|
Loan ID
|
Seller Loan ID
|
Investor Loan ID
|
Field Name
|
Verified Value
|
Bid Tape Value
|
Comment
|
|
409039975
|
XXXXX
|
Prepayment Penalty Total Term
|
XXX
|
XXX
|
Prepayment addendum reflects XXX months.
|
|
|
409039746
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX is lower than appraised value. Using PP as value.
|
|
|
409040210
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Audit captured data from the appraisal which reflects semi-XXX. Semi-XXX per lender is to be captured as an XXX property.
|
|
|
409041563
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Appraisal confirms value of $XXX. Tape data value XXX.
|
|
|
409041563
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Audit CLTV XXX% matches the lender's final XXX Tape data value XXX.
|
|
|
409041563
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Audit LTV XXX% matches the lender's final XXX Tape data value XXX.
|
|
|
409042161
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
The appraisal supports a value of XXX
|
|
|
409043118
|
XXXXX
|
Interest Rate
|
XXX
|
XXX
|
Audit verified the XXX of XXX% on the Note document and the Final CD.
|
|
|
409043118
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
Audit verified the XXX checked for Homeowner's Insurance only on the Final CD.
|
|
|
409043698
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX confirmed using Appraisal as XXX Tape data is XXX
|
|
|
409045319
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Subject is a PUD per appraisal.
|
|
|
409045319
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
Escrows are XXX per the final CD in file with flood insurance only.
|
|
|
409046918
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX confirmed using appraisal report, tape data reflects post close appraisal value.
|
|
|
409050208
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409043120
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Per appraisal XXX is $XXX. XXX is $XXX.
|
|
|
409043414
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Confirmed the XXX of XXX from the appraisal and the Desktop Analysis.
|
|
|
409050191
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409050153
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Final DTI XXX% vs XXX% Lender XXX = Variance XXX per month. (Additional deposit $XXX transfer dated XX/XX/XXXX excluded) / Monthly Income:
XXX vs XXX
|
||
|
409050289
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409050199
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
The DTI differs between my calculation and the UW’s calculation due to the subject PITIA.
|
||
|
409050247
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409047764
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
Borrower has provided XXX months business bank Statements.
|
|
|
409051882
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Verified, XXX is correct
|
||
|
409051886
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409051891
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
The total monthly debt is $XXX/ qualifying income $XXX=XXX% DTI
|
||
|
409051898
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409051864
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409051864
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Based on the credit and income the DTI is XXX
|
||
|
409051917
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409051918
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
DTI calculated as per available documents
|
||
|
409051928
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409051930
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409051945
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409051872
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409051949
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409051956
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409051957
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409051959
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409051963
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409051878
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409047834
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
Updated as per income documents
|
|
|
409041764
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX confirmed using appraisal report.
|
|
|
409041764
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Qualifying LTV XXX% confirmed using lower of appraised value XXX tape data used higher appraised value of XXX
|
|
|
409041764
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Qualifying CLTV XXX% confirmed using lower of appraised value XXX tape data used higher appraised value of XXX
|
|
|
409041764
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
XXX PUD confirmed using PUD Rider.
|
|
|
409051871
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409047003
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Verified XXX PUD XXX as per Appraisal XXX in file.
|
|
|
409045327
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Updated As Per Appraisal.
|
|
|
409045327
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Updated As Per Appraisal XXX; XXX% matches lender's approval.
|
|
|
409045327
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Updated As Per Appraisal XXX; XXX% matches lender's approval.
|
|
|
409045327
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
Final CD reflects escrows.
|
|
|
409045327
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
Updated As Per Final CD.
|
|
|
409050294
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Verified to appraised value vs. loan amount.
|
|
|
409050294
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Qualifying FICO score of XXX verified with credit report dated XXX/XXX/XXX.
|
|
|
409050294
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Audit LTV of XXX% matches the lender’s final XXX LTV of XXX%.
|
|
|
409050294
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Audit CLTV of XXX% matches the lender’s final XXX CLTV of XXX%.
|
|
|
409050294
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
XXX of PUD verified via the appraisal and PUD rider XXX to Deed of Trust.
|
|
|
409049981
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Confirmed mid score as XXX per credit report.
|
|
|
409051812
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Property is a semi-XXX but marked as XXX per directive.
|
|
|
409051812
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Subject is a semi-XXX end unit and not a PUD.
