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guidelines
|
|
409040370
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Fico score XXX exceeds guide lines of XXX.
|
|||||||||||||||
|
409040405
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR1939
|
Appraiser License for Incorrect State
|
No
|
Provide a copy of the appraiser's license
|
4.7.2026 Client provided executed full appraisal for subject transaction with value of $XXX dated XXX however missing appraiser and supervisory appraiser
license. Condition remains for both appraisers license 4.14.2026 Client provided updated appraisal with both appraiser current active license
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
|
|
409040405
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Provide a copy of the appraisal
|
4.7.2026 Client provided executed full appraisal for subject transaction with value of $XXX dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
|
|
409040405
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA858
|
Natural Disaster Area, no subsequent inspection (Individual & Public)
|
No
|
Fired due to missing appraisal
|
4.7.2026 Client provided executed full appraisal for subject transaction with value of $XXX dated XXX; last disaster Year XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
|
|
409040476
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Provide XXX month VOR from XXX
|
4/8 Client provided XXX month rent history
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
|
|
409040611
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
|
|||||||||||||||
|
409040847
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH120
|
Collections, charge offs, liens, etc. exceed guidelines
|
No
|
Provide documentation that State Tax Lien #XXX dated XXX in the amount of $XXX for the State of XXX has been paid off. This was located on updated Data Verify
|
3/20 Client provided a release
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX =
$ XXX)
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409040847
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Borrower is Missing Business Tax Returns
|
XXX Exception XXX approved for - K-1 income being used for qualifying. Borrower is XXX% owner. Borrower is also XXX% owner of another entity- not being used.
However, business returns have been requested. We ordered transcripts for XXX, XXX, and XXX that came back "requested data not found". The borrower was able to provide XXX tax transcripts from the IRS portal. They are not able to provide XXX
or XXX and were told by the XXX it will be XXX weeks. They are scheduled to close next week. Please advise if an exception can be granted to close with only XXX tax transcripts.3/XXX Approved exception applied
|
XXX initial and final grade of B
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX =
$ XXX)
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409040856
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
File is missing pre-closing VOEs for each borrower.
|
3/20 Client provided the VVOEs
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX = XXXmonths reserves > program requirement of 6 months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409040856
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Note date XXX ; Closing date per CD XXX ; Disbursement date XXX ; HOI effective XXX.
|
Client provided exception approval for Insurance Effective date is greater than the transaction date
|
XXX final grade B
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX = XXXmonths reserves > program requirement of 6 months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409040896
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified assets of $XXX - cash to close $XXX = reserves of $XXX . Total reserves required XXX months PITIA reserves for subject and an
additional XXX months for other financed property.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|||||||||||||||
|
409040899
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|||||||||||||||
|
409040950
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Provide VVOE for B2 dated within 10 business days. One of the VOE's in file is expired and the other does not list a date pulled or Borrowers Name.
|
4.11.2026 Client provided VVOE for B2 dated within 10 business days and post dated
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have xxx on current and previous mortgages
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
|
|
409040957
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
|
|||||||||||||||
|
409040965
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of missing income docs
|
4.30.2026 Client provided XXX 1040s and XXX 1065 for business: XXX (XXX% owner) and XXX 1120S for business:XXX (XXX% owner) along with signed dated and end of
year 2025 P/L in file and provided 2025 1065 for XXX(in lieu of end of year 2025), income used for qualifying for both XXX is supported, Cash Flow income analysis in file.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ $XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX and XXX months PITIA for one financed REO; met
|
|
409040965
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance in the amount of $XXX due to Appraisal Fee increased on LE XXX and 2nd Appraisal Fee was added to CD XXX without a COC in file. Condition pending
receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
04/29/2026 Client provided screen prints of changed circumstances for XXX reflecting additional appraisal fee for desk review and one for LE XXX however it does
not reflect the change date. Condition remains. Provide the change that occurred resulting in the desk review fee on XXX and a COC for the changes on XXX or screen print that reflects the changes received date for testing timing and
re-review. 05/05/26 Client provided the XXX COC screenshot for the LE change, the XXX COC screenshot for the CD change and the XXX UCDP report. Condition remains. The XXX change is valid, however the added desk review on the XXX CD does not
appear to meet timing requirements. The reason indicates due to the CU Score of 3.1 and the Change Date on the prior screenshot shows XXX, however the UCDP report is dated XXX and the new screenshot reflects XXX Comments for the required CDA.
Disclosure of the fee on XXX is over 3 days. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery that includes tracking information.05/13/26 Client provided another copy of the XXX COC screenshot. Condition remains.
The XXX change has already been validated, per our prior review comments. The condition remains for the added desk review on the XXX CD. Timing was not met for redisclosure. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of
delivery that includes tracking information.06/03/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and in transit shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ $XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX and XXX months PITIA for one financed REO; met
|
|
409040965
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
Missing K1 to support % of XXX business owned by B1; please provide. XXX business account # XXX, subject to recalc and may be subject to additional conditions
upon review.
|
4.30.2026 Client provided copy of 1120S XXX business returns for XXX with B1 having XXX% ownership of this business
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ $XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX and XXX months PITIA for one financed REO; met
|
|
409040965
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Provide missing business returns and K1's, as required by guidelines, for both XXX businesses. Subject to full income recalc and may be subject to additional
conditions upon review.
|
4.30.2026 Client provided XXX 1040s and XXX 1065 for business: XXX (XXX% owner) and XXX 1120S for business: XXX(XXX% owner) along with signed dated and end of
year 2025 P/L in file and provided 2025 1065 for XXX (in lieu of end of year 2025), income used for qualifying for both XXX is supported, Cash Flow income analysis in file.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ $XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX and XXX months PITIA for one financed REO; met
|
|
409040965
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Provide IRS 1040 Transcript(s) as required by guidelines. May be subject to additional conditions upon review.
|
4.30.2026 Client provided XXX 1040 Transcripts
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ $XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX and XXX months PITIA for one financed REO; met
|
|
409041028
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor
|
4/14/2026 Client provided an exception approval for using incorrect ROR form
|
4/14/2026 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409041028
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
State Consumer Protection
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPSTCP1765
|
CT Home Loan - Aggregate Prepaid Finance Charges Exceed CT same lender refi limits
|
No
|
Provide prior CD or HUD-1
|
04/17/2026 Client provided a duplicate of the XXX Initial CD. Condition remains for the Prior loan Final HUD/CD to accurately evaluate CT same lender refi
limits.04/22/26 Client provided the prior Final CD dated XXX (refinance).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409041028
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP1763
|
CT Home Loan - Prior Loan HUD 1 Missing, unable to accurately evaluate CT same lender refi limits
|
No
|
Missing prior CD or HUD-1
|
04/17/2026 Client provided a duplicate of the XXX Initial CD. Condition remains for the Prior loan Final HUD/CD to accurately evaluate CT same lender refi
limits.04/22/26 Client provided the prior Final CD dated XXX (refinance).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409041028
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Provide confirmation of receipt of Initial CD issued XXX at least XXX days prior to closing date of XXX
|
04/22/26 Client provided the XXX Initial CD package, e-signed by all parties on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409041028
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Provide confirmation of receipt of Initial CD issued XXX at least XXX days prior to closing date of XXX
|
04/22/26 Client provided the XXX Initial CD package, e-signed by all parties on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409041028
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Provide COC for reduction in lender credits by $XXX on the Final CD. Or provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery
within 60 days of consummation.
|
04/22/26 Client provided an LOE stating on XXX a loan amount change was requested by the borrower which impacted the Points/Credits. Condition remains. Provide
the missing XXX change documentation for review. Additional conditions may apply.04/24/26 Client provided a screen shot of the Lender's internal LOS reflecting the XXX client request to lower the loan amount.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409041122
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of missing income docs.
|
3/17 Client provided required income docs except transcripts; Provide 23/24 1040 transcripts4/2 Client provided transcripts
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409041122
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409041122
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
Per guidelines, provide the following for XXX # XXX account in Business name XXX: 'Cash flow analysis required using most recent three (3) months business bank
statements to determine no negative impact to business'. May be subject to additional conditions upon review.
|
3.16.2026 Client provided duplicate (in file) business bank statement w/XXX#XXX however initial condition is for missing business asset cash flow analysis
covering the 3 months business bank statements, currently have XXX and XXX; missing the 3rd month. Condition remains for the business asset cash flow analysis. 3/19 client provided duplicate ban statements; condition remains4/2 Changed to
XXX 2 months statemnts are accepted
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409041122
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Per guidelines, provide the following for XXX # XXX account in Business name XXX: third consecutive month bank statement. Subject to asset recalc and may be
subject to additional conditions upon review.
|
3.16.2026 Client provided duplicate (in file) XXX and XXX XXX #XXX business bank statement however initial condition states: missing the 3rd month Either XXX or
XXX (Note XXX), condition remains for 3rd consecutive business bank statement for #XXX account. 3/19 Client provided duplicate statements ; condition remains 4/2 Changed to XXX 2 months statemnts are accepted
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409041122
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Provide VOR as required by guidelines
|
3.16.2026 Client provided VOR with satisfactory payment history from XXX - Current
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409041122
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
B2 VOEs are not dated. Provide third party VOE for B2 meeting XXX requirements. May be subject to additional conditions upon review.
|
3/17 Client provided Bus license XXX VOE
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409041122
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Provide IRS 1040 transcripts, as required by guidelines.
|
3/20 Client provided duplicate tax returns ; Condition remains 4/2 Client provided 2 years transcripts
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409041122
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Provide missing business returns, K1's, PL if applicable, and any additional business documents required by guidelines. Subject to full income calc, and may be
subject to additional conditions upon review.
|
3/17 Client provided 23/24 1040s, 1120s, 1065s, P&Ls supporting qualifying income, 2025 P&L /12
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409041122
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
Review changed to XXX; provide updated lock
|
4/6 Client provided lock as XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409041156
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Initial application was taken XXX, the Housing Counselors List in file was not issued until XXX. Greater than the required XXX days
|
4/8/26 Client provided an approved exception for HOCL not provided timely to the borrower.
|
4/8/26 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying score XXX, guidelines allow XXX.
|
|
409041156
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Initial application was taken XXX, earliest LE in file was not issued until XXX. File is missing initial LE provided to the borrower within XXX days of
application.
|
04/14/26 Client provided the XXX Initial LE and XXX Rate Lock.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying score XXX, guidelines allow XXX.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
04/16/2026 Client provided a sign attestation of no Affiliated business arrangements.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase of Appraisal Fee on LE XXX without a valid COC in file. Condition pending receiving a valid Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
04/08/2026 Client provided a duplicate of COC XXX reflecting Appraisal fee increase to $XXX Condition remains. Provide further details of the change that
occurred resulting in the additional fee added or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 04/14/26 Client provided the Appraisal Invoices and an LOE from Lender stating: The subject property
is located in Florida. A local agent was contacted to complete the appraisal. Upon receipt, our appraisal group performed a Quality Control review of the appraisal, incurring an additional fee of $XXX. This fee was redisclosed to the
borrowers at the time we were made aware of it. Condition remains. It is still unclear where the valid "change in circumstance" occurred. What changed to prompt the QC Review and why was this not a practice known and disclosed to borrower at
application (on the Initial LE). Further explanation is required. Subject to re-review.04/21/26 Client provided a XXX PCCD, refund check, LOE and tracking (delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Lender did not provide an ATR/QM status determination.
|
4.8.2026 Client provided some loan documents however missing QM status determination. Condition remains 4/10 Client provided XXX SH APOR
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Credit
|
Application
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAPP3822
|
Missing or incomplete documentation related to citizenship/residency
|
No
|
File is missing a front and back copy of B2 green card.
|
4.8.2026 Client provided front copy of B2 green card, condition remains for back copy of B2 green card. 4/10 Client provided green card back
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Insufficient assets verified in the file to meet the closing costs requirement. Total assets verified were $XXX with cash required to close of $XXX (including
the EMD) leaving $XXX short to close. Final 1003 indicates borrowers used HELOC funds of $XXX from a new HELOC mortgage on their primary residence to qualify. File is missing all documentation verifying the HELOC funds. Otherwise,
additional asset documentation verifying sufficient funds to close is required.
|
4.8.2026 Client provided Lender LOX memo stating HELOC was used for subject transaction as reflected on Final 1003 and provided HELOC transfer history showing
$XXX being transferred to checking with balance of $XXX ; sufficient funds to close met with HELOC funds on Primary Home (Subject is 2nd home purchase)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Insufficient assets verified in the file to meet the reserves requirement. Total assets verified were $XXX with cash required to close of $XXX (including the
EMD) leaving no assets available for reserves. $XXX in reserves required, or XXX months PITI for the subject property plus XXX months PITI for the primary residence. Final 1003 indicates borrowers used HELOC funds of $XXX from a new HELOC
mortgage on their primary residence to qualify. File is missing all documentation verifying the HELOC funds. Otherwise, additional asset documentation verifying sufficient assets to meet the reserves requirements are required after closing
the closing cost requirement has been met.
|
4.8.2026 Client provided Lender LOX memo stating HELOC was used for subject transaction as reflected on Final 1003 and provided HELOC transfer history showing
$XXX being transferred to checking with balance of $XXX; sufficient funds to close met with HELOC funds on Primary Home (Subject is 2nd home purchase), verified reserves are $XXX or XXX months (all HELOC funds are being used for cash to
close/down payment, not towards reserves). Required reserves $XXX and verified $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
File is missing verification of new HELOC mortgage P&L payment, tax, and insurance amounts and HOA dues (if any) for the borrowers' primary residence. Used
PITI of $XXX from 1008 for recalculations.
|
4.8.2026 Client provided the following for borrower primary home: XXX; verified taxes $XXX x XXX = $XXX and HOI $XXX and provided copy of 1008 for HELOC
transaction showing PI of $XXX however still missing evidence of this PI payment of $XXX; provided executed Note or executed final HUD-1/CD to support PI of $XXXIn addition, if CD or HUD-1 is provided also support $XXX was the amount listed
on HUD-1 or CD from HELOC funds received. 4/10 Client provided HELOC agreement supporting qualifying payment
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
File is missing verification of the existence of B1 XXX verified through a third-party source and no more than XXX (XXX) calendar days prior to the Note date.
|
4.8.2026 Client provided appears to be business website however not acceptable verification to support XXX, condition remains for acceptable 3rd party SOS, etc.
to verify XXX for B1 B2 no income appears to be using, this is pertaining to B1 XXX4/10 Client provided XXX VOE
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
File is missing IRS tax transcripts. W2 transcripts are not acceptable in lieu of the tax transcripts.
|
4.8.2026 Client provided XXX 1040 Transcripts
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3258
|
Missing Profit and Loss statement for one or more XXX borrowers
|
No
|
File is missing 2025 year-ending P&L statement for B1.
|
4/10 Client provided the P&L
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
File is missing signed business and personal tax returns. Tax returns provided in the file are not signed.
|
4.8.2026 Client provided XXX 1040 Transcripts dated XXX; condition remains for signed 1120S business returns.4.15.2026 Client provided executed signed Form 8879
(Form 8879 appears to be for 1040) however still missing executed signed 2024 1120S business returns. 4/24 Client provided an approved exception to allow the file wthout the signed 1120s
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs. low ltv, low DTI
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
File is missing the XXX Form XXX or XXX Form 91 or equivalent income calculation form for B1 XXX
|
4.8.2026 Client provided Lender Cash Flow Income Analysis for XXX borrower
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing a UCDP report with CU score of 2.5 or less, or a CDA or XXX supporting appraised value of $XXX.
|
4.8.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years.
|
|
409041527
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
File is missing evidence of monthly HOA dues for property located at XXX XXX. ($XXX per 1003).
|
3.13.2026 Client provided evidence of monthly HOA of $XXX a month for XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409041572
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.
