EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.02 - Schedule 1

 

Loan ID Seller Loan ID Field Name Verified Value Bid Tape Value Comment
2143782 XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX XXX confirmed using Lock Confirmation
2143783 XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX XXX confirmed using Lock Confirmation
2106738 XXXXX Qualifying Housing Debt Income Ratio XXX XXX Verified the Qualifying DTI XXX%
2106738 XXXXX Total Qualified Assets Available For Reserves XXX XXX Verified XXX $ XXX
2143808 XXXXX Refinance Type XXX XXX Loan is a limited cash-out refinance
2143809 XXXXX Refinance Type XXX XXX Per final CD; borrower is paying off several non-mortgage related entities.
2143810 XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX XXX confirmed using Lock Confirmation
2143814 XXXXX Qualifying Total Debt Income Ratio XXX XXX Difference in DTI is due to Audit's Total Monthly Liabilities amount of XXX vs lenders $XXX.
2143814 XXXXX Refinance Type XXX XXX Updated the XXX according to the Loan approval
2143817 XXXXX Qualifying Total Debt Income Ratio XXX XXX AUDIT: Subject Property expenses=$XXX vs Lender's expenses=$XXX minimal variance.. ll other monthly payments used in qualifying.. UDIT: XXX vs Lender's: $XXX.. Variance-<$XXX>. Other REO expenses may have been calculated slightly higher than by Lender. < XXX% variance
2143819 XXXXX Qualifying Total Debt Income Ratio XXX XXX Audited Total Qualifying DTI is higher than Lenders due to missing documentation for REO taxes and insurance documentation.
2143819 XXXXX Refinance Type XXX XXX Audited the refinance is a rate/term refinance with borrower bringing cash to closing
2143819 XXXXX Verified Doc Type XXX XXX Audited confirmed the loan is a XXX month bank Statement program meets program guidelines
2143828 XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX XXX confirmed using Lock Confirmation
2143835 XXXXX Convertible ARM Flag XXX XXX Not convertible per Note.
2143835 XXXXX Qualifying Total Debt Income Ratio XXX XXX Income calculation was lower.
2143841 XXXXX Refinance Type XXX XXX Updated as per Final CD Cash Out
2143851 XXXXX Refinance Type XXX XXX XXX confirmed with Initial 1003.
2143854 XXXXX Qualifying Total Debt Income Ratio XXX XXX DTI mismatches, hence manually calculated ratio matches with True data condition added for Corrected XXX
2143871 XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX XXX confirmed using Lock Confirmation
2143871 XXXXX Refinance Type XXX XXX No cash out to B1, Cash to close on the final CD: Cash to Close From B1 is $XXX. Message Finding reflects: The amount of cash-out proceeds received by the borrower at consummation: (XXX), as revealed in the (Cash Out (incl Non-Mtg Debt Paid at Close) field on the Final Closing Disclosure card as found on the Final Closing Disclosure Detail page exceeds the limitation of the Purpose of Loan field: (XXX) on the Loan and Property Information card found on the 1003 page. Please make appropriate corrections.
2143873 XXXXX Qualifying Total Debt Income Ratio XXX XXX Total Qualifying DTI Is higher than Lenders. The Review is using Net Negative REO Rentals of XXX vs Lender Loan Approval of $XXX.Audited PITI payments don't have taxes for all REO properties.
2143873 XXXXX Refinance Type XXX XXX Confirmed with the final CD; borrower is not receiving any C/O funds other than the subject mortgage.
2143882 XXXXX Qualifying Total Debt Income Ratio XXX XXX HOI Policy shows a higher annual amount than lender calculated.
2143882 XXXXX Refinance Type XXX XXX The XXX has been confirmed per the final Closing Disclosure (CD)
2143882 XXXXX Underwriting Exception in File? XXX XXX Lender Exception received during condition clearing.
2143885 XXXXX Refinance Type XXX XXX Subject is a Limited Cash Out Refinance and not cash out other
2143896 XXXXX Borrower 1 Self-Employment Flag XXX XXX DSCR loan. Employment is XXX.
2143899 XXXXX Qualifying Total Debt Income Ratio XXX XXX Within tolerance, made corrections based on documentation in file for rental properties which increased DTI
2143899 XXXXX Refinance Type XXX XXX corrected to match program
2143903 XXXXX Qualifying Total Debt Income Ratio XXX XXX Based on income and liability calculations
2143910 XXXXX Lock Date XX/XX/XXXX XX/XX/XXXX XXX confirmed using Lock Confirmation
2143916 XXXXX Qualifying Total Debt Income Ratio XXX XXX Confirmed XXX% DTI due to lower All Other Monthly Payments Used in Qualifying. XXX is applying positive net subject rental as income instead of netting out as liabilities.
2091069 XXXXX T & I Payment XXX XXX XXX taxes + XXX insurance = XXX TIA