|
|
|
409050108
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
True Data value matches Tape data of XXX months bank Statements
|
|
|
409051233
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX for one appraisal was XXX and for the other appraisal was XXX price = XXX Used the lower of the two appraised values XXX per lender
guidelines, which also matches the XXX price.
|
|
|
409051233
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Qualifying FICO is XXX (middle score) per the credit report. Lender's final XXX also shows XXX to match.
|
|
|
409050639
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
PUD rider in file, Subject is a XXX PUD per appraisal in file.
|
|
|
409049742
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
The appraisal supports the value of $XXX vs XXX price of XXX
|
|
|
409051750
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Confirmed the qualifying CLTV of XXX% which matches the XXX
|
|
|
409051750
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Confirmed the qualifying LTV of XXX% which matches the XXX
|
|
|
409049740
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Confirmed with Appraisal and Rider
|
|
|
409050646
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
XXX months bank Statements required, XXX months provided.
|
|
|
409050966
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
Per submission loan is a limited cash out
|
|
|
409049672
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX per the appraisal in file is XXX
|
|
|
409049672
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Loan amount $XXX/ value XXX = XXX% CLTV.
|
|
|
409049672
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Loan amount $XXX/ value XXX = XXX% LTV.
|
|
|
409051171
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Audited credit report indicates min score is XXX
|
|
|
409051124
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Audited XXX & Desk Review, XXX is XXX
|
|
|
409047886
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Per Appraisal Semi XXX
|
|
|
409051190
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Audit verified XXX per appraisal utilized for qualifying as value of $XXX. XXX
|
|
|
409050965
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
As per the appraisal report, the property is shown as S-Det/End Unit; however, as per the Deal Guide, if the XXX is S-Det/End Unit, it
should be updated as ‘XXX.’
|
|
|
409049941
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Audit credit report show min score of XXX
|
|
|
409049941
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Audited CLTV of XXX% exceeds Guideline CLTV of XXX% (Borrower is a Xst time XXX)
|
|
|
409049941
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Audited CLTV of XXX% exceeds Guideline CLTV of XXX% (Borrower is a Xst time XXX)
|
|
|
409051263
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Audit verified the XXX of XXX on the Appraisal document.
|
|
|
409051263
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Audit verified the property attachment of XXX on the Appraisal document.
|
|
|
409051169
|
XXXXX
|
Prepayment Penalty Total Term
|
XXX
|
XXX
|
No Prepayment Penalty was confirmed with Note
|
|
|
409051169
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
LTV difference observed between data compare and our calculation due to loan amount discrepancies across XXX Note, CD, and Mortgage
documents
|
|
|
409051169
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
CLTV difference observed between data compare and our calculation due to loan amount discrepancies across XXX Note, CD, and Mortgage
documents
|
|
|
409051169
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
XXX was confirmed with CD
|
|
|
409050434
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Property is a XXX dwelling and not a PUD per the appraisal report.
|
|
|
409050436
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Property is a XXX dwelling and not a PUD per the appraisal report.
|
|
|
409050430
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Audited LTV is XXXX% based on the loan amount XXX and the appraised value XXX Audited LTV matches lender's final XXX
|
|
|
409050430
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Audited CLTV is XXXX% based on the loan amount XXX and the appraised value XXX Audited CLTV matches lender's final XXX
|
|
|
409050430
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Property is a XXX dwelling and not a PUD per the appraisal report.
|
|
|
409051696
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Qualifying LTV is XXX% confirmed with manual calculations and appraisal.
|
|
|
409051696
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
XXX confirmed $XXX/$XXX = XXX%.
|
|
|
409051696
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
PropertyAttachment type is XXX confirmed with Appraisal.
|
|
|
409051532
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
The appraisal reflects a value of XXX
|
|
|
409051466
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX used as Value for subject XXX transaction.
|
|
|
409053644
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053654
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053662
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Confirmed XXX% DTI due to XXX variance in HOI using documentation in file.
|
||
|
409053664
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053668
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053672
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
DTI difference due to Auditor updating monthly tax payment
|
||
|
409053679
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Audit Bank Statement income =$XXX Lender Bank Statement Income = $XXX. On XX/XX/XXXX - Lender provided updated 1003, XXX and email
confirming the lot rent and taxes for REO XXX XXX to cover the remaining required XXX months housing history. This also resulted in lender increased DTI of XXX. Audit's DTI increased to XXX due to lower Bank Statement Income.
|
||
|
409053680
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053685
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
DTI decreased due to property tax decreased
|
||
|
409053687
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053691
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053707
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053714
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053721
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053745
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053750
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Per PITI and other debt
|
||
|
409053753
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053767
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053770
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
The file is interest-only, so the calculated DTI matches the reviewed QM qualifying rate in LM and is confirmed in the QM findings
|
||
|
409053773
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender did not exclude transfers, did not exclude all of the OD protection deposits and did not include most recent XX/XX/XXXX Statement.