Regulation Z has language allowing the use of a substantially similar notice. XXXs view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere
existence of the H9 takes away the substantially similar notice argument. The majority of XXX that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an XXX form in a
same-lender refinance as a level B condition.
|
(No Data)
|
Initial & Final Grade B. Condition waived.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITI; met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409041645
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per XXX, the Initial CD was mailed to the borrowers on XXX; however, a copy is not in the file.
|
04/01/26 Client provided the XXX Initial CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409041645
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to the addition of Appraisal Recertification fee on CD XXX without a COC in file. PCD reflecting lenders cure, LOE to
borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/01/26 Client provided the missing XXX Initial CD, Tracking and CU Score Variance guides. Condition remains. The $XXX Appraisal Recert Fee was included on the
XXX Initial CD. It does not appear that the CU Score guides are affiliated with the Recert Fee, as the UCDP reports are dated XXX and there is already a Field Review paid by Lender added separately. Provide the missing COC for the Appraisal
Recert Fee added on the XXX Initial CD. Subject to re-review.04/16/26 Client provided an LOE and screen shots showing the Recert of Value required for expired Appraisal issued on XXX (within timing for the XXX CD).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409041645
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing additional XXX mo. of xxx housing payment history to meet program requirement.
|
4/7 Client provided an approved exception to allow the file without the VOR
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409041645
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR3278
|
Hazard Insurance documentation in file is incomplete
|
No
|
HOI declaration provided is an amendment issued XXX and expiring XXX with no current 12mo. policy or renewal provided.
|
3.30.2026 Client provided LOX along with full HOI policy covering XXX- XXX and updated policy was effective XXX thru XXX which was when changes were made to the
policy, refinance transaction
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409041645
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS findings with an Approve/Ineligible -or- Eligible status required to be present in all closed loan files.
|
3.30.2026 Client provided DU A/Ineligible dated XXX (prior to closing)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409041645
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
B
|
B
|
B
|
B
|
PRVAAPPR235
|
Appraisal over 6 months old
|
No
|
Appraisal provided is dated XXX and exceeds the XXX days program limit from note date XXX, disallowing the 1004D update; field review dated XXX is also not
within the program limit.
|
4/7 Client provided an approved exception to follow FNMA rules to allow the original appraisal less than XXX year old with a supporting 1004D
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409041645
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation supporting $XXX appraisal value due to CU Score 3.8.
|
3.30.2026 Client provided Lender variance allow for CU Score 2.5 or less however CU Score is 3.8 which would require a field review of appraisal as secondary
value support, per variance. Condition remains CU score 3.8 is > 2.5 and additional valuation is required. Condition remains for Field Review, supporting value. 4.13.2026 Client provided Field Review dated XXX and appears transaction is a
refinance and appraisal that was used for this refinance transaction is the Purchase appraisal with file having a 1004D dated XXX with value having not declining since original report from XXX (Note date XXX), per AUS guidelines appraisal
must be completed for the subject transaction. Use of a prior appraisal regardless of the date of the prior appraisal, is not allowed. Condition remains, purchase appraisal (dated XXX) is being used for subject refinance transaction (XXX)
with 1004D dated XXX value having not declined since original Purchase value which is XXX months 4.15.2026 Client provided Lender LOX regarding using original purchase appraisal and Field review is from the purchase transaction however have
provided a 1004D with value having not declined (all was in file as stated previously), however this condition is pertaining to the guidelines not allowing for use of Purchase appraisal on a refinance transaction, guidelines state appraisal
must be for current transaction and appraisal being used with 1004D is from the Purchase transaction, not from our transaction. Condition remains and prior updated states the same condition remains due to using prior transaction appraisal
not allowed, per guidelines. 4/15 Client provided an ecxeption to allow the file without further review appraisal using Original Purchase appraisal with 1004D
|
Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409041724
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX * XXX = $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. xxx mortgage payment history; xxxxXXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have been at the same residence for XXX years.
|
|||||||||||||||
|
409041830
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C, E, F, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition
Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
|
|
409041830
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Provide sufficient documentation reflecting $XXX monthly debt for XXX. shown on 1003. Subject to DTI recalc and may be subject to additional conditions upon
review.
|
4.8.2026 Client provided evidence (PreClose monitoring report) of new tradeline w/XXX monthly payment of $XXX with balance $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
|
|
409041844
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
Credit
|
Application
|
Waived
|
B
|
B
|
B
|
B
|
CRDAPP1813
|
Undisclosed non-arm's length transaction
|
No
|
NAL transaction. Borrower is purchasing this home from his father-in-law
|
04/10/26 Upon further review XXX XXX XXX determined that NAL transaction. Borrower is purchasing this home from his father-in-law is non material due to the
following compensating factors.
|
XXX final grade of B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
|
|
409041844
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Hazard Insurance policy reflects coverage of $XXX; however, the required coverage is $XXX.
|
4.16.2026 Client provided subject HOI policy with sufficient coverage, including the estimated replacement cost
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
|
|
409041844
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR865
|
Missing proof of flood insurance in File
|
No
|
Flood insurance is required and the file is missing the flood insurance policy.
|
4.16.2026 Client provided subject Flood insurance policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
|
|
409041844
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
C
|
B
|
C
|
B
|
CRDINSR5352
|
Flood Effective date is greater than the transaction date
|
No
|
Condition added with receipt and review of Flood Policy Flood policy dated XXX - XXX with disbursement date XXX
|
4.27.2026 Client provided duplicate (previously provided) Flood Policy from XXX - XXX with disbursement date XXX; condition remains for Flood policy dated prior
to closing/prior to disbursement date of XXX5/1 Client provided a letter from Lender that they are not aware of any Flood Ins claims; Client provided an approved exception to allow the file with Flood insurance effective XXX
|
Upon review by XXX XXX Condition is deemed Non Material; Client credit score exceeds GLs
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
|
|
409041844
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER113
|
Loan amount is below guideline minimum
|
No
|
Loan amount is not $XXX over the current conforming loan limit of $XXX for XXX . The loan was closed with a loan amount of $XXX.
|
Upon further review XXX XXX XXX determined that Loan amount is not $XXX over the current conforming loan limit of $XXX for XXX . The loan was closed with a loan
amount of $XXX is non material due to the following compensating factors: Cash reserves $XXX or XXX months, XXX DTI and XXX qualifying credit score
|
XXX final grade of B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
|
|
409041844
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Guidelines require borrower to provide XXX% of own funds when gift funds are being used. The borrower received a gift of equity and did not provide any of their
own funds in the transaction. File contains an approved exception.
|
Upon further review XXX XXX XXX determined that XXX% of own funds when gift funds are being used. The borrower received a gift of equity and did not provide any
of their own funds in the transaction. is non material due to the following compensating factors: Cash reserves $XXX or XXX months, XXX DTI and XXX qualifying credit score
|
XXX final grade of B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
|
|
409041844
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
B
|
A
|
A
|
Property Valuations
|
Property
|
Waived
|
B
|
B
|
B
|
B
|
PRVAPROP241
|
Property Type unacceptable under guidelines
|
No
|
The subject property is a single family residence with 2 Accessory Dwelling Units. The guidelines only allow 1 Accessory Dwelling Unit. File contains an approved
exception.
|
Upon further review XXX XXX XXX determined that a single family residence with 2 Accessory Dwelling Units is non material due to the following compensating
factors: Cash reserves $XXX or XXX months, XXX DTI and XXX qualifying credit score
|
XXX final grade of B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
|
|
409041845
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.Missing Homeowners Insurance for XXXPer Final 1003 it shows $XXX/month for Escrows on XXX Provide LOE. Could only verified $XXX/month in taxes. Used $XXX/month HOI from 2025 Schedule E however requesting HOI Binder.
|
5.1.2026 Client provided HOI policy for XXX monthly HOI of $XXX however still missing evidence of the additional amount of $XXX used on REO of 1003 for this
property. Condition remains 5/4 Client provided duplicate insurance already reviewed; condition remains for additional amount of $XXX used on REO of 1003 for this property. 5/13 Client provided schedule E rental income calculation
supporting loss5.8.2026 Client provided lender LOX stating the total expense of $XXX is calculated using: expenses minus depreciation = $XXX; Response, condition remains for Lender rental worksheet for this property: XXX to support the
negative net of $XXX that is being used by Lender and compare with DD Firm negative loss to determine where we are off in calculation.
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has xxx for XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409041845
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC191
|
Missing Mortgage
|
No
|
Missing Mortgage; provide copy of fully executed document
|
04/30/2026 Client provided missing, fully executed Mortgage.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has xxx for XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409041845
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to added Extension Fee and a reduction in the Lender Credit on Final CD XXX. Per COC XXX and tracking disclosure in
file, a revised CD XXX was issued but is missing. Extension Fee and Lender Credit were not disclosed timely to the borrower. Condition is pending receiving revised CD XXX, valid COC or PCD reflecting lenders cure, LOE to borrower, a copy of
refund and proof of delivery via shipping that includes tracking information.
|
04/30/2026 Client provided missing CD XXX reflecting no extension fee disclosed and no lender credit. COC XXX does not list extension fee added and was not
added until CD XXX. COC XXX reflects the Lender Credit of .XXX however was removed on CD XXX and added a lower amount on CD XXX. Condition remains. Provide the COC for the Lender credit amount added back and the lock or COC for the extension
fee on the Final CD or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 05/08/2026 Client provided COC XXX reflecting Lock expired, Loan Amount adjustment and Remove Lender Credit. Retesting results
in a tolerance of $XXX. Condition remains. Provide the COC for the Lock extension fee or Lock agreement reflecting the extension fee that was added on the Final CD XXX for re-review or PCCD with cure, copy of cure check, LOE to Borrower and
evidence of delivery via tracking. 05/15/2026 Client provided PCCD XXX with cure and copy of cure check. Condition remains for LOE to Borrower and evidence of delivery of cure package via tracking. 05/20/26 Client provided Disclosure
Tracking Details that confirms delivery of the PCCD electronically on XXX. Condition remains. Provide the missing LOE to Borrower and the proof of delivery for the refund check (courier tracking required).05/22/2026 Client provided an email
from the Borrower reflecting she has received the cure package with the check and LOE.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has xxx for XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409041845
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Provide ATR/QM Determination
|
5.1.2026 Client provided XXXw/QM Safe harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has xxx for XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409041845
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Borrowers do not have XXX months of VOM for REO at XXX even though Mortgage has been open since XXX. Mortgage holder is family member so XXX months canceled
checks or bank statements are required. VOM from family member is not acceptable.
|
5.1.2026 Client provided evidence of monthly payment on Promissory Note to Mom in the amount of $XXX from XXX - XXX with XXX history and provided evidence of
XXX, XXX and XXX evidence of payment w/XXX Bank; VOM was also provided and completed by B2 Mom (Private Lienholder) with satisfactory payment history since XXX however was not able to provide evidence of the additional months receipt of
payment with cancelled checks, etc from XXX - XXX XXXClient provided exception approval for missing cancelled check etc. mortgage history from XXX - XXX XXX(Private Lienholder/Mom)
|
Exception approved, B Grade
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has xxx for XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409041845
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing Homeowners Insurance for XXXPer Final 1003 it shows $XXX/month for Escrows on XXX Provide LOE. Could only verified $XXX/month in taxes. Used $XXX/month
HOI from 2025 Schedule E however requesting HOI Binder.
|
5.1.2026 Client provided HOI policy for XXX verifying monthly HOI of $XXX however still missing evidence of the additional amount of $XXX used on REO of 1003 for
this property; per initial condition taxes was $XXX Condition remains 5.8.2026 Client provided lender LOX stating the total expense of $XXX is calculated using: expenses minus depreciation = $XXX; Response, condition remains for Lender
rental worksheet for this property: XXX to support the negative net of $XXX that is being used by Lender and compare with DD Firm negative loss to determine where we are off in calculation. 5/13 Client provided rental income calulation using
schedule E
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has xxx for XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409041845
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
SSR exceeds 2.5, CDA/CCA is required
|
5.1.2026 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has xxx for XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409041880
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Provide 2024 1040 Personal income tax returns for B3/B4; they must be complete with all schedules (W-2 forms, K-1s etc.) and must be signed and dated. In lieu of
a signature, personal tax transcripts for the corresponding year may be provided
|
3/19 Client provided W2 transcripts; condition remains for signed 2024 1040s or or 2024 1040 tax transcripts 4.3.2026 Client provided Affiliated business LOX
however prior update requested for: signed 2024 1040 or 2024 1040 tax transcripts. Condition remains 4.11.2026 Client provided (duplicate previously provided on 3.18.2026) w2 transcripts and other documents however still missing: signed 2024
1040s or 2024 1040 transcripts. Condition remains 4.16.2026 Client provided XXX 1040 Transcripts for B3/B4
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: 766 credit score exceed guideline minimum of 660
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum requirement of XXX%
|
|
409041999
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC152
|
Missing verbal VOE required by guidelines
|
No
|
Missing verbal XXX VOEs for borrower 1 and 2 no more than (30) calendar days prior to the Note date.
|
4.2.2026 Client provided SOS for B2 dated XXX and provided B1 online website dated XXX however do not reflect status Active, etc for business for B1; condition
remains for 3rd party acceptable SOS/VVOE for B1 XXX 4.7.2026 Client provided post close dated 4.6.2026 SOS for both borrowers XXX with active status, previously provided B1 online websited dated XXX however was missing status existence of
business.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% CLTV below guideline requirements of XXX% per program.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with xxx Mortgage payment history exceeds guidelines of XXX months.
|
|
409041999
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL865
|
Title incomplete
|
No
|
Missing one of the following: Preliminary Report, Title Commitment, or Title Policy.
|
4.2.2026 Client provided Prelim Title Commitment for subject and loan file have a copy of Grant Deed with vesting
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% CLTV below guideline requirements of XXX% per program.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI below guideline requirement of XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with xxx Mortgage payment history exceeds guidelines of XXX months.
|
|
409042012
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
A COC dated XXX is in file; however, a corresponding disclosure is missing.
|
04/21/26 Client provided a XXX COC, screenshot of the XXX COC and the following Seller comment: There is not a disclosure dated XXX. The COC generated the
incorrect dates in error. The timestamp confirms that the COC was generated on XXX to correspond with the LE dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
|
|
409042012
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
|
|
409042012
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
XXX% tolerance in the amount of $XXX due to Recording Fees increased on LE XXX without a COC in file. Condition pending receiving a valid Change of Circumstances
or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/21/26 Client provided a XXX COC validating the Recording Fee increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
|
|
409042056
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409042056
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
XXX reserves short; $XXX * XXX = $XXX reserves required. Missing XXX xXXX statements.
|
4.10.2026 Client provided XXX #XXX XXX and XXX statements with balance of $XXX; sufficient funds to close met and verified reserves sufficient
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409042056
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3036
|
Assets reflect unsourced deposits
|
No
|
Missing source of large deposit $XXX on XXX in XXX x XXX.
|
4.10.2026 Client provided XXX #XXX XXX and XXX statement and reflected on this statement withdrawal out on XXX of $XXX to XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409042084
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > thanreserve requirement $XXX. Reserve requirement met.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
|
|||||||||||||||
|
409042111
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of missing XXX months VOE
|
3.25.2026 Client provided signed letter of explanation from Borrower regarding Gap of employment from XXX - XXX and 1003 have breakdown of prior employment,
prior to the gap of employment. Current employment started XXX- current and prior employment was from XXX - XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409042111
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.
|
(No Data)
|
Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no
violation.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409042111
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3646
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient
credit or refund provided
|
No
|
XXX percent tolerance in the amount of $XXX due to Title Lender's Policy fee increase with no COC in file to support it. Full amount for XXX% tolerance is $XXX,
lender's credit for tolerance cure $XXX was applied, additional $XXX is required. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via
shipping that includes tracking information.
|
03/25/26 Client provided the following Seller comment: Could you please provide your cure calculations? As XXX was passing and calculates the cure that was
given. Condition remains. Internal testing includes the Title-Lenders Title Insurance, Title-Settlement and Title-XXX Guaranty fees in our XXX% testing. Per the XXX, Lender is including an additional $XXX Recording Fee which was not paid by
the Borrower. This fee was excluded from internal testing and is the reason for the discrepancy. Condition remains.04/03/2026 Client provided PCCD XXX with $XXX cure, copy of $XXX cure check, LOE and delivered tracking.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409042111
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Note date XXXProvide prior VOE(S) from minimum XXX - XXX to complete required XXX month employment verification. May be subject to additional conditions upon
review
|
3.25.2026 Client provided signed letter of explanation from Borrower regarding Gap of employment from XXX - XXX and 1003 have breakdown of prior employment,
prior to the gap of employment. Current employment started XXX - current and prior employment was from XXX - XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409042111
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Provide missing 1008.
|
3.23.2026 Client provided lender 1008 with DTI XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409042397
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX tolerance in the amount of $XXX due to Inspection Fee was added to CD XXX without a valid COC in file. Condition pending receiving a valid Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
05/19/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and delivered shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX at the current residence
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX in the current job.
|
|
409042468
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
List of homeowners counseling organizations in file is dated XXX which is more than XXX days of application date of XXX
|
04/22/2026 Client provided missing List of homeowners counseling organizations dated XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow 660
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX =
$ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409042468
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Initial application was taken XXX, the earliest LE in file was issued on XXX. Missing initial LE disclosed to borrowers within XXX days of application.
|
04/22/2026 Client provided missing Initial LE XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow 660
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX =
$ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409042494
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR signed on XXX with end of rescission date XXX . Final CD XXX with disbursement date of XXX. Disbursement date is before end of statutory rescission period.