This caused the DTI to increase.
|
||
|
409053776
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053790
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
XXX Variance Noted due to Auditor Calculated Lower Income than Lender Calculated- Income $XXX/ Total Liabilities-$XXX= XXX%
|
||
|
409053791
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
DTI discrepancy is due to the REO expenses. For the properties at XXX, taxes and insurance (T&I) are already included in the mortgage
Statement. However, the lender has applied T&I again, resulting in a double charge.
|
||
|
409053796
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053804
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053805
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053806
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Missing pending sale for XXX and HOA included into XXX REO
|
||
|
409053811
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053811
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
Lender not include HO6 Insurance Premium.
|
||
|
409053815
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053816
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409053816
|
Qualifying Total Debt Income Ratio
|
XXX
|
XXX
|
The DTI is XXX% income decreased/ updated, and caused increase. additional large deposit of XXX was excluded in audit income calc from
XX/XX/XXXX Statement.
|
||
|
409053819
|
Loan Purpose
|
XXX
|
XXX
|
Per Final 1003/Final CD purpose of this loan is a XXX
|
||
|
409045194
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Value per appraisal in file is XXX
|
|
|
409045194
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Loan amount $XXX/ value XXX = XXX LTV.
|
|
|
409045194
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Subject property is XXX per appraisal and photos' in file.
|
|
|
409045194
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Loan amount $XXX/ value XXX = XXX CLTV.
|
|
|
409045194
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
XXX is XXX due to limited funds received at closing per the final CD in file.
|
|
|
409050063
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX is XXX per the appraisal report. Tape data is showing the XXX price.
|
|
|
409050063
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Qualifying CLTV is XXX% based on the loan amount XXX and the XXX Price of XXX This also matches lender's final XXX
|
|
|
409050063
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Qualifying LTV is XXX% based on the loan amount XXX and the XXX Price of XXX This also matches lender's final XXX
|
|
|
409050063
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Property is semi-XXX end unit, per guidelines this is coded XXX.
|
|
|
409050733
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Mid Fico is XXX verified per Credit report
|
|
|
409051129
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Property is a XXX-unit XXX dwelling per the appraisal report.
|
|
|
409050106
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Mid score XXX per credit report
|
|
|
409051770
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Updated XXX as per Appraisal located in the file. Second Appraisal required not in file.
|
|
|
409051770
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
The appraisal value on the XXX and the appraisal report are different. The appraisal report value has been updated; therefore, the LTV on
the XXX is now mismatched. Subject loan XXX divided by XXX equals XXX%.. XXX cited per the XXX missing supporting Appraisal Report.
|
|
|
409051770
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
The appraisal value on the XXX and the appraisal report are different. The appraisal report value has been updated; therefore, the CLTV on
the XXX is now mismatched.
|
|
|
409051228
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Audit XXX captured from the appraisal and supported with PUD Rider.
|
|
|
409049963
|
XXXXX
|
Prepayment Penalty Total Term
|
XXX
|
XXX
|
No Prepayment Penalty in the file. Six month Prepayment restriction disclosure without penalty. p XXX
|
|
|
409049935
|
XXXXX
|
Prepayment Penalty Total Term
|
XXX
|
XXX
|
No prepayment penalty is confirmed in the Final CD and Note; Six month prepayment restriction disclosure p. XXX
|
|
|
409049422
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
Business name reflecting in bank Statements.
|
|
|
409051522
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Audit verified the XXX as XXX on the Appraisal document.
|
|
|
409051522
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
Audit verified the XXX as XXX as evidenced on the Final CD that the borrower received XXX
|
|
|
409051089
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
XXX confirmed using appraisal report.
|
|
|
409050547
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
XXX per appraisal
|
|
|
409050547
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
LTV of XXX matches lender calculation on the XXX
|
|
|
409050547
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
CLTV of XXX matches lender calculation on the XXX
|
|
|
409050547
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
Transaction is cash out per settlement Statement
|
|
|
409052399
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Subject is a PUD per appraisal
|
|
|
409047432
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
The bank Statements in file used to qualify are from borrower's business account.