Condition is pending receiving final ALTA statement with later disbursement date and corrected PCD with LOE and proof of delivery to borrower
|
04/10/26 Client provided rebuttal stating the date of consummation occurred on XXX and end of rescission on XXX is calculated correctly. Condition remains. The
exception triggered due to the Disbursement Date on the CD shows XXX, which loan cannot disburse on the same date the ROR expires. File contains an "Amended Estimated" Refinance Statement showing Disbursement on XXX. Condition remains for a
signed/stamped "Final" settlement statement and corrected Post CD reflecting all of the funding changes.04/22/2026 Client provided Finding XXX PCCD with matching, signed Final ALTA/Settlement, LOE and copy of Disbursement Summary.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B4 has been in the same profession for XXX years
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|
409042494
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form.
|
3/31/26 Client provided approved exception for the incorrect ROR form used.
|
3/31/26 Initial & Final Grade 2/B.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B4 has been in the same profession for XXX years
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|
409042505
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
RESPA: Required Affiliate Business Disclosure missing
|
04/10/26 Client provided a list of affiliates from Lender - none related to any settlement/service provider.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX /XXX months> than reserve requirement $XXX. Reserve requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409042505
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX /XXX months> than reserve requirement $XXX. Reserve requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409042505
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
Provide full, complete appraisal - all pages, including missing maps, license, photos, etc. May be subject to additional conditionsupon review.
|
4.7.2026 Client provided executed full complete copy of subject appraisal including all applicable pages, photos, map, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX /XXX months> than reserve requirement $XXX. Reserve requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409042505
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal report is missing appraiser signature.
|
4.7.2026 Client provided executed full complete copy of subject appraisal including all applicable pages, photos, map, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX /XXX months> than reserve requirement $XXX. Reserve requirement met.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409042605
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing current housing verification for the borrowers. Missing tax calcuation
|
4/3 Client provided the taxes and housing history
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
409042605
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing XXX months verification of rent for borrower's current housing at XXX. Per guidelines, If the borrower(s) has a rental history in the most recent XXX
(XXX) months, a VOR must be obtained reflecting xxx in the last XXX (XXX) months. Borrower provided XXX Bank#XXX bank statements that reflect only 9 rent payments. Missing XXX, XXX and XXX XXX.
|
4/3 Client provided a narrative of the XXX months payment history
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
409042605
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL988
|
Loan File is Missing or Contains Insufficient Documentation for Basic Review
|
No
|
Missing Tax Calculation statement to support $XXX reporting on 1008.
|
4/3 Client provided corrected tax calculation of $XXX with corrected 1003/1008
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
409042610
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing income docs
|
4.29.2026 Client provided copy of Business Transcripts for Form 1120L and only verifying business total assets End of Tax year, no income verified per the
Business returns. Initial condition remains 4/30 On review Transcripts have income summary
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXXcredit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409042610
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Disclosure Tracking in file shows a closing disclosure sent and received by borrower on XXX. Pending copy of closing disclosure dated XXX
|
04/21/26 Client provided the missing XXX PCCD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXXcredit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409042610
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Provide a signed copy of the borrower's 2025 YTD Profit and Loss Statement plus 2023/2024 1120 Tax Return Transcripts for XXX/XXX/XXX & XXX. Evidence in the
file indicate lender's attempt to acquired borrower's 1120 Business Tax Returns Transcript for 2023/2024 and no record of return filed.
|
4.29.2026 Client provided 2025 P&L satisfied; and copy of Business Transcripts for Form 1120L and only verifying business total assets End of Tax year, no
income verified per the Business returns. Initial condition remains for complete Bus Transcripts with income 4/30 Client asked for a review; upon review the transcripts include an income summary supporting income
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXXcredit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409042659
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing CD from refinance of XXX support new PITI $XXX.
|
5.4.2026 Client provided executed Final CD from refinance of XXX supporting PITI of $XXX and evidence of monthly HOA was not verified on CD, file have evidence
of HOA amount of $XXX ; this property was previously free and clear of liens and with refinance now having a 1st lien.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum 660.
|
|
409042666
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history shows zero derogatory events since account opening XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|||||||||||||||
|
409042713
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
B
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor
|
3/23/2026 Client provided an exception approval for using incorrect ROR form
|
3/23/2026 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying score XXX; Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409042713
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
B
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
B
|
B
|
Credit
|
Application
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAPP1813
|
Undisclosed non-arm's length transaction
|
No
|
Borrower is employed by Lender. Per guidelines, please provide below. May be subject to additional conditions upon review."Lender must have an established
employee loan program. Evidence of employee program to be included in loan file"
|
4.1.2026 Client provided Lender established employee loan program policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying score XXX; Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409042725
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Missing sufficient liquid assets in the approximate amount of $XXX to cover closing costs.
|
4.8.2026 Client provided XXX #XXX XXX XXX statement however more recent print out for this account dated XXX is being used for this account. Initial condition
remains 4.8.2026 Client provided requested clarification of the initial condition and it appears short liquid funds to close is correct by XXX due to same liquid assets verified as listed on 1003 and other assets are 401k (non liquid), XXX 30
YR loan file. Condition remains for short liquid funds to close by XXX4/10 Client provided an Email; Gift funds $XXX added to assets
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Fico score XXX exceeds guide lines of XXX.
|
|
409042777
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
File is missing 2025 W2 for borrower 1's current employer (XXX)
|
4/14 Client provided 24/25 1099 from XXX; Borrower is a XXX 1099 contractor with XXX, provide updated 1003/1008 and AUS with B1 XXX 1099 contract income;
additional conditions may apply 5.1.2026 Client provided an upload however there was an error opening this document. The file is damage and could not be repaired. Please re-send. 5/4 Client asked for a review; Upon review the Borrower is a
W2 employee as of 1/2026, Corrected AUS is still required as Borrower was previously 1099 XXX additional income docs may be required pending corrected AUS approval; Paystubs in file for B1 confirm taxes are withheld; Email from Employer
confirming W2s employee was not located please resend 5/5 Client provided Email from employer showing W2 as of XXX; Condition remains for Corrected AUS is still required as Borrower was previously XXX 1099 XXX additional income docs may be
required pending review of corrected AUS approval;5/6 Client provided the updated AUS
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409042778
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Lender did not provide an ATR/QM status determination.
|
4.30.2026 Client provided Lender Mavent w/QM Safe harbor status determination
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409042820
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
|
|||||||||||||||
|
409042829
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Missing list of homeowners counseling organizations
|
04/17/2026 Client provided missing List of homeowners counseling organizations dated XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX+ years at current employment.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409042829
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR2442
|
Incorrect ROR Form Used - H8 for refi with same lender, 3rd Circuit state (has held H8 to be defective)
|
No
|
Per title commitment, loan originated with the same creditor. Incorrect H8 ROR form was used for this refinance transaction. Condition is pending receiving a
correct version H9 of NORTCs to all entitled to rescind to re-open rescission, LOX to borrower and proof of delivery with tracking information.
|
04/17/2026 Client provided re-opened H9 forms, expiration dated midnight XXX with email reflecting email of documents on XXX with disclosure tracking in file
reflecting consent dated XXX. Condition remains for end of rescission period. 04/23/26 The new rescission period is now expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX+ years at current employment.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409042829
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD
|
04/17/2026 Client provided missing Initial CD XXX with disclosure tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX+ years at current employment.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409042829
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD 3/25/2026 is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing.
|
04/17/2026 Client provided missing Initial CD 3/16 with disclosure tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX+ years at current employment.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409042829
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
Missing copy of evidence of hazrd insurance.
|
4.15.2026 Client provided subject HOI policy, sufficient coverage
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX+ years at current employment.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409042879
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have resided in current home for XXX
|
|||||||||||||||
|
409042898
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Lender to provide an ATR/QM status determination.
|
4.22.2026 Client provided Lender Mavent w/QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At job since XXX
|
|
409043024
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Appraisal Fee on LE XXX without a valid COC. Condition pending receipt of a valid Change of Circumstances
or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
04/20/26 Client provided another XXX COC for the Appraisal Fee increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
|
|
409043028
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing property tax statement, insurance and proof free and clear for XXX NJ XXX.
|
5.6.2026 Client provided documentation verifying taxes, HOI and having no monthly HOA and being free and clear of liens; total used on REO of 1003 for taxes/HOI
is verified.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX at current employment.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX > reserve requirement $XXX.
|
|
409043107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
The file does not contain a copy of the Affiliate Business Disclosure.
|
04/22/2026 Client provided the missing Affiliate Business Disclosure
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower XXX years at current employment
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|
409043107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing VOE for both borrowers
|
4/23 Client provided an approvd exception to allow the file wihtout the VVOEs
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower XXX years at current employment
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|
409043133
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409043133
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Missing a VOE for B2 within 10 days business days. Most recent VOE for B2 is dated XXX; Note date XXX
|
4/10 Client provided a VVOE dated XXX for B1 ; Condition is for B2 XXX Client provided VVOE for B2
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409043163
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Tax Verification fee $XXX was added to final LE XXX section B. COC issued XXX does not list fee amount or any details as to why fee was added. No cure provided
on final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery.
|
04/14/26 Client provided a XXX PCCD with $XXX cure credit and LOE to Borrower. Condition remains for the $XXX refund check and proof of delivery.04/17/26 Client
provided the refund check and delivery confirmation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXXqualifying score; XXXrequired.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
409043188
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
The file is missing pages from the 401k statement #XXX for both months.
|
5.12.2026 Client provided email from XXX stating this account are self-directed 401k account that cannot be included in the loan as her employer is the Trustee.
Response, XXX #XXX with balance of $XXX have been removed from assets due to LOX from XXX, updated reserves are $XXX (with removal). Borrower is now short reserves. Condition remains, verified reserves are $XXX; short reserves for subject
transaction. 5/20 Client asked for clarification' Client provided a email from XXX stating this account are self-directed 401k account that cannot be included in the loan as her employer is the Trustee. The statement we provided is the only
account she has that is not associated with her employer" Response Upon review by XXX XXX; provide clarification from XXX with account #s confirming which accounts the Borrower has access to withdraw funds with terms of WD, and with complete
pages of the 401k statements for #XXX if found to be eligible 5.22.2026 Client provided email post close dated XXX from XXX Client relationship along with print out showing highlighted account that borrower can withdraw from and the
highlighted account is #XXX says current balance $XXX however Available Balance for withdrawal is XXX. In addition, prior to closing file have a XXX statement for this same account XXX that reflect balance of $XXX in which is what is being
used currently in available assets. Condition remains short reserves for this transaction due to removal of #XXX; verified reserves are $XXX or XXX months 6/2 Client provided Email for XXX indicating the XXX is just a residual cash balance
and the Bwr has access to full bakance to withdraw
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
|
|
409043188
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
The file is missing evidence of the existence of the borrower's business XXX within 30 days of the note date.
|
5/12 Client provided an approved exception to allow the file without additional VVOE
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
|
|
409043247
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing verification of no HOA dues. Missing PITI docs for XXX.
|
3.27.2026 Client provided LOX stating, Comments for U/W Attached is final settlement statement confirming its a cash purchase hence no PI payment. Asset
statements in file to source all funds used to acquire this PUD. Secondly, I hit them with the taxes, insurance and HOA dues amounting to XXX/mo. HOA dues can be verified on the final settlement statement. see attached. Response, no final
settlement statement attached, please re-send. 3.31.2026 Client provided executed Final settlement statement for newly purchase property: XXX supporting HOA, Taxes and HOI; no PI paid cash for this property
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXXmid score > min required of XXX.
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: B1 income not used to qualify; 1099R 2025 $XXX / XXX = $XXX. B2 1099R 2025 $XXX / XXX= $XXX. 2 year tax returns are in the file.
|
|
409043259
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file
|
05/27/26 Client provided the XXX Initial CD package and tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
|
|
409043259
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing.
|
05/27/26 Client provided the XXX Initial CD package and tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
|
|
409043347
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX XXX score. Minimum required XXX.
|
|||||||||||||||
|
409043363
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. xxx mortgage payment history; xxxxXXX required.
|
|
409043368
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Closing date XXX. No evidence of initial CD provided to additional title holder or NBS. Condition pending receipt initial CD w/ proof of delivery at least XXX
days prior to consummation.
|
04/21/26 Client provided the Initial XXX CD delivered to both parties with confirmed receipt on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409043372
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Fico score XXXexceeds guide lines XXX.
|
|||||||||||||||
|
409043379
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Tax Service fee from LE XXX to LE XXX with no valid reasons documented on COC XXX. Condition is pending
receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/14/26 Client provided a copy of the XXX LE and a revised XXX COC adding the Tax Service Fee update, stating "based on Ln amt". Condition remains. Provide
documentation supporting how the Tax Service Fee was related to the Loan Amount increase, as the Loan Amount is not typically related to this fee. Subject to re-review.04/17/2026 Client provided email LOE stating tax service fee increased
with loan amount and the loan amount chart for fee.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
|
|
409043379
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS approval required for the XXX XXX program.
|
4.10.2026 Client provided DU A/I submission #6 dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
|
|
409043440
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
HOI Dwelling Coverage = $ XXX Note Amount = $ XXX. File is missing cost to rebuild data information.
|
4.14.2026 Client provided email from insurance regarding policy being written as is replacement cost coverage.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409043443
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/ XXX = XXX months PITIA > min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has xxx for XXX months.
|
|||||||||||||||
|
409043481
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409043481
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
The photos are missing.
|
4.1.2026 Client provided full executed complete copy of subject appraisal including all applicable pages, photos, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409043481
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraiser signature missing.
|
4.1.2026 Client provided full executed complete copy of subject appraisal including all applicable pages, photos, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409043481
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
The photos are missing.
|
4.1.2026 Client provided full executed complete copy of subject appraisal including all applicable pages, photos, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409043568
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Closing date XXX. Initial CD date issued XXX. No Confirmation of Receipt and no evidence in file for all both holders receiving initial CD w/ proof of delivery
min XXX days prior to consummation.
|
04/07/2026 Client provided Disclosure tracking reflecting CD received by the Borrower. Condition remains. Provide evidence of the receipt by the
Non-Borrower.04/16/2026 Client provided a screen print of Disclosure details reflecting CD sent and viewed XXX by both XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same line of work for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Months PITI (Qual Rate) XXX of $XXX verified exceed guideline requirement for subject $XXX x XXX =$XXX + REOs: $XXX x XXX =$XXX + $XXX x XXX
=$XXX for a total required reserves of $XXX.
|
|
409043568
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Rental Income was used to offset existing PITIA of $XXX for XXX. Lease agreement in the file. Provide evidence of borrower receipt of the security deposit for
$XXX and prorated first full month's rent check for $XXX for newly executed agreements.
|
4/16 Client provided the lease agreement; Condition remains for evidence of borrower receipt of the security deposit for $XXX and prorated first full month's
rent check for $XXX for newly executed agreements.4/20 Client provided rent income history with deposit and rental payments
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same line of work for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Months PITI (Qual Rate) XXX of $XXX verified exceed guideline requirement for subject $XXX x XXX =$XXX + REOs: $XXX x XXX =$XXX + $XXX x XXX
=$XXX for a total required reserves of $XXX.
|
|
409043568
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Provide a signed appraisal. Missing Appraiser's License and E & O Insurance
|
4.3.2026 Client provided executed full complete copy of appraisal with all applicable pages including photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same line of work for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Months PITI (Qual Rate) XXX of $XXX verified exceed guideline requirement for subject $XXX x XXX =$XXX + REOs: $XXX x XXX =$XXX + $XXX x XXX
=$XXX for a total required reserves of $XXX.
|
|
409043568
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR271
|
Comp photos are missing
|
No
|
Provide comparable photos. Missing Location and Plat Maps
|
4.3.2026 Client provided executed full complete copy of appraisal with all applicable pages including photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same line of work for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Months PITI (Qual Rate) XXX of $XXX verified exceed guideline requirement for subject $XXX x XXX =$XXX + REOs: $XXX x XXX =$XXX + $XXX x XXX
=$XXX for a total required reserves of $XXX.
|
|
409043568
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR281
|
Subject Photos are missing
|
No
|
Provide subject photos
|
4.3.2026 Client provided executed full complete copy of appraisal with all applicable pages including photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same line of work for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Months PITI (Qual Rate) XXX of $XXX verified exceed guideline requirement for subject $XXX x XXX =$XXX + REOs: $XXX x XXX =$XXX + $XXX x XXX
=$XXX for a total required reserves of $XXX.
|
|
409043851
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409044140
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Fico score XXX exceeds guide lines of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
|
|
409044146
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per COC 3/25/26 and XXX in file, a revised/ last LE was issued on XXX but is missing in file.
|
04/22/26 Client provided an LOE from Seller indicating pricing was updated on XXX however it was not redisclosed to borrower. Supported by the Tracking in file.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX = XXX months reserves > program requirement of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409044146
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller Paid fees missing from Closing Disclosure
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX = XXX months reserves > program requirement of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409044177
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months rent payment history xxx.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX /XXX month > reserve requirement $XXX.
|
|||||||||||||||
|
409044324
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR signed on XXX with end of rescission date XXX. Final CD XXX with disbursement date of XXX. Disbursement date is before end of statutory rescission period.
Condition is pending receiving final ALTA statement with Disbursement date, corrected Disbursement date on PCD, LOE and proof of shipping
|
05/11/26 Client provided a Refinance Statement and XXX PCCD with revised values. Condition remains. Provide the signed or stamped copy of the Final Refinance
Statement.05/29/26 Client provided the signed/stamped Final Closing Statement confirming disbursement on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|
409044324
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Application
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAPP130
|
Application is incomplete
|
No
|
1003 for B2 shows borrower is a XXX However there is a I-797A in file. Provide corrected 1003.
|
5.11.2026 Client provided Lender updated 1003 for B2 reflecting as XXX. Response, it appears all documents (Note, Mortgage, 1003, DU etc) reflect B2 name as:
XXX Given XXX and I-797 Notice of Action states First (Given) Name as XXX(first name unknown) using Family Name of XXX. Condition remains for Lender LOX regarding B2 name reflecting as XXX Given, and XXX appears to be Family name, with First
name being unknown. 5.22.2026 Client provided Borrower LOX stating this is the legal name what is reflecting on vesting, which is XXX Given XXX and matches the Social Security card on file. File having SSA-89 Verification Summary (pg 66) as
SSA Verified identity: Pass with first name as XXX Given and Last name XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|
409044365
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower XXX years at current employment
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
|
|
409044379
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|||||||||||||||
|
409044396
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserverequirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
|
|
409044592
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
|
|||||||||||||||
|
409044634
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
C
|
B
|
C
|
B
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Lender omitted a debt with XXX reported on credit with a payment amount of $XXX and balance of $XXX. File is missing a credit supplement verifying the account
balance is XXX, or other documentation supporting the omission of this debt.
|
4.16.2026 Client provided Business bank statement w/XXX Bank #XXX to support business making payments for XXX however only month was provided XXX that reflect a
payment on XXX to XXX for $XXX and this is the only month provided in addition unable to determine this is for the XXX in question, per initial condition and this business bank statement reflects several NSF paid item fees. Initial condition
remains to support XXX debt being omitted from DTI. Note: XXX auto have already been omitted from DTI and documentation is in file to support omission however initial condition is to support omission of XXX # XXX debt with payment of $XXX5/12
Client provided an approved exception to allow the file with evidence in file showing XXX is paid by the Business; Email showing several payments made by the Bus Summit Luxury to XXX, XXX listed as Bus account on credit
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrowers have been XXX with current business since XXX.
|
|
409044634
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
File is missing the XXX 1084, or XXX Form 91 or equivalent for both borrowers' XXX analysis.
|
4.16.2026 Client provided lender Cash Flow Income Analysis for both borrowers XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrowers have been XXX with current business since XXX.
|
|
409044635
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
|
|
409044635
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX tolerance in the amount of $XXX due to Appraisal Fee increased on LE XXX without a valid COC in file. Condition pending receiving a valid Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
05/21/26 Client provided a duplicate copy of the XXX LE and COC package. Condition remains. The COC does not reflect a valid change in circumstance explanation
for increasing the Appraisal Fee. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery that includes tracking information.05/29/26 Client provided a XXX Email between the XXX and the Lender, LOE from Lender and XXX
payment receipt for the Appraisal Fee. Condition remains. The Email discusses the fee increase reasons from the XXX, however supporting documentation is needed from the time of the change in order to validate the fee increase to borrower.
Provide support documentation (LOS Notes, Appraisal Order Log, etc.) that provides the fee increase details/reasons from the Appraisal Co. within XXX of the fee addition for review, OR provide borrower with a $XXX refund, PCCD with cure, LOE
and proof of delivery with tracking.06/02/2026 Client provided PCCD XXX with cure, Copy of cure check, LOE and in transit shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
|
|
409044695
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XX%.
|
|
409045027
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form
|
4/7/26 Client provided an approved exception for using incorrect ROR form
|
4/7/26 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITI $XXX = XXX months reserves > program requirement of XXX months.
|
|
409045027
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to added Appraisal Desk Review fee on LE XXX with no valid reasons documented don COC XXX. Condition is pending
receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/17/2026 Client provided XXX disclosures including COC XXX reflecting Program change and Rate extension resulting in CDA fee added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITI $XXX = XXX months reserves > program requirement of XXX months.
|
|
409045029
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per XXX andXXX, file is missing LE XXX, LE XXX and Initial CD XXX. Provide all missing disclosures and corresponding COCs as applicable.
|
06/09/26 Client provided duplicate copies of the XXX COC and XXX LE, along with the missing XXX COC, XXX LE, XXX COC, XXX CD and XXX CD. Condition remains for
the missing, Initial XXX LE.06/11/2026 Client provided missing Initial LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 112 points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
409045029
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
06/09/26 Client provided the missing XXX COC, XXX LE, XXX COC, XXX CD and XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 112 points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
409045029
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD acknowledged by borrowers a minimum of XXX prior to closing.
|
06/09/26 Client provided the missing XXX COC, XXX LE, XXX COC, XXX CD and XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 112 points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
409045029
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX Tolerance in the amount of $XXX due to Discount Points increased on CD XXX without a COC in file. Condition is pending receipt of missing disclosures along
with corresponding COCs. Additional conditions may be applicable.
|
06/09/26 Client provided the missing XXX COC, XXX LE, XXX COC, XXX CD and XXX CD. Re-testing results in no violation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 112 points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
409045037
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Documentation
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPDOC3076
|
Legal document was not executed or is incomplete
|
No
|
Note indicates borrower's spouse as B2 - signed both Individually & Trustee vs. Final 1003 & the rest of pertinent docs indicate 1 borrower/individual
credi
|
5.11.2026 Client provided updated executed Note with B2 signing only as Trustee vs Individually however Mortgage/Deed of Trust in file (pg 409) reflect B2 as
also signing Individually vs signing only as Trustee. Condition remains updated Note for B2 now reflecting as signing as Trustee only however, B2 Mortgage/Deed of Trust reflect signing as Individually. 6/3 Client asked for a review; Upon
review by XXX XXX; bwr signing indiviaually and as Trustee on DOT is considered NON Material as an Over sign
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
|
|
409045037
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Application
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAPP130
|
Application is incomplete
|
No
|
The spouse of Borrower 1 signed the Note as individually and the file does not contain an application for the spouse/co-borrower.
|
4/28 Client asked for clarification; Upon review to cure this condition provide a corrected note signed only by the Borrower, with correction affidavit 4/30
Client provided LOX from title CO that Spouse is signing as trustee; Provide corrected Note with Spouse signing only as trustee and not as individual/trustee with affidavit5.11.2026 Client provided updated executed Note with B2 signing only
as Trustee vs Individually however Mortgage/Deed of Trust in file (pg 409) reflect B2 as also signing Individually vs signing only as Trustee. Condition remains updated Note for B2 now reflecting as signing as Trustee only however, B2
Mortgage/Deed of Trust reflect signing as Individually. 6/3 Client asked for a review; Upon review by XXX XXX; bwr signing indiviaually and as Trustee on DOT is considered NON Material as an Over sign
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
|
|
409045037
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH183
|
Credit report incomplete
|
No
|
The spouse of Borrower 1 signed the Note as individually and the file does not contain a credit report for the spouse/co-borrower.
|
5.11.2026 Client provided updated executed Note with B2 signing only as Trustee vs Individually however Mortgage/Deed of Trust in file (pg 409) reflect B2 as
also signing Individually vs signing only as Trustee. Condition remains updated Note for B2 now reflecting as signing as Trustee only however, B2 Mortgage/Deed of Trust reflect signing as Individually. 6/3 Client asked for a review; Upon
review by XXX XXX; bwr signing individually and as Trustee on DOT is considered NON Material as an Over sign
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
|
|
409045153
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been in the current job for XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX at the current residence.
|
|
409045153
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX tolerance in the amount of $XXX due to added Appraisal XXX fee on final CD XXX with no valid reasons documented on COC XXX. XXX was ordered on XXX, fee was
not disclosed timely. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
05/27/26 Client provided a XXX PCCD, LOE, $90 refund check and shipping label. Tracking shows only the label has been created. Condition remains for the proof of
shipment.06/02/2026 Delivery verified.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been in the current job for XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX at the current residence.
|
|
409045231
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
DTI XXX%, per AUS account omitted XXX XXX #XXX, XXX XXX#XXX, XXX#XXXand XXX#XXX, Lender to provide above accounts are paid in file, to remove from DTI
|
4/23 Client provided an Email. On review Bwr is not on departure mortgage, only TI included in DTI
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good mortgage history xxxxXXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
|
|
409045231
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Transfer taxes increased to $XXX on revised CD XXX section E. COC issued XXX does not list fee amount or give sufficient details as to why fee was added. No
cure provided on final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery.
|
04/22/2026 Client provided COC XXX stating Tax Stamps to be paid by the Borrower and not the Seller. Condition remains. Provide further documentation of the
change that occurred resulting in Seller paid fee to Borrower Paid. 05/04/2026 Client provided PCCD XXX with cure, LOE, check approval and delivered tracking information. Condition remains for a copy of the refund check. 05/06/26 Client
provided a screenshot of a check issued XXX for $XXX. Condition remains. Lender to clarify what this check is for, as the cure refund amount was only $XXX(as disclosed on the borrower LOE and PCCD). Also, the LOE to borrower indicates the
$XXX check would be issued within the next XXX-XXX business days. Lender to confirm that check was included in the PCCD package shipped on XXX05/12/26 Client provided an Email chain from Accounts Payable dated XXX that indicates they approved
the combining of an existing pending payment with this special payment into one total check for $XXX. Tracking accepted with shipment on XXX and delivery on XX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good mortgage history xxxxXXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
|
|
409045231
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Assets
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing 2 consecutive statement for stock account XXX to support $XXX
|
4.22.2026 Client provided two months XXX #XXX statements (XXXand XXX XXX) supporting requested balance.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good mortgage history xxxxXXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
|
|
409045231
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
B
|
A
|
A
|
A
|
D
|
B
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI106
|
Debt Ratio Exception >5% and <10%
|
No
|
DTI XXX%, per AUS account omitted XXX XXX #XXX, XXX XXX #XXX , XXX #XXX and XXX #XXX, Lender to provide above accounts are paid in file, to remove from DTI
|
4/23 Client asked for a review; on review debts updated and Bwr is not on departure mortgage, only TI included in DTI
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good mortgage history xxxxXXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
|
|
409045264
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Provide DU/AUS used to underwrite loan. Per 1008 loan was underwritten to DU
|
6.5.2026 Client provided updated 1008 reflecting as LP Accept underwritten with file having LP approval #8 submission
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
|
|
409045282
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide documentation that mortgage payment of $XXX for XXX includes escrows and that there is not a monthly HOA for reserve purposes.
|
6/2 Client provided CD shoeing property was sold
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX XXX on current mortgage
|
|
409045282
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAPROP177
|
Property Issues Indicated
|
No
|
Appraisal states the subject has a portion of a XXX located on it and confirmed with city records. Also noting that the XXX ceased being used in XXX and at the
time of inspection no visible signs of a XXX noted. Also that it is unknown if XXX still exist around the site. File is missing supporting documentation to evidence that no destruction or desecration of a XXX, including evidence of
pertaining to removal XXX which is subject to local and state jurisdiction. It should also be noted that state law requires a private property owner to allow family members of the XXX and XXX to have access to XXX on the site. Please
provide further clarification, if well is located on subject property, how many properties the well serves, and the existence of legal access easements and maintenance agreements.
|
6.2.2026 Client provided an email (appears to be from Attorney law firm) stating as for title there will be an exception to the right of access but there will be
affirmative covenant protect Lender should it cause any issues with the improvements having to be messed with the state to provide the appropriate coverage to hopefully make y'all good with it. Response, (a). Title exception to the right of
access to protect Lender was not provided for review (per attorney emails) and (b). still missing additional requested documentation per initial condition, for further review, if well is located on subject property, how many properties the
well serves, and the existence of legal access easements and maintenance agreements. Note: also XXX snippet was provided regarding access to XXX on Private Property 6.8.2026 Client provided appears to be Final Title that reflect having ALTA
Endorsement 8.1 and ALTA Endorsement XXX attached to this policy and #XXX was also added to Final Title, however initial requested condition still to be addressed: (1) File is missing supporting documentation to evidence that no destruction
or desecration of a XXX, including evidence of pertaining to removal XXX which is subject to local and state jurisdiction. It should also be noted that state law requires a private property owner to allow family members of the XXX and XXX
to have access to XXX on the site. (2). Please provide further clarification, if well is located on subject property, how many properties the well serves, and the existence of legal access easements and maintenance agreements.6/9 Client
provided Title with #XXX defining access rights; and LOX that property is served by Public water; docuents in file indicate public water
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX XXX on current mortgage
|
|
409045283
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Unable to validate income for either borrower due to missing the required XXX months business tax returns.
|
5/1 Client provided the 2024 1120s for B2 supporting $XXX Still missing B1 2024 signed 1120s supporting B1 income used to qualify 5/7 Client provided 24 1120s
with B1 K1s
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
409045283
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
File is missing XXX months business tax returns for borrowers. Unable to validate income.
|
5/1 Client provided the 2024 1120s for B2 supporting $XXX Still missing B1 2024 signed 1120s supporting B1 income used to qualify 5/7 Client provided 24 1120s
Including B1 K1s
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
409045286
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Provide Affiliate Business Disclosure or FACTS sheet. Lender is not disclosed on the Lender Affiliate List.
|
05/18/2026 Client provided a copy of an email from the Lender stating that the XXX is no longer needed as the Bank has sold their only Affiliate with the press
release.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409045286
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
CD disclosed on XXX and closing took place XXX, adhering to the XXX rule. Please provide any missing LE's and CD's along with any COC's and tracking information
if applicable for proper testing.
|
05/18/2026 Client provided the missing Initial XXX CD along with a draft copy and duplicates of LE XXX and Final CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409045286
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Loan consummated after XXX adhering to the waiting period, Please provide any missing LE's and CD's along with any COC's and tracking information if applicable
for proper testing.
|
05/18/2026 Client provided the missing Initial XXX CD along with a draft copy and duplicates of LE XXX and Final CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409045286
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing XXX required for XXX XXX XX program.
|
5.18.2026 Client provided XXX XXX Approve/Ineligible submission #XXX dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409045286
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support the appraisal value of $XXX.
|
5.18.2026 Client provided 3rd party XXX valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409045416
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX tolerance in the amount of $XXX due to increase in Discount Points from $XXX on initial CD XXX to $XXX on final CD XXX. Both COCs in file dated XXX and XXX
don't include valid reasons as to why fee increased. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking
information.
|
05/07/2026 Client provided duplicate XXX CD with COC. Condition remains for the change that occurred resulting in the increase of discount points on COC XXX
and COC XXX for re-review or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 05/19/2026 Client provided email reflecting increase of discount points. Email also reflects that the last 2 COC's were
for Extensions. Condition remains. Provide additional information/evidence for extensions via COC stating or Interest rate locks, for re-review. or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery. 05/27/26 Client
provided an Email reflecting the XXX COC. Upon re-review, the file contains a Lock History showing the XXX and XXX Lock Extensions (the XXX Rate Lock Agreement was also located).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimumXXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX at current residence.
|
|
409045416
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR119
|
Appraisal documentation does not support occupancy
|
No
|
Property under renovation, lox in file stating occupancy status as primary.
|
5.11.2026 Client provided duplicate (in file) water bill and LOX on Occupancy for subject as Primary, currently vacant. Borrower current home is XXX. and
subject address is XXX.; where Borrower is currently occupying XXX and subject having some renovations; Occupancy as Primary for XXX. is not supported. Condition remains Note: Agree water bill reflect in borrower name to support water is now
on and working for this address, don't support as occupying. 5.26.2026 Client provided updated appraisal showing as Owner occupied, condition remains for Occupancy status as Primary not supported. 5/26 Client provided an Email; Upon review by
XXX; Borrower signed LOX in file, property was vacant for renovations, now completed, Appraisal updated to owner occupied, utilities on in Bwr name
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimumXXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX at current residence.
|
|
409045471
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH118
|
Mortgage/rental lates exceed guidelines
|
No
|
The credit report reflects a 1x30 mortgage late in XXX which is within the most recent XXX months. The guidelines require xxx in the most recent XXX months.
|
5.1.2026 Client provided LOX stating, Appears to be servicing transfer related on mortgage co signed for XXX >XXX months <XXX months, borrower just now
disputing, LOE and servicing letter uploaded for review. Response with review of Servicing Letter from XXX stating as of XXX XXX Bank has transferred the serving of your Mortgage to XXX and the late payment appears to be for XXX per credit
report (pg 419) and XXX was the prior mtg before transferred and showing in remarks as being transferred, in addition LOX from Borrower (which is a Co-signor on this mtg loan), it does appear to be a servicing issue due to happening right at
time of loan being transferred from XXX to Mr. XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
|
|
409045471
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL225
|
Missing Rider
|
No
|
Possibly missing PUD Rider to Mortgage. Per Appraisal and Title Commitment, dwelling is in a subdivision with monthly HOA dues. Condition is pending further
information as to why PUD Rider was not issued.
|
5.28.2026 Client provided updated executed copy of Mortgage along with executed copy of PUD Rider however pg 12 of 12 is not fully executed notarized. Condition
remains for executed copy of updated Mortgage including notary page (12 of 12), with date of XXX 8:05 AM is time dated at bottom of this notary page. 6.9.2026 Client provided executed copy of PUD Rider along with reaffirmation, re-execution
and reacknolwdgment of previously recorded deed of trust.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
|
|
409045476
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Credit Report fee increased from LE XXX $XXX to final CD XXX $XXX. No COC provided listing fee increase or any details as to why fee increased. No cure provided
on final CD. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery.UPDATE: The Credit Report increased from $XXX to $XXX on LE XXX without a COC in
file. (Fee was then reduced to $XXX on the CDs) Provide the missing XXX COC for review, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery.
|
04/15/2026 Client provided Disclosures, including duplicate LE XXX, however is missing the COC for increase of the Credit Report fee. Condition remains,
Provide what change occurred resulting in the increase of the fee or provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery.04/22/26 Client provided an LOE to borrower and XXX PCCD. Condition remains. Provide the
missing $XXX refund check and proof of delivery.04/27/26 Client provided the refund check. Condition remains for the proof of delivery.04/30/26 Client provided the proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower XXX years at current employment
|
|
409045517
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
UCDP risk score of 5 requires a third party valuation.
|
4.9.2026 Client provided both full executed completed appraisals for subject transaction with both value of $XXX; value supported
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has xxx for XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045589
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL865
|
Title incomplete
|
No
|
Title evidence reflects loan amount $XXX and should be XXX.
|
6.4.2026 Client provided a handwritten Title with requested corrections. Condition remains for updated Title with correct proposed amount of insurance of $XXX
6.11.2026 Client provided updated Title with correct amount of insurance $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX*XXX= $XXX reserves required.
|
|
409045713
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX on current and previous mortgages
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409045996
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITI $XXX = XXX months reserves > program requirement of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|||||||||||||||
|
409046010
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX years.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. xxx mortgage payment history; xxxxXXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrowers have xxx for XXX months.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI
|
|||||||||||||||
|
409046015
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Missing CD provided to the borrower at closing on XXX. File only includes CD XXX e-signed on XXX and CD XXX.