|
|
|
409051550
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
XXX is limited cash out per Final CD.
|
|
|
409052016
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
Flood Insurance is escrowed
|
|
|
409046940
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX confirmed using appraisal report.
|
|
|
409046940
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Qualifying CLTV XXX% confirmed using appraisal and loan amount. Matches Final XXX
|
|
|
409046940
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Qualifying LTV XXX% confirmed using appraisal and loan amount. Matches Final XXX
|
|
|
409051200
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Qualifying CLTV is XXX%, calculated by loan program.
|
|
|
409051200
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Qualifying CLTV is XXX%, calculated by loan program.
|
|
|
409050362
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
Loan is Full Doc as greatest income figure is from full doc income. Asset Depletion income is on loan as well, but this income figure is
lower than the full doc income figure.
|
|
|
409050745
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Value of XXX Updated as per Appraisal.
|
|
|
409050921
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX Updated As Per Appraisal Document
|
|
|
409050921
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
Doc Type Bank Statement Program
|
|
|
409051529
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX is XXX is XXX verified and captured as per Appraisal document
|
|
|
409050612
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Audit FICO captured from the credit report and matches the FICO on the XXX
|
|
|
409051222
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
LTV matches with XXX Document
|
|
|
409051222
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
CLTV matches with XXX Document
|
|
|
409050084
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Subject property is a PUD.
|
|
|
409053555
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
XXX FICO verified per credit report
|
|
|
409053434
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Audit value captured from the appraisal and supported with the CDA.
|
|
|
409053434
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Audit LTV of XXX% matches XXX Application.
|
|
|
409053434
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Audit CLTV of XXX% matches XXX Application.
|
|
|
409051120
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
The appraisal and desk review confirm value of $XXX. Tape data value is XXX.
|
|
|
409051120
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Audit score of XXX matches credit report mid score. Tape data value is XXX.
|
|
|
409051120
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
CLTV based on Note amount/Appraised value. Tape data value is XXX.
|
|
|
409051120
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
LTV based on Note amount/Appraised value. Tape data value is XXX.
|
|
|
409051120
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
HUD reflects borrower receiving XXX cash back.
|
|
|
409051120
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
The appraisal and PUD Rider confirm the subject is a PUD.
|
|
|
409053015
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Audit verified the Qualifying FICO score of XXX on the Credit Report document dated XXX/XXX/XXX.
|
|
|
409053015
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
Audit verified the XXX of XXX as the borrower received XXX as evidenced on the Settlement Statement.
|
|
|
409046954
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
No cash out per final CD, borrower brought funds to the table
|
|
|
409053961
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
There is an IEAD in file. As per Final CD Taxes and Insurance are escrowed.
|
|
|
409052587
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
XXX month business bank Statement.
|
|
|
409052467
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Audit qualifying score of XXX matches the lowest mid score on credit report and XXX Tape data value is the borrower's lowest score.
|
|
|
409051444
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Per appraisal, loan amount is XXX
|
|
|
409051444
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Per appraised value and loan amount
|
|
|
409051444
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Per appraised value and loan amount
|
|
|
409050914
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
QualifyingCLTV is XXX confirmed with XXX Tape Shows Loan amount is XXX but the Original Loan amount is XXX confirmed with Note, Final CD
and Final XXX
|
|
|
409050914
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
QualifyingLTV is XXX confirmed with XXX Tape Shows Loan amount is XXX but the Original Loan amount is XXX confirmed with Note, Final CD
and Final XXX
|
|
|
409050950
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Updated in accordance with the appraisal report, reflecting an appraised value of XXX
|
|
|
409050950
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
CLTV XXX is matching with XXX
|
|
|
409050950
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Updated as per Appraisal Report
|
|
|
409050950
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
LTV XXX is matching with XXX
|
|
|
409050950
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Updated as per Appraisal Report
|
|
|
409052318
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX of XXX updated as per Appraisal Report
|
|
|
409052318
|
XXXXX
|
Sales Price
|
XXX
|
XXX
|
XXX of XXX updated as per contract of sale
|
|
|
409054383
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Verified LTV XXX% subject loan XXX divided by XXX Price XXX as per Sales Contract in file. Value per XXX Appraisal in file XXX Used the
lower of the two.
|
|
|
409054383
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Verified CLTV is XXX% based on subject loan XXX divided by the XXX Appraisal value higher at XXX as per XXX in file. No subordinate
financing applicable.
|
|
|
409053054
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
The bank Statement reflects the company name; therefore, I updated it to include a XXX-month business bank Statement.
|
|
|
409053054
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
Loan contains escrow account per final CD
|
|
|
409053279
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
As per Appraisal XXX is XXX.
|
|
|
409051078
|
XXXXX
|
Sales Price
|
XXX
|
XXX
|
FCD and XXX contract confirm XXX of XXX vs appraised value of XXX
|
|
|
409051078
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
LTV based on XXX of XXX vs appraised value of XXX
|
|
|
409051078
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
CLTV based on XXX of XXX vs appraised value of XXX
|
|
|
409050467
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX per the appraisal in file is $ XXX.
|
|
|
409050467
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Qualifying Mid score per the credit report dated XX/XX/XXXX is XXX
|
|
|
409051142
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Audit's CLTV of XXX% matched the Lender's CLTV of XXX% listed on the XXX
|
|
|
409051142
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Audit's LTV of XXX% matched the Lender's LTV of XXX% listed on the XXX
|
|
|
409053262
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
Income verified with XXX months business bank Statements.
|
|
|
409052472
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
XXX Low mid per credit reports
|
|
|
409047901
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
The subject CLTV is based on XXX of XXX vs appraised value of $XXX.
|
|
|
409047901
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
The subject LTV is based on XXX of XXX vs appraised value of $XXX.
|
|
|
409047901
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
The appraisal and PUD Rider confirm subject property is a PUD.
|
|
|
409050610
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Qualifying FICO confirmed using Credit Report. Lowest mid score between both borrowers is XXX
|
|
|
409051709
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
True Date XXX is $ XXX Tape Date reflects XXX of XXX
|
|
|
409051589
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Verified XXX using Final 1003, XXX & Appraisal document.
|
|
|
409051589
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Verified FICO score using Credit report
|
|
|
409051708
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX confirmed using Appraisal.
|
|
|
409051708
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
FICO score confirmed using Credit Report.
|
|
|
409051510
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Updated value ass XXX as per the Appraisal document
|
|
|
409051285
|
XXXXX
|
Number of Units
|
XXX
|
XXX
|
Updated XXX as per Appraisal document and Final 1003
|
|
|
409051285
|
XXXXX
|
Prepayment Penalty Total Term
|
XXX
|
XXX
|
Updated Prepayment Penalty term using Prepayment addendum Note
|
|
|
409051467
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Final appraised value is XXX
|
|
|
409050983
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Audit verified — XXX confirmed XXX appraisal confirms PUD checkbox marked for subject property (XXX HOA $XXX/yr). Tape data "PUD" is
correct and reconciles to appraisal source documentation. No discrepancy — system field accurate as entered.
|
|
|
409054710
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
FICO is XXX
|
|
|
409054732
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Subject is an XXX dwelling per the appraisal in file.
|
|
|
409054728
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Subject property is an XXX dwelling per the appraisal in file.
|
|
|
409051845
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Loan Amount $XXX/ due to adjusted value as property acquired less than XXX months ago, Value / acquisition costs XXX + documented
improvements XXX = XXX = XXX% LTV.
|
|
|
409051845
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Loan Amount $XXX/ due to adjusted value as property acquired less than XXX months ago, Value / acquisition costs XXX + documented
improvements XXX = XXX = XXX% CLTV.
|
|
|
409051512
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Verified XXX as per Appraisal XXX provided in the file.
|
|
|
409051512
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Verified CLTV XXX%, subject loan XXX divided by XXX which is lower than the Appraised Value XXX
|
|
|
409051512
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Verified LTV XXX%, subject loan amount XXX divided by XXX which is less than Appraisal Value XXX
|
|
|
409051085
|
XXXXX
|
Sales Price
|
XXX
|
XXX
|
Final XXX of XXX per final Closing Disclosure.
|
|
|
409052407
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Subject appraised value is XXX
|
|
|
409051229
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
LTV and CLTV verified by loan amount XXX / XXX value per appraisal
|
|
|
409051229
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
LTV and CLTV verified by loan amount XXX / XXX value per appraisal
|
|
|
409051229
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
Borrower receiving limited cash out less than XXX% of loan amount verified per Final CD.. Loan is not a No cash out product
|
|
|
409051229
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Property verified as a PUD per appraisal report
|
|
|
409051547
|
XXXXX
|
Property Zip Code
|
XXX
|
XXX
|
XXX is the zip code per Note.