|
04/22/26 Client provided the Disclosure Tracking, Initial XXX CD and the following Seller comment: Per the provided Disclosure tracking document, the only CDs
provided to the borrower were dated XXX, XXX and XXX. I have provided the XXX CD here as that was not mentioned in the condition comments as being found in the initial review package. Condition remains. Seller to confirm that the borrower
was not provided a closing CD at Consummation on XXX04/27/26 Client provided page 1 of the Disclosure Tracking that contains an LOE at the top stating they confirm the only CDs issued to the borrower were dated XXX, XXX and XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409046015
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Short funds to close by $XXX. Provide updated asset statements, meeting guidelines, supporting borrower had the required liquid funds to close. May be subject
to additional conditions upon review. * XXX 30 day balances subtracted from assets. XXX XXX XXX balance is $XXX as of XXX, lender used $XXX statement end date XXX. XXX account excluded since only one month was provided.
|
4/20 client provided LOX that XXX account funds were transferred to XXX XXX and funds wired from XXX to Title;
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409046032
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing Lease Agreements for the following investment properties: 1) XXX for $XXX. 2) XXX for $XXX. Without leases the full mortgage payments for these
properties would generate DTI > XXX%.
|
4.10.2026 Client provided a website for XXX however initial condition remains 4/13 Client provided Email with rental calculation source through taxes
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with xxx Mortgage payment history exceeds guidelines of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.
|
|
409046032
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD
|
04/10/26 Client provided the missing XXX Initial CD and COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with xxx Mortgage payment history exceeds guidelines of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.
|
|
409046032
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD XXX signed at closing on XXX is the only executed CD in file. Pending initial CD acknowledged by the borrower min XXX days prior to closing
|
04/10/26 Client provided the missing XXX Initial CD and COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with xxx Mortgage payment history exceeds guidelines of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.
|
|
409046032
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to added Discount Points on Revised CD XXX with no COC or Rate Lock in file. Condition is pending receiving Rate Lock
with initial CD or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
04/10/26 Client provided a missing XXX COC and Initial CD for the Lock/Points.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with xxx Mortgage payment history exceeds guidelines of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.
|
|
409046032
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC152
|
Missing verbal VOE required by guidelines
|
No
|
Missing verbal XXX VOEs for B1 and B2 verified through a third-party no more than 120 calendar days prior to the Note date.
|
4.10.2026 Client provided website XXX however not acceptable 3rd party, condition remains for acceptable 3rd party SOS for XXX for both borrowers (both borrowers
work for same XXX). 4.15.2026 Client provided post close SOS dated 4.15.2026 (post) for each borrower, both borrowers work for same XXX)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with xxx Mortgage payment history exceeds guidelines of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.
|
|
409046032
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL865
|
Title incomplete
|
No
|
Missing Preliminary Title Report or Title Commitment.
|
4.3.2026 Client provided subject Title Commitment
|
condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX months with xxx Mortgage payment history exceeds guidelines of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.
|
|
409046034
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
2 months bank statements required; 2 XXX accounts, XXX 401K and XXX accounts in file only have 1 month statement.
|
5.6.2026 Client provided two months of requested bank statements
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years, XXX month at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409046041
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Co-Borrower has been in same profession for XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX XXX score. Minimum required XXX.
|
|
409046051
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
HOI dwelling coverage $XXX. Required coverage amount $XXX.
|
5.27.2026 Client provided Lender LOX stating, Policy includes replacement cost coverage. Response, HOI policy do reflect having increased Repl Cost on Dwelling
however do not reflect (percentage) of how much additional coverage. Condition remains for HOI estimated replacement cost worksheet to support HOI having sufficient coverage. 5.28.2026 Client provided lender snippet of what increased
replacement cost means in insurance and LOX stating does not state say how much, it covers whatever it's needed to replace it with no out of pocket.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409046200
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITI $XXX = XXX months reserves > program requirement of XXX months.
|
|||||||||||||||
|
409046203
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|
409046205
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
|
|||||||||||||||
|
409046219
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
The loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status; missing income documentation for each borrower to support
AUS income.
|
5.1.2026 Client provided YTD 2026 paystubs for both borrowers and prior xxx w2's for both borrowers, monthly base income used for qualifying is supported.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITIA $XXX = XXX months reserves > program requirement of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409046219
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITIA $XXX = XXX months reserves > program requirement of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409046219
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance in the amount of $XXX due to Condo Questionnaire increase by $XXX on LE XXX with no valid reasons documented on COC XXX and added HOA Master
policy fee $XXX on CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that
includes tracking information.
|
05/01/2026 Client provide COC's XXX reflecting Condo Questionnaire fee for rush order and COC XXX reflecting added master Ins fee due to needing a rush master
policy. Condition remains. Provide the reason for the rush request and confirmation the Borrower requested the rushes for both or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 05/18/2026 Client
provided Duplicates of the COC's reflecting rush fees with PCCD XXX reflecting $XXX cure, however the Cure check, endorsed by Borrower, was only for $XXX. Condition remains. Provide the additional $XXX for the questionnaire fee. Also
provide Confirmation the Borrower requested the rush of the Master Policy and why the fee was added after the Initial Disclosure or PCCD with $XXX additional cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking.
05/18/2026 Client requested review. Refund of $XXX for HOA Questionnaire fee due to rounding. Email trail provided for Master policy does not reflect Borrowers request for the Rush Fee. Retesting results in zero tolerance remaining of $XXX.
Condition remains for Confirmation from the Borrower requesting the rush on the HOA Master policy or PCCD with additional $XXX cure, copy of the cure check, LOE to Borrower and evidence of delivery via tracking.05/20/26 Client provided the
following Seller comment: There is no rush on the Master Insurance fee. The policy is a standard $XXX - this fee was added due to at the time of the initial disclosure it was not determined that the property was a condo. The $XXX is for the
convenience Fee. The only cure needed is due to the increased condo questionnaire fee from $XXX to $XXX. I have uploaded the correct coc for the master insurance policy fee along with the invoice. Condition remains. It has been determined
that the $XXX refund for the Condo Questionnaire Fee is sufficient for that charge, as per the XXX the un-rounded amount from the LE baseline included the additional $XXX. As for the tolerance violation due to the HOA Master Policy Fee
addition, a valid reason was not provided and receipt of an invoice is not a valid change. The property changed to Condo on the Revised XXX LE/COC. The added HOA Master Policy Fee was not disclosed until the 4/15 CD. Borrower is due a refund
of $XXX, PCCD with increased cure, LOE and proof of delivery that includes tracking information.05/20/26 Client provided the following Seller comment: It was determined that after the appraisal was received on XXX that the property was a
condo. We received the completed homeowners association (HOA) condo questionnaire on XXX Prior to receiving this document, the specific insurance agency managing the buildings master policy, along with any associated document or fees, was
unknown and could not be reasonably anticipated. After reaching out to the insurance agency we received an invoice for the master policy with a fee of $XXX. At this time a COC was completed and the revised Closing Disclosure dated XXX was
disclosed to the borrower. Condition remains. The XXX determination/change to Condo would be the COC to validate an added HOA Master Policy fee (a reasonable estimate should have been disclosed). Timing was not met for disclosure on XXX.
Borrower is due a refund of $XXX, PCCD with increased cure, LOE and proof of delivery that includes tracking information.05/27/26 Client provided an Email reply and requested re-review. Upon review by Sr. Operations Management, property
changed to Condo XXX, Questionnaire ordered XXX with receipt back on XXX, and XXX email chain with policy and invoice notifying the fee would be required. It is determined that the added master policy fee is a valid change and disclosed
timely.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITIA $XXX = XXX months reserves > program requirement of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409046219
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
File is missing evidence of satisfactory XXX month housing payment history.
|
5.1.2026 Client provided VOR satisfactory history from XXX - XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITIA $XXX = XXX months reserves > program requirement of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409046219
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
File is missing current pay stubs and 2025 W2s to support AUS income for each borrower. *Final review income TBD
|
5.1.2026 Client provided YTD 2026 paystubs for both borrowers and prior xxx w2's for both borrowers, monthly base income used for qualifying is supported.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITIA $XXX = XXX months reserves > program requirement of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409046237
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of updated VOEs
|
5.14.2026 Client provided VVOE regarding XXX however nothing per initial condition was provided. Initial condition remains 6/1 Client provided exception for PC
VVOEs
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At primary job since XXX
|
|
409046237
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At primary job since XXX
|
|
409046237
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
XXX accounts # XXX and # XXX are in a Trust name. Provide a copy of the Trust to support use of these assets. May be subject to additional conditions upon
review.
|
5.14.2026 Client provided duplicate (in file) XXX assets in Trust name, nothing pertaining to initial condition provided. Initial condition remains 5.27.2026
Client provided executed copy of Certification of Trust with B1 as only Trustee/Settlor of this Trust.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At primary job since XXX
|
|
409046237
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Provide the following, may be subject to additional conditions upon review:1. Most recent XXX payment history, meeting private mortgage guidelines, for XXX. Page
780 + combined file reflects some pay history (not full XXX) and possibly some lates. Need full XXX and documentation of when payments are due. 2. Most recent XXX VOM for XXX.
|
5.14.2026 Client provided appears to be same duplicate (in file) documents. Initial condition remains 5.27.2026 Client provided additional payment history from
XXX on private mtg w/XXX and file having the additional months from XXX supporting XXX history and provided Lender LOX stating regarding XXX property (mtg history) has to be a mistake, this loan is reported on item 2 of the credit report and
the property was purchase on XXX, there isn't a XXX payment history. Condition satisfied with additional months on XXX property and LOX from Lender regarding XXX property
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At primary job since XXX
|
|
409046237
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
B1 is employed by XXX via wage earner job at XXX.Per guidelines: 'Borrowers potential XXX in the business must be addressed.' - Please provide.May be subject to
additional conditions upon review.
|
5.14.2026 Client provided duplicate YTD XXX paystub and prior XXX XXX w2's for B1 employment however initial condition states: per guidelines, Borrower potential
XXX in the business must be addressed, please provide. 6.4.2026 Client provided Lender LOX stating this was addressed in the underwriting notes, personal tax returns and transcripts are in folder not reporting any XXX of this business.
Response, LOX in file (pg 445) from Borrower stating this is a XXX business and having no XXX and income is also documented with Written VOE work number along with XXX 1040's and Transcripts, accepting LOX in file from Borrower
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At primary job since XXX
|
|
409046237
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
1. B1 VOE for XXX is > XXX.2. B1 VOE for XXX (page 1291 combined file) is not dated.Provide VOEs for above meeting guidelines. May be subject to additional
conditions upon review.
|
5.14.2026 Client provided VVOE regarding XXX however nothing per initial condition was provided. Initial condition remains 5.29.2026 Client provided post close
dated (XXX) SOS for business: XXX and provided post close dated (XXX) VVOE for XXX. Condition remains for prior to closing SOS: XXX and VVOE w/XXX is post close dated. 6/1 Client provided an approved exception to allow the file with PC VVOE
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At primary job since XXX
|
|
409046237
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
B1 is XXX% XXX XXX, opened XXX, income used to qualify.Note date is XXX; above business opened < XXX ago and XXX business returns are not provided.
|
5.14.2026 Client provided some loan file documents however nothing pertaining to initial condition. Initial condition remains 6.4.2026 Client provided UW notes
stating business opened XXX and income used to qualifying. Tax returns for XXX for this business are uploaded to the business tax returns folder. Response, Agree however with business being opened XXX supports < XXX and < XXX XXX
income being reported on most recent XXX tax returns. Initial condition remains, DTI XXX% includes income of $XXX from XXX with < XXX receipt of income being reported on most recent two years tax returns. 6/5 Client approved an exception
to allow the file with income from XXX established just less than XXX
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At primary job since XXX
|
|
409046244
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Application date XXX, HOCL in file is dated XXX. HOCL was not provided within XXX of application
|
5/20/26 Client provided an approved exception for HOLC not provided timely.
|
5/20/26 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX score. Minimum required XXX
|
|
409046244
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
LE XXX is the only LE in file. Application date XXX. Per Compliance Ease, Initial LE XXX and final LE XXX were issued but are missing in file. Please provide
both disclosure and any COCs/ Rate Lock for further testing. Additional conditions may apply.
|
06/04/2026 Client provided missing LE's XXX, XXX and XXX with COC's and locks.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX score. Minimum required XXX
|
|
409046244
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
06/04/2026 Client provided missing CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX score. Minimum required XXX
|
|
409046244
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD XXX acknowledged by the borrowers/ all title holders min XXX prior to closing date.
|
06/04/2026 Client provided missing CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX score. Minimum required XXX
|
|
409046244
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXXdue to Discount Point Fee increased from LE dated XXX of ($XXX) to Final CD dated XXX of ($XXX) with no valid reasons documented in
file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund
|
06/04/2026 Client provided missing LE's XXX, XXX and XXX, CD XXX with COC's and locks.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX score. Minimum required XXX
|
|
409046248
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Appraisal fee on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD
reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
05/04/2026 Client provided COC XXX reflecting increase of appraisal fee due to additional time and research required to complete assignment due to location.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS2860: Good credit history
- XXX Comments: XXX mid score > min required of XXX.
|
|
409046901
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing evidence spousal support obligation have been paid in full.
|
5/4 Client provided an approved exception to exclude the child support payments as only10 remain
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves for $XXX exceed guideline requirement of $XXX (subject: $XXX x XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409046901
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Waived
|
D
|
B
|
D
|
B
|
CRDLGL988
|
Loan File is Missing or Contains Insufficient Documentation for Basic Review
|
No
|
Per spousal support order borrower has a remaining balance of $XXX as of XXX to be paid in monthly payments of $9600 through XXX. Payment was not included in
DTI. Provide evidence that the borrower's spousal support obligation was paid in full prior to closing. May require additional review.
|
5/4 Client provided an approved exception to exclude the child support payments as only10 remain
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves for $XXX exceed guideline requirement of $XXX (subject: $XXX x XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409046901
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
LTV/CLTV
|
Waived
|
B
|
B
|
B
|
B
|
CRDLTV5738
|
CLTV Exceeds Guideline Requirement by less than 5%
|
No
|
Maximum CLTV is XXX% for DTI exceeding 38%. Borrower acquire a new second with XXX for $XXX for a CLTV of XXX%.
|
5/4 Client provided an approved exception to allow the file with a XXX DTI with MAX DTI per program XXX%
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves for $XXX exceed guideline requirement of $XXX (subject: $XXX x XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409047498
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
409047543
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|
409047543
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
The file contains a Written Verification of Employment (WVOE) for the borrower covering only XXX and for the co-borrower covering only XXX. The XXX requires YTD
plus XXX verification. Verification of the previous employment income for both borrowers is missing.
|
5/19 Client provided paystubs and W2s supporting qualifying income and employment
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|
409047545
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing lease on XXX offsetting PITIA payment of $XXX.
|
5.15.2026 Client provided executed Lease agreement for XXX which expires XXX and subject Note date XXX in addition, Final 1003 reflect this property as being
Second Home vs Investment. 5/20 Client removed rental income
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS2854: Significant time in profession
- XXX Comments: Co-Borrower has been in same profession for XXX years.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has xxx for XXX months.
|
|
409047545
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Appraisal fee $XXX was added to initial CD XXX section B. No COC provided listing fee or any details as to why fee was added. No cure provided on final CD.
Condition pending receipt detailed COC with addition of fee validated or Post CD reflecting lenders cure, LOX, Total Refund of $XXX w/ Proof of Delivery.
|
05/21/26 Client provided a XXX PCCD with cure, LOE, COC and tracking (shipment confirmed). Condition remains for a copy of the $XXX refund check.05/22/2026
Client provided duplicate PCCD XXX, copy of LOE and delivered tracking with a copy of the cure check.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS2854: Significant time in profession
- XXX Comments: Co-Borrower has been in same profession for XXX years.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has xxx for XXX months.
|
|
409047545
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
VVOE date for B2 XXX. VVOE must be provided within XXX days of the note. Note date XXX
|
5/21 Client provided an approved exception to allow the file without the VVOE
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS2854: Significant time in profession
- XXX Comments: Co-Borrower has been in same profession for XXX years.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has xxx for XXX months.
|
|
409047545
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Missing lease on XXX offsetting PITIA payment of $XXX/month.
|
5.15.2026 Client provided executed Lease agreement for XXX which expires XXX and subject Note date XXX in addition, Final 1003 reflect this property as being
Second Home vs Investment. Condition remains 5/21 Client provided updated AUS and 1008 removing rental income from qualification DTI updated to XXX; Provide corrected 1003 removing the rental income from REO Memory lane 5.22.2026 Client
provided Seller rebuttal: "Hi, The rental income is a negative it includes the mortgage payment of $XXX and the condo HOA of $XXX and its showing (XXX) for the total of those two items. thank you". Response, agree is now being included in DTI
however Final 1003 (REO for this property reflect rental income of $XXX), prior update requested for updated 1003 removing the rental income of $XXX due to not using rental income, including the full PITIA of $XXX in DTI. Condition remains,
for the updated 1003 removing the rental income for this property 5.28.2026 Client provided updated 1003 with removing rental income of $XXX from XXX property due to including PITI of $XXX in DTI of XXX% and Lender DTI XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history xxx.