|
|
|
409051547
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Value is XXX per Appraisal
|
|
|
409052387
|
XXXXX
|
Sales Price
|
XXX
|
XXX
|
XXX is XXX and Appraised value is $ XXX
|
|
|
409052442
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
XXX verified per appraisal
|
|
|
409052013
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Appraisal reflects XXX.
|
|
|
409052013
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
Final CD reflects escrows for taxes and insurance.
|
|
|
409053264
|
XXXXX
|
Sales Price
|
XXX
|
XXX
|
U/W note please less than XXX sent: Please begin with Audit verifed:XXX:XXX XXX responded: Audit verified: XXX discrepancy identified —
system shows true data of XXX (Property Valuation source) vs udit verified: XXX discrepancy identified — system shows true data of XXX (Property Valuation source) vs. tape data of XXX Per the executed contract and XXX/appraisal, the XXX is
XXX with appraised value of XXX (LTV XXX%)
|
|
|
409052020
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Appraisal value / la = XXX% LTV
|
|
|
409052020
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Appraisal value / la = XXX% LTV
|
|
|
409054725
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Audit FICO captured from the credit report. B2 FICO is XXX
|
|
|
409052047
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX confirmed using appraisal report.
|
|
|
409052047
|
XXXXX
|
Number of Units
|
XXX
|
XXX
|
XXX confirmed using appraisal report.
|
|
|
409052047
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
XXX XX/XX/XXXX units confirmed using appraisal report.
|
|
|
409053903
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Appraised Value is XXX
|
|
|
409052643
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX value per appraisal
|
|
|
409053052
|
XXXXX
|
Sales Price
|
XXX
|
XXX
|
The FCD confirms the XXX price of $XXX vs appraised value of $XXX.
|
|
|
409052319
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
per appraisal audit, value is is XXX
|
|
|
409052319
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
per loan amount and appraisal audit CLTV is XXX%
|
|
|
409052319
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
per loan amount and appraisal audit LTV is XXX%
|
|
|
409051093
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Manual LTV calculation: XXX ÷ XXX appraised value × XXX = XXX%. Rounded XXX% However Tape Data show XXX%
|
|
|
409051093
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Manual CLTV calculation: XXX ÷ XXX appraised value × XXX = XXX%. Rounded XXX% However Tape Data show XXX%
|
|
|
409051093
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
Verified XXX: XXX from Final CD and Post Close CD.
|
|
|
409053912
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Audited XXX is XXX as per XXX & Desk Review
|
|
|
409053912
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Audited CLTV is XXX with Appraised value XXX
|
|
|
409053912
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Audited LTV is XXX with Appraised value XXX
|
|
|
409053912
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
Audited XXX as Limited Cash Out less than XXX
|
|
|
409052391
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
XXX confirmed using Appraisal Report.
|
|
|
409052376
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Appraisal confirms the subject is a XXX PUD.
|
|
|
409052014
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Value is XXX per Appraisal.
|
|
|
409052058
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Audit LTV XXX% matches the lender's final XXX Tape data value XXX.
|
|
|
409052058
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Audit CLTV XXX% matches the lender's final XXX Tape data value XXX.
|
|
|
409050753
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Confirmed the appraisal reflects a value of XXX
|
|
|
409049648
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
The Appraisal confirms the value of $XXX vs XXX of XXX
|
|
|
409049648
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
The bank Statements used in file are from a business account.
|
|
|
409053175
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
The appraisal reflects a XXX of XXX while the sale price is XXX and the Tape Data shows a property valuation of XXX
|
|
|
409051555
|
XXXXX
|
Sales Price
|
XXX
|
XXX
|
Confirmed the XXX of XXX
|
|
|
409051074
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Audit Verified — Prepayment Penalty term confirmed as XXX months at XXX% of the amount prepaid per the executed Prepayment Addendum to
Note and Prepayment Rider dated XXX (Pg. XXX), signed by borrower XXX, consistent with XXX DSCR program guidelines.
|
|
|
409051074
|
XXXXX
|
Prepayment Penalty Total Term
|
XXX
|
XXX
|
Audit Verified — Appraised value of XXX as reflected on the FNMA XXX completed by XXX (Cert Res XXX, XXX) is the controlling value per XXX
guidelines and has been confirmed for use in LTV calculation. Tape data reflecting XXX represents the original XXX; appraised value supersedes per program requirements
|
|
|
409053505
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
CD reflects escrows.
|
|
|
409054723
|
XXXXX
|
Prepayment Penalty Total Term
|
XXX
|
XXX
|
XXX was confirmed with CD
|
|
|
409047597
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Audited CLTV from Loan Amount to Appraised Value is XXX%
|
|
|
409047597
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Audited LTV from Loan Amount to Appraised Value is XXX%
|
|
|
409051821
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX Updated as per Appraisal document
|
|
|
409051821
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
LTV XXX% is matching with XXX
|
|
|
409051821
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
CLTV XXX% is matching with XXX
|
|
|
409051821
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
Updated as per Post Close CD
|
|
|
409053848
|
XXXXX
|
Number of Units
|
XXX
|
XXX
|
Verified XXX as per Appraisal however in 1003 shows as XXX Property has three different units confirmed with Lease document.
|
|
|
409053848
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Verified XXX is two to four family as per Appraisal Form XXX provided in file.
|
|
|
409050087
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Confirmed the apprasial reflects a value of XXX
|
|
|
409050087
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
FICO Score confirmed using Credit Report.
|
|
|
409050087
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Confirmed the LTV of XXX%. Loan amount $XXX/XXX = XXX%
|
|
|
409050087
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Confirmed the CLTV of XXX%. Loan amount $XXX/XXX = XXX%
|
|
|
409053914
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
XXX due to Borrower at closing, limited cash out.
|
|
|
409053914
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
No escrows included in payment per First payment letter
|
|
|
409053559
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
Loan is XXX months business bank Statements.
|
|
|
409053489
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Per appraisal Value XXX
|
|
|
409053090
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
confirmed XXX on appraisal
|
|
|
409056369
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
Final CD reflects escrows in place.
|
|
|
409053027
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
True data shows the appraisal report value, while tape data shows the contract of sale value.
|
|
|
409053027
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Per appraisal report, XXX is PUD.
|
|
|
409053430
|
XXXXX
|
Sales Price
|
XXX
|
XXX
|
Sale Price XXX confirmed using XXX
|
|
|
409053430
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Qualifying LTV XXX% confirmed using XXX
|
|
|
409053430
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Qualifying CLTV XXX% confirmed using XXX
|
|
|
409053430
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Property XXX confirmed using appraisal report.
|
|
|
409053902
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
The final HUD confirms the loan is escrowed for insurance only.
|
|
|
409053247
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Subject XXX updated as per appraisal report.
|
|
|
409053178
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
File submitted as XXX Months Business Bank Statements.
|
|
|
409051807
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX per appraisal
|
|
|
409051807
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
CLTV XXX matches XXX
|
|
|
409051807
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
LTV XXX% matches XXX
|
|
|
409051456
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
XXX captured as PUD as per Appraisal document
|
|
|
409053395
|
XXXXX
|
Number of Units
|
XXX
|
XXX
|
Confirmed XXX using appraisal report.
|
|
|
409050297
|
XXXXX
|
Property Zip Code
|
XXX
|
XXX
|
Confirmed with Note and XXX also verified
|
|
|
409050297
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Confirmed with XXX and Appraisal
|
|
|
409054101
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Appraisal confirms value of XXX vs XXX of XXX
|
|
|
409054101
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
XXX confirmed using Business Bank Statement available in the file. Business bank Statements in file.
|
|
|
409052649
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX value per appraisal
|
|
|
409052649
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Verified XXX: PUD from Appraisal and Deed of Trust
|
|
|
409051577
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX is XXX per the appraisal report. Tape data is capturing the XXX price of XXX
|
|
|
409053170
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Subject is a PUD Per Appraisal, mortgage
|
|
|
409050809
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Confirmed the appraisal reflects a value of XXX
|
|
|
409050809
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Confirmed the LTV of XXX%. Loan amount of $XXX/$XXX value = XXX%.
|
|
|
409050809
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Confirmed the CLTV of XXX%. Loan amount $XXX/$XXX value = XXX%.
|
|
|
409050809
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
Confirmed the borrower was qualified using XXX personal bank Statements.
|
|
|
409054087
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
The appraisal confirms subject is XXX PUD.
|
|
|
409056588
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Subject property is an XXX PUD.