CFCFS2854: Significant time in profession
- XXX Comments: Co-Borrower has been in same profession for XXX years.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has xxx for XXX months.
|
|
409047561
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
Initial CD method of receipt E signed. Evidence of E consent provided in "Pending" status. Missing E consent.
|
04/21/26 Client provided the Document Package Audit Report that includes the E-Consents.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409047561
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
Initial LE method of receipt E signed. Evidence of E consent provided in "Pending" status. Missing E consent.
|
04/21/26 Client provided the Document Package Audit Report that includes the E-Consents.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409047581
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409047581
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX tolerance in the amount of $XXX due to increase in Transfer Tax from $XXX to $XXX on initial CD XXX with no valid reasons documented on COC XXX. Condition is
pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
05/15/2026 Client provided duplicates of CD XXX and COC already in file. Transfer tax amount provided is not a valid change reason. Condition remains. Provide
the change that occurred resulting in the increase of the Transfer taxes on CD XXX for re-review or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 06/05/2026 Client provided PCCD XXX with cure, copy
of cure check and COC for LOE. Condition remains for proof of delivery within XXX of consummation.XXX Package verified delivered.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409047588
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have lived at their current residence for XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum
|
|
409047588
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Provide a copy of the XXX XXX Findings
|
6.11.2026 Client provided XXX XXX submission #XXX dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have lived at their current residence for XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum
|
|
409047601
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
|
|||||||||||||||
|
409047639
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
List of homeowners counseling organizations not provided w/in XXX of application XXX.
|
05/28/26 Client provided an approved exception for the homeowners counseling organizations list timing violation.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX at current job.
|
|
409047639
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX at current job.
|
|
409047818
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing business tax returns, balance sheet, and profit and loss to determine ATR/QM status.
|
6.8.2026 Client provided executed full complete copy of XXX 1120S for XXX w/XXX. both borrowers having XXX% XXX each and provided YTD XXX B/S
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
|
|
409047818
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.
Regulation Z has language allowing the use of a substantially similar notice. XXXs view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere
existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form
in a same-lender refinance as a level B condition.
|
(No Data)
|
Initial & Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
|
|
409047818
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing verification of PITIA for XXX.
|
6.2.2026 Client provided documentation supporting PITIA used of $XXX on REO of 1003 for XXX property (1st Mtg statement, taxes, HOI and HOA provided)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
|
|
409047818
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing XXX. XXX (XXX) Business tax return required.
|
6.8.2026 Client provided executed full complete copy of XXX 1120S for XXX w/XXX. both borrowers having XXX% XXX each and provided YTD XXX B/S; income used for
qualifying is supported with business returns
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
|
|
409047818
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3258
|
Missing Profit and Loss statement for one or more XXX borrowers
|
No
|
Missing XXX. YTD Profit and Loss.
|
6.4.2026 Client provided copy of YTD XXX P/L for review of income however file is missing XXX 1120S business returns for review of ownership, for calculation of
YTD income from P/L 6.8.2026 Client provided executed full complete copy of XXX 1120S for XXX w/XXX. both borrowers having XXX% XXX each and provided YTD XXX B/S
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
|
|
409047818
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3260
|
Balance Sheet missing for one or more XXX borrowers
|
No
|
Missing XXX. Balance sheet.
|
6.4.2026 Client provided YTD XXX Balance Sheet for XXX: XXX.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
|
|
409047878
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Application
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAPP131
|
Occupancy status not supported by file documentation
|
No
|
Subject underwritten as primary residence cash out refi.Per appraisal - page 2 combined file - 'tenant occupied': 'The subject property is currently occupied by
the prior seller/owner on a rent-back agreement.', page 4 combined file
|
5.27.2026 Client provided an updated appraisal with showing as Owner occupied vs Tenant Occupied (per appraisal in file) and comment per appraisal (in file)
stating subject is currently occupied by the prior seller/owner on a rent back agreement. Initial condition remains 5/29 Client provided Bwr LOX ; Bwr purchased property Seller had XXX to vacate on rent back until end of XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X XXX = $ XXX+ XXX for Additional REO or ( $ XXX X XXX = $ XXX )
|
|
409047936
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
409047937
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
List of homeowners counseling organizations is missing
|
06/16/26 Client provided the XXX HC List.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX
|
|
409047937
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH3000
|
# of Tradelines Does Not Meet Guideline Requirements
|
No
|
Minimum trade not met, borrowers have XXX mortgage history as home is owned free and clear, and only 2 open tradelines
|
Client provided exception approval for # of Tradelines Does Not Meet Guideline Requirements
|
XXXs final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX
|
|
409047961
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per XXX a Revised Loan Estimate was delivered to borrowers on XXX. Missing LE from file, please provide along with any COC and tracking information if
applicable.
|
05/28/26 Client provided the missing XXX COC and XXX LE package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score, min required is XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guideline allows for XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX mortgage payment history XXX. Guidelines require XXX.
|
|
409049438
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 143 points above the minimum required score of XXX.
|
|||||||||||||||
|
409049449
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|||||||||||||||
|
409049610
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Alta Settlement Statement but not all fees included on Borrower Final CD XXX, Seller fees have been sourced on the Settlement Statement,
Condition Satisfied.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller Settlement Statement.
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
409049610
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing evidence of Final Sale CD of departure REO to verify proceeds required for cash to close and reserves; Sale Departure CD reflecting proceeds is marked
DRAFT and there is no date issued.
|
5.27.2026 Client provided executed Final CD from sale of home with payoff of existing lien and proceeds of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
409049709
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per XXX a Revised Loan Estimate was delivered to borrowers onXXX. Missing LE from file, please provide along with any COC and tracking information if applicable.
|
05/14/26 Client provided the XXX COC, XXX LE and Disclosure Tracking History. Condition remains. Per the Tracking History, there was an additional revised LE
issued on XXX. Provide the missing XXX LE and the corresponding COC for testing.05/19/2026 Client provided duplicates of the LE XXX with tracking. Condition remains. Provide the missing LE dated XXX as reflected on tracking, with
corresponding COC for changes. 05/21/26 Client provided the XXX COC and XXX LE package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX * XXX = $XXX reserves required for subject.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|
409049709
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Provide valid COC for addition of $XXX credit verification bundle expense on the XXX CD. Or submit Letter of explanation, corrected Closing Disclosure, refund,
proof of delivery within XXX of consummation.
|
05/14/26 Client provided the missing, Revised XXX LE with XXX COC validating the Credit Verification Bundle.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX * XXX = $XXX reserves required for subject.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|
409049726
|
XXXXXX
|
XXXXXX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Homeowners counseling organizations Document is missing in File.
|
04/24/2026 Client provided missing List of homeowners counseling organizations dated XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good Mortgage history xxxxXXX
|
|
409049726
|
XXXXXX
|
XXXXXX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good Mortgage history xxxxXXX
|
|
409049726
|
XXXXXX
|
XXXXXX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
A
|
Credit
|
Assets
|
Waived
|
C
|
B
|
C
|
B
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Reserves sourced: Reserves $XXX or XXX months. Required: REO XXX months PITIA + Subject XXX months PITIA -XXX months which must be Non-Retirement Asset Reserves
Required for LTV/CLTVs XXX%-XXX%. Provide additional asset documents meeting guidelines. Subject to asset recalc and may be subject to additional conditions upon review.
|
4/27 Client provided an email taht " GLs do not prohibit retirement assets: On review; XXX GLS require XXX months reserves from NON Retirement assets for LTVs
over XXX 5.29.2026 Client provided a YTD 2026 bonus paystub dated XXX and provided post close assets statements for XXX#XXX and #XXX(Note date XXX) and assets provided are dated after Note date. Condition remains 6.3.2026 Client provided
Lender LOX and provided same documentation that was in file and/or previously reviewed and appears DD Firm is currently using balance of $XXX from XXX deposit not being considered this was deposited (and received per the bonus paystub) after
closing on XXX with disbursement subject date of XXX. Initial condition remains, missing evidence of XXX months non-retirement assets reserves (due to LTV over XXX%). Note: with review of updated XXX#XXX post close statement dated XXX; all
transactions on and prior to XXX is being considered (disbursement date XXX), transactions and/or deposits after XXX are not being considered due to happened/deposited post close. 6/4 Client provided an approved exception to allow the file
using post close dated assets to meet reserve requirements
|
Upon review by XXXXXX; Condition is deemed Non Material; Client credit score exceeds GLs, Low DTI
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good Mortgage history xxxxXXX
|
|
409049877
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX XXX score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
|
|
409049877
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing current XXX bank statements for XXX.
|
5.26.2026 Client provided XXX asset history for #XXX XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX XXX score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
|
|
409049877
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL796
|
Missing Title
|
No
|
Missing title report.
|
5.26.2026 Client provided Prelim Title Report
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX XXX score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
|
|
409049877
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
Property
|
Waived
|
C
|
B
|
C
|
B
|
PRVAPROP241
|
Property Type unacceptable under guidelines
|
No
|
Subject is reported and clearly demonstrates as a unique property, with a single family residence currently used as 2 units, upper and lower, along with a
separate detached XXX nearly similar size with 2 bedrooms 2 bathrooms,, garage and separately assigned address by the XXX. Both located on the same lot, significantly smaller than normal in the subject's market area.
|
Client provide an approved exception request for subject property.
|
Upon further review by XXX exception is deemed non-material due to subject property is located in CA and is common for the area. Appraiser provided 2 comp with
XXX. XXX's Final Grade B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX XXX score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
|
|
409050040
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets for reserves is sufficient to cover required $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX at current job.
|
|||||||||||||||
|
409050060
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Cash to close $XXX. Bank statements provided verified $XXX. Short by $XXX. Gift funds were deposited in the borrowers account. Missing proof of $XXX gift funds
from donor.
|
6.5.2026 Client provided assets documentation supporting receipt of $XXX and $XXX gift all deposited into XXX #XXX and on XXX wire out cash for closing $XXX to
Title company and reflected as such on PCCD in file, sufficient liquid funds to close have been verified with receipt of the additional $XXX gift funds
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409050062
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX qualifying credit score is XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has XXX with current employer, B2 has XXX.
|
|||||||||||||||
|
409050112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX PITI; $XXX or XXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|||||||||||||||
|
409050299
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX at current job.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX at current job.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX at current residence.
|
|||||||||||||||
|
409050300
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX XXX reserves
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX
|
|||||||||||||||
|
409050388
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
|
|
409050397
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX housing payment history; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX*XXX= $XXX reserves required.
|
|
409050471
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure missing.
|
05/21/26 Client provided an LOE from the Servicer (XXX) stating they do not have any affiliates. Condition remains. Provide the missing Affiliate Business
Disclosure from the Lender (XXX).05/27/26 Client provided a signed LOE from Lender stating they do not have any affiliated businesses.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX*XXX= $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409050471
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.
Regulation Z has language allowing the use of a substantially similar notice. XXXs view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere
existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form
in a same-lender refinance as a level B condition.
|
(No Data)
|
Initial & Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX*XXX= $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409050471
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Missing evidence of current HOI reflecting a valid effective date; hoi provided has effective date XXX and must be effective prior to delivery to XXX for
purchase;
|
Client provided exception approval for Insurance Effective date is greater than the transaction date
|
XXXs final grade B
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX*XXX= $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409050580
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
The loan was approved using a XXX XXX Case ID #XXX per the 1008. The guidelines require a copy of the XXX to be provided in the file; however, the file does not
contain a copy of the XXX.
|
6.8.2026 Client provided XXX XXX/Eligible submission #XXX dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is 1XXX%. Guidelines allow up to XXX%.
|
|
409050581
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
HOI effective date XXX with disbursement date XXX.
|
6.3.26- Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase review.
|
6.3.26- waived.
|
Not Applicable
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been XXX in the same business for XXX.
|
|
409050664
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same line of work for XXX
|
|||||||||||||||
|
409050671
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409050674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX Seller fees have been sourced on the Seller CD, Condition Satisfied.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409050698
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Waived
|
D
|
B
|
D
|
B
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
5/18 Client provided a lock changing loan to XXX; Asset depletion was used; Upon review of assets only XXX statement was located in file for each account provide
a second consecutive statement for each asset account on the 1003XXX #XXX, XXX XXX, file also has XXX statement for XXX XXX and XXX XXX which are not listed on final 1003/1008; if using these additional XXX accounts add them the 1003 and
provide a XXX statement for all accounts
|
5.28.2026 Client provided updated 1003 however prior updated also requested for XXX statements for asset accounts: XXX#XXX, XXX #XXX and #XXX, #XXX; condition
remains for the requested XXX asset statement. 6.1.2026 Client provided duplicate (in file) 1008, still missing initial condition additional month statement. Initial condition remains6/1 Client provided an approved exception to allow the
with XXX bank statements
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X XXX= $ XXX+ XXX for Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409050698
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
5/18 Distribution income of $XXX per month is used to qualify from XXX XXX; Letter in file appears to reflect the distribution was just set up XXX with
distributions beginning XXX; On review the file does not meet GLS which state; "Distributions may not be set up solely for loan qualification purposes" XXX statements are also required file has only XXX statement
|
5/18 Client provided an approved exception to allow the file with distribution income set up XXX and beginning XXX
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X XXX= $ XXX+ XXX for Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409050701
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
|
|||||||||||||||
|
409050710
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX*XXX= $XXX reserves required.
|
|||||||||||||||
|
409050763
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing proof of funds used to pay off the following debt: XXX balance of $XXX, XXX balance of $XXX and XXX balance of $XXX.
|
6.15.2026 Client provided XXX XXX #XXX statements (XXX) supporting funds used to payoff of the requested debts and are reflected on this XXX XXX statement, large
deposit of $XXX is being sourced with XXX statement in file and most recent XXX after this large deposit is being used for qualifying.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX with same employer.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX housing payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409050763
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDLGL2422
|
Missing Purchase Contract
|
No
|
Missing fully executed purchase contract with purchase price of $XXX.
|
6.15.2026 Client provided executed copy of subject Purchase and sale agreement supporting $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX with same employer.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX housing payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409050788
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
The file does not contain a copy of the Affiliate Business Disclosure for XXX.
|
06/05/26 Client provided the missing ABD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX PITI
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
409050788
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Provide copy of the 3rd party VOE with the date that is was pulled on the actual document.
|
6.5.2026 Client provided duplicate (in file) SOS/VOE for XXX however document showing when verified is not dated. Initial condition remains 6.10.2026 Client
provided post close dated (XXX) SOS for Schedule C XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX PITI
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
409050789
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
Missing XXX W2. Per XXX, XXX are required.
|
6.8.2026 Client provided end of year XXX paystub for B1
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
|
|
409050789
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
|
|
409050789
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing XXX W2. Per XXX, XXX are required.
|
6.8.2026 Client provided end of year XXX paystub for B1
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
|
|
409050791
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX at current job.
|
|
409050799
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REOs $XXX*XXX= $XXX reserves required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: 30.19% DTI; max 49.99%.
|
|
409050801
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
The file contains a fully executed Right of Rescission version H-8, the Title Commitment reflects the Lender as the previous Lender.
|
6/11/26 Client provided an approved exception for using incorrect ROR form.
|
6/11/26 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
409050801
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPXXXHE119
|
Texas Equity - Affidavit of Fair Market Value not signed by lender
|
No
|
Affidavit of Fair Market Value in file is not signed by lender
|
06/15/26 Client provided a copy of the FMV Affidavit signed by Lender post-closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
409050815
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
Variance is due to calculation error of schedule C loss. Lender calculated -XXX, however Net loss from Schedule C business XXX - XXX, 2025 -XXX/XXX or -$XXX. Additional TIA for XXX of $XXX not documented. Additional TIA for XXX for $XXX not
documented.
|
6.11.2026 Client provided evidence of monthly PITIA for both properties which is verified the same as listed on REO of final 1003 and income adjustment made.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX = XXX PITIA > min required of $XXX.
|
|
409050815
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
Variance is due to calculation error of schedule C loss. Lender calculated -XXX, however Net loss from Schedule C business XXX - XXX, XXX -XXX/XXX or -$XXX.
Additional TIA for XXX of $XXX not documented. Additional TIA for XXX for $XXXnot documented.
|
6.11.2026 Client provided evidence of monthly PITIA for both properties which is verified the same as listed on REO of final 1003 and income adjustment made.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX = XXX PITIA > min required of $XXX.
|
|
409050829
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score XXX, qualifying credit score is XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has XXX with current employer, B2 has XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: Borrowers have $XXX in reserves. Required reserves are XXX x $XXX = $XXX and XXX for departure residence x $XXX = $XXX. Total required
reserves are $XXX
|
|||||||||||||||
|
409050836
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX for XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying mid score verified at XXX, minimum required XXX.
|
|
409050892
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPATRQM2900
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status
determination.
|
No
|
4.20.2026 Client provided Lender XXX Report w/QM XXX status however DD Firm status is Non QM, condition added DD Firm status is Non QM and Lender status is QM
XXX, DD Firm places loan in a riskier status than the Lenders status determination.
|
4/20/2026 client provided XXX reflecting XXX.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX DTI below guideline of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO exceeds guideline of XXX.
|
|
409050892
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Missing lender's ATR/QM status determination.
|
4.20.2026 Client provided Lender XXX Report w/XXX status
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX DTI below guideline of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO exceeds guideline of XXX.
|
|
409050894
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not
offer one are selected
|
No
|
CD's dated XXX and XXX- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected
|
04/02/2026 Client provided corrected PCCD XXX. Condition remains for LOE to Borrower for change. 04/07/2026 Client provided a duplicate of CD XXX and LOE.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: The total DTI is XXX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- XXX Comments: Borrowers have no late payments on the mortgage history
|
|
409050936
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX Guidelines require XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
|
|||||||||||||||
|
409050937
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|||||||||||||||
|
409050974
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX with same employer.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409050974
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing current billing statement for XXX Home Equity to document payment, credit report doesn't reflect monthly payment.
|
5/13 Client provided HELOC stmt
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX with same employer.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409050974
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing verification mortgage is impounded for property located XXX XXX. If not impounded need verification of property tax, insurance and HOA dues if
applicable.
|
5/13 Client provided the mortgage terms; provide evidence of PITIA5.15.2026 Client provided evidence of PI $XXX taxes $XXX and HOI $XXX with 1st pg of appraisal
no monthly HOA for requested property and previously provided the HELOC documentation
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX with same employer.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409050975
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Appraisal fee increased from $XXX to $XXX on LE XXX without a change of circumstance in file. Tolerance cure required for $XXX. Condition is pending receiving a
valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
05/13/26 Client provided the Purchase Contract, Contract Tracking showing Complete 2/10 and the following Seller comment: Application taken as SFD Purchase
Contract received on XXX reflecting subject property was a XXX on XXX. Valid Change Circumstance processed per TRID. Uploaded Purchase Contract on item 16(b) shows the property authorizing use as a XXX dwelling.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
|
|
409050975
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence to either verify the departure residence PITIA payments (including statement from borrower that the property is not in an HOA if applicable), or
evidence the T/I is escrowed into the mortgage payment.
|
5.13.2026 Client provided Mtg statement w/XXX verifying PITI of $XXX and evidence (with appraisal for this properyt) no monthly HOA
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
|
|
409050975
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
5.13.2026 Client provided 3rd party XXX valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
|
|
409050976
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX tolerance in the amount of $XXX due to decrease in Lender's credit from $XXX to $XXX on a revised LE XXX with no COC or Rate Lock extension in file.
Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
05/13/26 Client provided a contract addendum signed XXX and the following Seller comment: Rate Lock extended on XXX at the cost of $XXX reduction Discount Points
credit to the borrower per sales request creating a COC and redisclosure to the borrower the same day. Uploaded signed addendum in file extending the contract to XXX. Condition remains. For supporting documentation, provide the revised Lock
reflecting the extended Expiration Date.05/14/26 Client provided the XXX LE and the cover letter indicating the Rate Lock change (found in file).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX*XXX + REO $XXX*XX= $XXX reserves required.
|
|
409050976
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Missing lender's ATR/QM determination status.
|
5/8 Client accepts DD determination of SH APOR
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX*XXX + REO $XXX*XX= $XXX reserves required.
|
|
409050977
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X XXX = $ XXX+ XXX for Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX in Current Profession
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX
|
|
409050978
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409050979
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409050980
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|
409050980
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
The file is missing evidence of taxes, insurance and HOA for the departing residence.
|
5.13.2026 Client provided copy of Mtg statement w/XXX verifying PI and provided taxes/insurance verifying total used on REO of 1003 for this property.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|
409050981
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% < guideline maximum of XXX%.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX at the current job.
|
|
409050981
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing all REO docs for non-subject rental properties, including mortgage statement, proof of HOI, taxes and HOA.
|
5.13.2026 Client provided the following: provided MTG statement, taxes and HOI for XXX supporting $XXX (missing evidence of HOA of possibly $XXX) and provided
taxes, HOA and HOI for XXX supporting amount used. Condition remains for evidence of monthly HOA for: XXX supporting $XXX (this is the difference being used on 1003)5/13 Client provided XXX showing HOA $XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% < guideline maximum of XXX%.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX at the current job.
|
|
409050981
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance effective date is XXX, based on the final CD in the file, the loan disbursed on XXX which is after the effective date.
|
5.8.26- Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase review.
|
5.8.26- waived.
|
Not Applicable
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% < guideline maximum of XXX%.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX at the current job.
|
|
409050981
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing XXX or XXX to support the appraised value since XXX score is XXX. Guidelines require XXX when the XXX score is above XXX.
|
5.13.2026 Client provided a Review Appraisal worksheet however still missing 3rd party XXX valuation supporting value. Condition remains 5/13 Client provided a
XXX supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% < guideline maximum of XXX%.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX at the current job.
|
|
409050982
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX
|
|
409050982
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Application
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAPP3822
|
Missing or incomplete documentation related to citizenship/residency
|
No
|
Provide missing documentation related to B2's (XXX) XXX. May be subject to additional conditions upon review.
|
5/12 Client provided the XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX
|
|
409051119
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX
|
|
409051119
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence of Bridge loan
|
6.11.2026 Client provided Bridge loan executed documents and subject CD reflect receipt of $XXX from Bridge loan funds, monthly payment being used is verified
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX
|
|
409051122
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX at present job
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITI > min required reserves of XXX.
|
|||||||||||||||
|
409051162
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Discount points increased from initial LE XXX $XXX to revised CD XXX $XXX. No COC provided listing increase or any details as to why points increased. No Rate
Lock Pricing provided indicating any change in loan amount, expiration date or LTV to validate this increase. No cure provided on final CD. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure,
LOX, Refund of XXX w/ Proof of Delivery.
|
06/09/26 Client provided all of the missing COCs.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409051230
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409051237
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX of PITI available in reserves; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 130 points above the minimum required score of XXX.
|
|
409051279
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of missing income and REO docs
|
6.11.2026 Client provided (#2, #4 and #5 of initial condition) provided pg 4 of B1 P/L signed dated and provided B2 XXX Liquidity worksheet passing. Condition
remains for additional two (2) requested documents: (a). XXX 1040 Extension (c) XXX B1 1120S k1 6/15 Client asked for a review; upon review XXX K1 is not available; condition remains for XXX 1040 Extension6.17.2026 Client provided copy of
2025 1040 Extension
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX same line of workB2 XXX same line of work
|
|
409051279
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Subject to DTI and reserves recalc and may be subject to additional conditions upon review:1. Provide sufficient documentation supporting $XXX monthly payment on
new XXX REO HELOC with XXX, as reflected on 1003.
|
6.17.2026 Client provided Lender income worksheet with calculation used for HELOC monthly payment of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX same line of workB2 XXX same line of work
|
|
409051279
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Loe in file states B1 1120s and Joint 1040's will not be filed for XXX prior to loan closing. Please provide:1. XXX 1040 Extension 2. XXX B1 1120s Extension 3,
XXX B1 1120s K14. B2 liquidity worksheet. For B2 , XXX 1120s was used for her income calc, due to XXX 1040 not filed. However XXX 1120s shows decline from XXX unless using higher XXX k1 Ordinary Business income; provide liquidity worksheet.
5. XXX B1 PL not signed / dated; please provide. Subject to income recalc and may be subject to additional conditions upon review.
|
6.11.2026 Client provided (#2, #4 and #5 of initial condition) provided pg 4 of B1 P/L signed dated and provided B2 XXX Liquidity worksheet passing. Condition
remains for additional two (2) requested documents: (a). XXX 1040 Extension (c) XXX B1 1120S k1 6/15 Client asked for a review; upon review XXX K1 is not available; condition remains for XXX 1040 Extension6.17.2026 Client provided copy of XXX
1040 Extension
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX same line of workB2 XXX same line of work
|
|
409051279
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Per 1003 and Per XXX findings: "18. Based on the loan application data, B2 isemployed by a family member, property seller, XXX,or other party to the transaction.
The lender must obtain copies ofthe borrower's signed federal income tax returns filed with theXXX for the past XXX. (Only XXX is in file). If the borrower's income is validatedby the XXX validation service, lenders are not required
todetermine if the borrower is employed by a family member orinterested party to the property sale or purchase, so tax returnswould not be required. (XXX ID XXX)"Please provide; may be subject to additional conditions upon review.
|
6.17.2026 Client provided updated XXX submission #XXX with removing of working for Family for B2 as being XXX% XXX of XXX business and provided updated 1003 with
removing box checked of working for family.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS2854: Significant time in profession
- XXX Comments: B1 XXX same line of workB2 XXX same line of work
|
|
409051283
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPXXXHE320
|
XXX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Condition is pending receiving either T-64 form with Endorsements break down or final Title Repost with all endorsements.
|
06/16/26 Client provided the final, signed XXX Form T-64 reflecting the Title Endorsements fee breakdown matching the Final CD value of $XXX, which includes the
T.42 and T.42.1.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409051283
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPXXXHE321
|
XXX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Condition is pending receiving either T-64 form with Endorsements break down or final Title Repost with all endorsements.
|
06/16/26 Client provided the final, signed XXX Form T-64 reflecting the Title Endorsements fee breakdown matching the Final CD value of $XXX, which includes the
T.42 and T.42.1.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409051469
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409051469
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2422
|
Missing Purchase Contract
|
No
|
File is missing the purchase contract for the subject.
|
5/26 Client provided the executed purchase contract
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409051469
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL796
|
Missing Title
|
No
|
File is missing a title report.
|
5/26 Client provided the Title
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409051469
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
File is missing an appraisal.
|
5/26 Client provided the appraisal
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409051477
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Final LE XXX is not signed and there is no evidence in file of when it was delivered to borrower. Delivery method defaults to the mailbox rule.
|
06/17/26 Client provided the signed copy of the XXX LE.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX
|
|
409051477
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER111
|
Ownership seasoning does not meet minimum per guidelines
|
No
|
Borrower does not meet to the XXX seasoning requirement
|
6.15.2026 Client provided exception approval (in file pg 1089) to allow for cash out seasoning of less than XXX, lien paying off is dated XXX with subject Note
date XXX (less than XXX ownership/seasoning for cash out transaction)
|
Exception approved, B Grade
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX
|
|
409051493
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per XXX Process summary missing Initial LE XXX, and Revised LE XXX
|
06/04/26 Client provided the XXX and XXX LE packages.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051493
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Homeowners counseling organization dated XXX was not within XXX of application date of XXX.
|
5/19/26 Client provided an approved exception for HOCL not provided timely.
|
5/19/26 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051493
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Missing initial LE
|
06/04/26 Client provided the missing XXX Initial LE package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051493
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Last LE XXX received by the borrower on XXX XXX, loan was consummated on XXX XXX. Loan consummated before end of waiting period (only XXX instead of required
XXX)
|
06/04/26 Client provided a disclosure tracking screenshot via Email and the missing XXX Initial LE and XXX Revised LE.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051493
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX tolerance in the amount of $XXX due to increase in Discount Points from $XXX on CD XXX to $XXX on final CD XXX with no valid reasons documented on COC XXX
Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
06/04/26 Client provided an Email LOE from Seller with screenshot of the XXX and XXX Lock/Status changes showing a program change on XXX that resulted in the
Points increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051493
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Short $XXX reserves. Post Closing assets total $XXX, or XXX of subject PITI. Required reserves are $XXX; subject PITI $XXXxXXX + Financed REOs $XXXxXXX.
|
6.10.2026 Client provided additional required month (XXX) bank statement for XXX #XXX with balance $XXX and prior balance for XXX was previously being used of
$XXX; with considering XXX statement balance of $XXX; sufficient reserves now met, was short $XXX and increase balance w/XXX #XXX is $XXX + $XXX EMD is verified clearing on this business bank statement, EMD credit is now also being considered
and copy of wire is in file for this EMD (pg 910), verified reserves are now $XXX and required reserves are $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051493
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
File is missing the XXX bank statement for XXX business account #XXXXX (XXX required).
|
6.10.2026 Client provided additional required month XXX) bank statement for XXX #XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051493
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
File is missing canceled rent checks (or VOR) for the months of XXX for a complete XXX history.
|
6.10.2026 Client provided LOX rebuttal stating this is not required under XXX program, a VOR documented rental payments only apply if they are a first time home
buyer in which our borrowers are not FTHB. Response, loan file program is not XXX, program reviewed to was XXX in which would be required to verify rental housing payment history. Initial condition remains 6/16 Client provided an approved
exception to allow the file without the VOR
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051493
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
File is missing XXX personal tax returns and business returns for XXX OR evidence the business has been in existence for XXX.
|
6/4 Client provided a CPA letter dated XXX confirming business existence since XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051493
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
File is missing pre-closing verification of employment for borrower 2's employment with XXX AND verification of XXX for each borrower's XXX of XXX.
|
6.4.2026 Client provided Lender LOX stating CPA did address the Suspense status for B2 2nd XXX income and provided a current post close pull still reflecting as
Suspense status (for B2 2nd XXX). Initial condition remains (a). missing 1st employment B2 prior to closing wage earner VVOE and (b). 2nd XXX for B2 SOS prior to closing and post close still showing as Suspended - FTB. 6/4 Client asked for a
review upon review EA letter provided indicates the Suspense status is administrative in nature due to Franchise Tax error from the SOS office upon selection of S corp tax treatment" ; Response condition remains as the current status of the
entity with the State is suspended; (a). missing 1st employment B2 prior to closing wage earner VVOE and (b). 2nd XXX for B2 SOS prior to closing and post close still showing as Suspended - FTB. 6/4 Client provided an approved exception to
allow the filw without updated VVOES
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX XXX > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051541
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Lender paid Buydown included on final CD XXX section A. Buydown Agreement not provided. Missing Buydown Agreement.
|
06/11/2026 Client provided the missing Buy Down Agreement.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX reported XXX; XXX required.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has XXX at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409051553
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|||||||||||||||
|
409051575
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX /XXX PITIA > min required of $XXX
|
|
409051575
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
HOI Effective date XXX Final CD Disbursement date XXX
|
6.3.26- Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase review.
|
6.3.26- Waived.
|
Not Applicable
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX /XXX PITIA > min required of $XXX
|
|
409051580
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX
|
|
409051588
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR signed XXX, expiration date XXX. Final CD disbursement date of XXX. Disbursement date is before end of statutory rescission period. Final ALTA in file
confirming later Disbursement Date; however, final CD was not updated. Condition is pending receiving corrected PCD with LOX and proof of delivery to borrower.
|
06/16/26 Client provided the corrected XXX PCCD (Funding) reflecting the correct XXX Disbursement Date per the Final Refinance Statement (pg. 708) and
Disbursement Summary (pg. 341).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051605
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX.
|
|||||||||||||||
|
409051614
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Missing 1008
|
6.10.2026 Client provided Lender Approval Letter however still missing Lender 1008. Condition remains for 1008 6/15 Client provided Lender approval letter again;
on review the form is acceptable altrnative to 1008 as it has the required information
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current job XXX
|
|
409051614
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
A
|
A
|
A
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File missing 3rd party value update. However the PDF also contains the initial full appraisal done XXX for $XXX made subject to completion per plans and specs.
The signature page reflects a new report / signature date of XXX however no comments regarding what revisions or updates were made. Although a 1004-D should have been provided, or explanation of revisions, the primary appraisal is current
and made As-Is. Construction appears substantially complete to meet the requirements.
|
Secondary appraisal on XXX for $XXX made subject to completion of construction and revised date of XXX is sufficient to satisfy this exception
|
Exception satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current job XXX
|
|
409051712
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|||||||||||||||
|
409051758
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
Transaction date XXX. ROR expires on XXX and the disbursement date is XXX. Disbursement date is before end of statutory rescission period. Condition pending LOX,
TIL or CD, proof of delivery, and New XXX to all entitled to rescind to re-open rescission (2 for each recipient). Within XXX of discovery.
|
06/10/2026 Client provided PCCD XXX with changed Closing and Disbursement dates. Condition remains for the Final ALTA/Settlement Statement confirming the
Disbursement date. 06/12/26 Client provided the stamped Final Settlement Statement confirming disbursement on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX, guideline minimum DTI is XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has XXX with current employer, B2 has XXX.
|
|
409051758
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
HOI coverages A & B total $XXX which does not meet XXX% of the insurable value of the improvements or $XXX required coverage.
|
6.10.2026 Client provided Remarks (including special conditions), stating this policy provides replacement cost coverage of the insured property subject to
policy limits, which states the same on the policy.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX, guideline minimum DTI is XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has XXX with current employer, B2 has XXX.
|
|
409051834
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X XXX = $ XXX+ XXX for Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX at Current Residence
|
|
409052039
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X XXX = $ XXX+ XXX for Additional REO or ( $ XXX X XXX = $ XXX )
|
|||||||||||||||
|
409052377
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to increase in Discount Points on CD XXX without a COC in file. Missing a Change of Circumstance(s), or Post Close CD, LOX and
copy of refund check to borrower.
|
05/28/26 Client provided the missing XXX COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX, minimum program credit score is XXX.
|
|
409052377
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
XXX required XXX W2's be provided to verify income, only a XXX W2 was provided in the loan file. Provide a XXX W2.
|
6.10.2026 Client provided XXX w2 transcript for B1; XXX w2 transcript provided matches XXX w2 in file and end of year XXX paystub in file and both XXX w2
transcript provided is from current and prior employment.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX, minimum program credit score is XXX.
|
|
409052436
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing the final Underwriting Analysis pages within the XXX Summary of Findings.
|
6/17 Client provided complete XXX approval
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > min required of $XXX.
|
|
409052443
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below max allowed XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min of XXX.
|
|
409052452
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Texas Home Equity
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPXXXHE117
|
XXX Equity - Missing Affidavit of Fair Market Value
|
No
|
A copy of executed Affidavit of Fair Market Value missing from loan file
|
06/05/2026 Client provided missing, fully executed Affidavit of Fair Market Value.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409052452
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Appraisal fee increase on LE XXX with no valid reasons documented in file. Condition is pending receiving PCCD
reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
06/05/2026 Client provided a rebuttal of: Lender disagrees with the condition. Following Issuance of the Initial disclosures and placement of the appraisal
order, it was determined a rush fee would be required to meet timeline do to limited appraiser availability. The updated $XXX reflects the actual cost, including the required rush fee. Also provided a copy of the Appraisal invoice reflecting
Total 3rd party, independently contracted appraisal fee: $XXX and Management fee, 3rd party processing and financial fees, and any applicable federal, state and local regulatory fees: $XXX. Condition remains. Provide evidence of the
Borrowers request and or approval of the rush fee prior to it being added, for re-review or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 06/12/2026 Client provided PCCD XXX with cure, copy of the
cure check, LOE and in transit shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409052452
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Provide asset statement(s) meeting guidelines, supporting Borrowers had liquid funds of $XXX to support exclusion of two open XXX accounts from DTI. May be
subject to additional conditions upon review.
|
6.9.2026 Client provided Lender LOX rebuttal regarding Mutual funds that were verified and is eligible to support the two open XXX XXX balances. Accepting
assets.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409052516
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD XXX in file is not signed nor evidence found in file of both title holders receipt. Condition is pending receiving both title holders acknowledgment
receiving initial CD min XXX prior to closing.
|
06/17/26 Client provided the fully executed Initial XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX with same employer.
|
|
409052516
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing XXX findings used in file.
|
6/2 Client changed review to XXX XXX XXX not required; provide updated lock 6/2 Client provided lock as XXX XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX with same employer.
|
|
409052516
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated third-party property valuation product due to XXX score of XXX. Appraised value of $XXX to be supported.
|
6/16 Client provided a XXX supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX with same employer.
|
|
409052573
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX, guideline minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|||||||||||||||
|
409052951
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
06/01/26 Client provided the missing XXX Initial CD. (Difference in Product due to CD reflects Step Rate for Buydown and Note reflects Fixed, as Buydown
Agreement is separate from the Note).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIANo Reserves Required
|
|
409052951
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX prior to closing.
|
06/01/26 Client provided the missing XXX Initial CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIANo Reserves Required
|
|
409052952
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.
|
(No Data)
|
Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no
violation.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX with same employer.
|
|
409052952
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing an additional XXX. of housing payment history to meet the required XXX guideline; bank statements only verify mo. of payment to XXX.
|
5/28 Client provided an approved exception to allow the file without the VOR
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX with same employer.
|
|
409052953
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing evidence to verify tax and insurance payments for REOs at XXX and XXX.
|
6.1.2026 Client provided evidence of taxes on both requested LOTS
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, or XXX PITIA. Reserves not required per XXX.
|
|
409052953
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, or XXX PITIA. Reserves not required per XXX.
|
|
409052953
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5291
|
TRID: CD: The amount of Estimated Escrow in the Projected Payments section is inaccurate
|
No
|
Final Closing Disclosure Estimated Escrow of $XXX does not match final Initial Escrow Analysis and First Payment Letter of $XXX. Condition is pending LOX with
corrected PCD to borrower.
|
06/04/26 Client provided corrected XXX and 1st Payment Letter with the following Per seller: Payment Letter and XXX back to a monthly tax number of $XXX.
Condition remains for a copy of a corrected 1008.06/05/2026 Client provided the updated 1008 matching the first payment letter.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, or XXX PITIA. Reserves not required per XXX.
|
|
409052953
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence to verify tax and insurance payments for REOs at XXX and XXX.
|
6.1.2026 Client provided evidence of taxes on both requested LOTS
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, or XXX PITIA. Reserves not required per XXX.
|
|
409052953
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing 3rd party property valuation supporting $XXX appraisal value due to XXX Risk not assessed.
|
6/10 Client provided a XXX supporting the appraised value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, or XXX PITIA. Reserves not required per XXX.
|
|
409052955
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Missing all photos of subject property, aerial map, site plan, appraiser license copy, E&O Insurance copy, and sketch addendum.
|
5/27 Client provided the complete appraisal with all attachments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX at current residence.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX
|
|
409052956
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Assets
|
Waived
|
C
|
B
|
C
|
B
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
Provide source documentation for $XXX gift.
|
5/27 Client provided an approved exception to allow the file without the source of the gift
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX on previous mortgages
|
|
409052956
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Final 1003 shows borrowers current address at XXX. Per 3rd party property was sold XXX. Provide Borrowers address between XXX and closing of XXX
|
5/27 Client provided an approved exception to allow the file without the updated address on 1003
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX on previous mortgages
|
|
409052956
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
CU Score XXX. Provide updated valuation
|
5/27 Client provided an XXX supporting the appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX on previous mortgages
|
|
409052957
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > XXX reserves. min required of $XXX.
|
|
409052957
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
B
|
C
|
A
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
No
|
Loans with PIW require an XXX. Missing XXX.
|
5.28.2026 Client provided spreadsheet with XXX info however missing copy of actual XXX supporting value for loan file. Condition remains for XXX supporting
value used per PIW XXX Spreadsheet XXX is accepted per updated guidance, XXX provided supports value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > XXX reserves. min required of $XXX.
|
|
409052957
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Loans with PIW require an XXX. Missing XXX.
|
5.28.2026 Client provided spreadsheet with XXX info however missing copy of actual XXX supporting value for loan file. Condition remains for XXX supporting
value. XXX Spreadsheet XXX is accepted per updated guidance, XXX provided supports value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > XXX reserves. min required of $XXX.
|
|
409052957
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
No inspection for XXX disaster #XXX declared XXX. Provide attestation or PDI.
|
5.29.2026 Client provided copy of XXX however initial condition is for missing Post Disaster Inspection. Condition remains 6/1 Client provided an Attestation
from XXX that No claims have been on the subject property since the XXX event
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITIA > XXX reserves. min required of $XXX.
|
|
409052958
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX at current job.
|
|||||||||||||||
|
409052959
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409052959
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Insufficient assets verified in the file to meet the closing cost requirement. Total liquid assets verified were $XXX with cash required to close of $XXX
(including the EMD) leaving $XXX short to close. Final 1003 indicates borrowers are selling their departing residence with proceeds of $XXX. File is missing the final, fully executed Settlement Statement/Closing Disclosure.
|
5.29.2026 Client provided executed Seller CD from sale of departure home (closed simultaneously) with payoff of existing lien and netting proceeds of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409052959
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2550
|
Missing HUD-1 from sale of property
|
No
|
Final 1003 indicates borrowers' departing residence is pending sale and the PITI payment was not included in the debts. File is missing a copy of the final,
fully executed Settlement Statement/Closing Disclosure verifying property was sold and the mortgage was paid off.
|
5.29.2026 Client provided executed Seller CD from sale of departure home (closed simultaneously) with payoff of existing lien and netting proceeds of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409052962
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per XXX, Initial Closing Disclosure was issued on XXX which is missing from file.
|
06/01/26 Client provided the missing Initial XXX CD and Disclosure Log History. Condition remains. Per the Disclosure Log History, 2 additional Revised LEs were
delivered, however they are missing from the file. Provide the Revised XXX and XXX LEs along with any corresponding COCs.06/02/2026 Client provided missing LE's XXX and XXX with COC for changes.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX reported XXX; XXX required.
|
|
409052962
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Lender's Application Date is XXX; List of homeowners counseling organizations in file is dated XXX. Missing list issued within XXX of application date.
|
05/29/26 Client provided an approved exception for the Homeowners Counseling List timing violation.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX reported XXX; XXX required.
|
|
409052962
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Lender's Application Date is XXX and the earliest LE in file is dated XXX. Missing LE issued within XXX of application date.
|
06/01/26 Client provided the missing XXX Initial LE package and Disclosure Log History.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX reported XXX; XXX required.
|
|
409052962
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD.
|
06/01/26 Client provided the missing Initial XXX CD and Disclosure Log History.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX reported XXX; XXX required.
|
|
409052962
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
File is missing Initial CD XXX. Provide missing disclosures and evidence that all titleholders received initial CD.
|
06/01/26 Client provided the missing Initial XXX CD and Disclosure Log History.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX reported XXX; XXX required.
|
|
409052962
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support the appraisal value of $XXX. XXX score is XXX.
|
5/29 Client provided an XXX with a value of $XXX not supporting the value6/5 Client provided a XXX support the value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX reported XXX; XXX required.
|
|
409052964
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX of PITIA available in reserves. Reserves not required by XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 102 points above the minimum required score of XXX.
|
|
409052967
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD
|
06/03/2026 Client provided duplicates of LE XXX, COC XXX and audit trail for XXX. Condition remains. Provide the missing Initial CD received by both a minimum
of XXX prior to closing with any corresponding COC and Audit trail if CD is not signed by both. 06/05/26 Client provided a response stating the Initial CD and Final CD are the same doc, along with the Initial CD tracking. Condition remains.
The Tracking shows the Initial CD was issued/delivered on XXX. The Final CD in file was issued on XXX. Please provide the missing 4/7 CD for testing.06/05/26 Client provided the Initial XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX. XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409052967
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Final CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX prior to closing.
|
06/03/2026 Client provided duplicates of LE 4/2, COC XXX and audit trail for XXX. Condition remains. Provide the missing Initial CD received by both a minimum
of XXX prior to closing with any corresponding COC and Audit trail if CD is not signed by both.06/05/26 Client provided a response stating the Initial CD and Final CD are the same doc, along with the Initial CD tracking. Condition remains.
The Tracking shows the Initial CD was issued/delivered on XXX. The Final CD in file was issued on XXX. Please provide the missing XXX CD for testing.06/05/26 Client provided the Initial XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX. XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409052967
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to added Discount Points on Final CD XXX with no valid COC in file. Per Disclosure Tracking in file, a revised LE XXX
was issued along with COC but all disclosures are missing. Condition is pending receiving missing disclosures for further testing. Additional conditions may apply.
|
06/01/26 Client provided the missing XXX LE package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX. XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409052979
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
B
|
C
|
A
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
No
|
PIW requires AVM
|
6/1 Client provided a BPO supporting the value
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409052979
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA858
|
Natural Disaster Area, no subsequent inspection (Individual & Public)
|
No
|
PDR in file, however loans with PIWs require an AVM.
|
6/1 Client has a XXX Property report showing no damage since XXX event
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409052979
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Value
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAVALU3872
|
Missing Initial Valuation Product
|
No
|
Missing Initial Valuation Product. Per guidelines PIW requires AVM
|
6/1 Client provided a BPO supporting the value
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409052981
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409052981
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Waived
|
D
|
B
|
D
|
B
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
File is missing an additional month's bank statement (ending XXX or XXX) for XXX account #'s xxXXX & xxXXX for a complete XXX.
|
5/27 Client provided an approved exception to allow the file with XXX Bank statement
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409052981
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
File is missing evidence of satisfactory XXX housing payment history.
|
5/27 Client provided an approved exception to allow the file without the VOR
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409052982
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets for reserves is sufficient to cover required $XXX.
|
|
409052982
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA5047
|
Natural Disaster Area, no indicated disaster end date by FEMA
|
No
|
Provide post disaster inspection for XXX XXXPublic & IndividualHurricaneHurricane XXXXXX
|
6/12 Client provided a post disaster inspection showing no damage since the XXX event
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets for reserves is sufficient to cover required $XXX.
|
|
409052982
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAFEMA858
|
Natural Disaster Area, no subsequent inspection (Individual & Public)
|
No
|
Missing exterior inspection.
|
(No Data)
|
satisfied w XXX see updated XXX
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets for reserves is sufficient to cover required $XXX.
|
|
409052982
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Value
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAVALU3872
|
Missing Initial Valuation Product
|
No
|
Missing required XXX ordered by purchaser. Missing third party valuation product. Additional review required to confirm the required XXX or lower score or XXX
|
5/27 Client provided an XXX supporting the appraisal
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets for reserves is sufficient to cover required $XXX.
|
|
409052988
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPXXXHE308
|
Voluntary Same-Lender Debt disclosure not provided to borrower
|
No
|
XXX EQ Voluntary Same-Lender Debt disclosure missing.
|
05/29/26 Client provided an approved exception for the missing Voluntary Same Lender Debt disclosure.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; Per XXX, $XXX reserves required to be verified. XXX Bulk Overlay requirement met.
|
|
409052990
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: The Borrower has been in the same profession for XXX. The Co-Borrower has been in the same profession for XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX Guidelines allow XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX. XXX mortgage payment history; XXX required.
|
|||||||||||||||
|
409052991
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B1 been in the same line of work for XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below XXX Bulk Overlay maximum guideline requirement of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed XXX Bulk Overlay guideline minimum of XXX
|
|
409053141
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX qualifying credit score, minimum required is XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has XXX with current employer, B2 has XXX.
|
|
409053155
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|||||||||||||||
|
409053926
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Affiliate Business Disclosure/ FACTS missing in file
|
06/10/26 Client provided an LOE from Lender stating they do not maintain any affiliated business arrangements.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409053926
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409054334
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees and Realtor Commission fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This
exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX at present job
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX mortgage payment history XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XX
|
|
409054577
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX at present job
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX PITI > min required reserves of XXX.
|
|||||||||||||||
|
409055112
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX at current job.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min of XXX.
|
|||||||||||||||
|
409055338
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC191
|
Missing Mortgage
|
No
|
Provide copy of mortgage
|
04/10/2026 Client provided the missing, fully execute XXX Deed of Trust.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: The total DTI is XXX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- XXX Comments: Borrowers have no late payments on the mortgage history
|
|
409055338
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
CU score of XXX. Missing updated third party valuation.
|
5.12.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: The total DTI is XXX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- XXX Comments: Borrowers have no late payments on the mortgage history
|
|
409055340
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2354
|
Asset Verification In File is Incomplete Per Requirements
|
No
|
Missing the Summary Plan Description for the borrowers XXX retirement account to confirm access to the funds. The document in file is only general information
for a 401k hardship withdrawal that states some 401k plans allow withdrawals for qualified hardships.
|
4.23.2026 Client provided copy of 401k terms of withdrawal of funds
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX DTI below guideline of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO exceeds guideline of XXX.
|
|
409055340
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL100
|
Potential title issue
|
No
|
Missing proof that Schedule C items #8 and #9 were removed from title.
|
4.28.2026 Client provided Final Title with removal of requested items
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX DTI below guideline of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO exceeds guideline of XXX.
|
|
409055340
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR119
|
Appraisal documentation does not support occupancy
|
No
|
Occupancy type is marked as vacant on the appraisal report. Provide corrected appraisal.
|
4.23.2026 Client provided updated appraisal
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX DTI below guideline of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO exceeds guideline of XXX.
|
|
409055342
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Median FICO XXX > is above guideline minimum credit score XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-Borrower has significant time at current job, XXX.
|
|||||||||||||||
|
409055343
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
B
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Provide Affiliated Business Disclosure
|
04/23/2026 Client provided Collaborate comment: please refer to our compliance report, page 2, no fees were paid to any affiliates, we don't have any
affiliates. Condition remains. Provide a signed letter of attestation from the Lender of no Affiliates for the file. 04/24/2026 Client provided a sign letter from Lender stating they do not have any affiliate relationships, therefore no
affiliated Business disclosure is required.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history of XXX exceeds guidelines of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV at XXX% below guideline requirements of XXX%
|
|
409055343
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
B
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
B
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR1939
|
Appraiser License for Incorrect State
|
No
|
Condition added with review of Field Review Field review report did not have a copy of XXX appraiser license, please provide
|
4.17.2026 Client provided Field review appraiser license
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history of XXX exceeds guidelines of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV at XXX% below guideline requirements of XXX%
|
|
409055343
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
B
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
B
|
A
|
Property Valuations
|
Value
|
Satisfied
|
C
|
A
|
C
|
B
|
PRVAVALU5249
|
Property Value Not Supported
|
No
|
Updated appraisal variance is -XXX%. Provide 3rd party verification supporting the appraised value.
|
4.16.2026 Client provided Field Review dated XXX with value supported
|
Condition satisfied
|
Not Applicable
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history of XXX exceeds guidelines of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV at XXX% below guideline requirements of XXX%
|
|
409055344
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
B
|
B
|
B
|
B
|
CMPTRID4056
|
TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the XXX Calculated Total Payment Amount
|
No
|
Corrected on PCCC:XXX. Exception satisfied.
|
(No Data)
|
(No Data)
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO exceeds guideline of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX DTI below guideline of XXX.
|
|
409055345
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support the appraised value.
|
4.28.2026 Client provided duplicate (in file) subject appraisal however initial condition is for missing 3rd party valuation supporting appraised value.
Condition remains 5.1.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX at current job
CFCFS1744: DTI below guideline requirement
- XXX Comments: The total DTI is XXX%
|
|
409055346
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Median FICO XXX > is above guideline minimum credit score XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Significant time at current residence, XXX.
|
|||||||||||||||
|
409055348
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit
or refund provided
|
No
|
Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $XXX for XXX tolerance fees.The credit report increased from $XXX
to $XXX for a tolerance of $XXX. A cure was provided on the Final CD in the amount of $XXX, leaving a remaining tolerance of $XXX.
|
05/14/2026 Client provided PCCD XXX with the additional Cure, and LOE. Condition remains for copy of the additional cure check and evidence of shipment to
Borrower. 05/15/2026 Client provided a duplicate copy of the LOE labeled as Refund check. Condition remains for a copy of the refund check and evidence it was shipped to the Borrower for review.5/20/26 Client provided signed attestation by
the borrower regardign receiving a cashiers check. Condition satisfied
|
5/20/26 Condition satisfied
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI at XXX% below guideline requirement of XXX%
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history of XXX exceeds guidelines of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV at XXX% below guideline requirements of XXX%
|
|
409055348
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Provide the lender's QM determination
|
5.15.2026 Client provided Lender QM XXX status determination
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI at XXX% below guideline requirement of XXX%
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history of XXX exceeds guidelines of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV at XXX% below guideline requirements of XXX%
|
|
409055349
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
(No Data)
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX DTI below guideline of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO exceeds guideline of XXX.
|