|
|
|
409053238
|
XXXXX
|
Sales Price
|
XXX
|
XXX
|
XXX of $XXX Confirmed with XXX appraisal, Cd, contract of sales
|
|
|
409053238
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Value of XXX Confirmed with XXX appraisal
|
|
|
409053238
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
LTV of XXX% matches XXX
|
|
|
409053238
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
CLTV XXX matches XXX
|
|
|
409053238
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
PUD Confirmed with mortgage, appraisal XXX
|
|
|
409053975
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
Doc Type updated as per Deal Guide
|
|
|
409053102
|
XXXXX
|
Sales Price
|
XXX
|
XXX
|
Confirmed the contract reflected a XXX of XXX
|
|
|
409053102
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Confirmed the appraisal reflected a value of XXX
|
|
|
409053102
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Confirmed the LTV of XXX% which matches the XXX Loan amount/$XXX.
|
|
|
409053102
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Confirmed the CLTV of XXX% which matches the XXX Loan amount/$XXX.
|
|
|
409053102
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
Confirmed XXX months of business bank Statements were provided.
|
|
|
409053102
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Confirmed XXX of PUD per appraisal and Planned Unit Development Rider.
|
|
|
409052925
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
XXX month business bank Statement program
|
|
|
409052409
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX updated as per XXX Appraisal doc. The Desktop Analysis review reflects the same XXX of XXX
|
|
|
409051766
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX updated and verified from appraisal
|
|
|
409055717
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX updated as per the appraisal document at XXX
|
|
|
409052031
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
XXX "XXX" selected based on the Appraisal Report.
|
|
|
409052031
|
XXXXX
|
Refinance Purpose
|
XXX
|
XXX
|
XXX was selected as XXX based on the PCCD, as the XXX amount was not equal to or less than XXX The XXX amount was approximately $XXX;
therefore, the transaction is considered a XXX.
|
|
|
409053191
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Appraised value of XXX verified via the appraisal.
|
|
|
409053177
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Audit verified the XXX of XXX on the Appraisal document.
|
|
|
409051080
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Property is XXX per appraisal.
|
|
|
409053898
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Appraisal confirms value of $XXX vs XXX of XXX
|
|
|
409053898
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Appraisal and Mortgage Rider confirm subject is a PUD.
|
|
|
409053867
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
XXX loan to value of XXX is XXX% CLTV.
|
|
|
409053867
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
XXX loan to value of XXX is XXX% LTV.
|
|
|
409051808
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Confirmed the credit report, dated XX/XX/XXXX reflects the Qualifying FICO of XXX
|
|
|
409051808
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Confirmed the appraisal reflects the property is in a PUD. Planned Unit Development Rider was also provided.
|
|
|
409053497
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Audit verified the XXX of XXX on the Appraisal document.
|
|
|
409053497
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Audit verified the XXX as PUD on the Appraisal and as evidence by the PUD Rider in the loan file.
|
|
|
409053038
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Updated as per the Appraisal document
|
|
|
409053491
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Appraisal report shows the XXX as XXX.
|
|
|
409051504
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Pud per appraisal
|
|
|
409047463
|
XXXXX
|
Interest Rate
|
XXX
|
XXX
|
Audit verified the XXX of XX/XX/XXXX on the Note document.
|
|
|
409057032
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
PUD verified per appraisal in file
|
|
|
409057033
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
PUD verified per appraisal in file
|
|
|
409057033
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
Escrow impounds verified per settlement Statement
|
|
|
409057031
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
XXX as confirmed as per the appraisal
|
|
|
409054385
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
XXX Yes confirmed using Final Closing Disclosure.
|
|
|
409053032
|
XXXXX
|
Pricing Doc Type
|
XXX
|
XXX
|
XXX Years P&Ls in file; Income used reflects XXX mo average.
|
|
|
409053032
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
FCD & PCCD confirm escrows are in place.
|
|
|
409053832
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Audit verified the XXX of XXX on the Appraisal document.
|
|
|
409053832
|
XXXXX
|
Escrow Flag
|
XXX
|
XXX
|
Audit verified the Escrow of Taxes & Insurance checked as yes on the Final CD.
|
|
|
409053362
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
Subject listed as a PUD per the appraisal
|
|
|
409056099
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
Audit verified the XXX of XXX on the Appraisal document.
|
|
|
409056099
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
Audit's CLTV of XXX matches the Lender's CLTV of XXX on the XXX
|
|
|
409056099
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
Audit's LTV of XXX matches the Lender's LTV of XXX on the XXX
|
|
|
409052397
|
XXXXX
|
Sales Price
|
XXX
|
XXX
|
Subject transaction is XXX.
|
|
|
409052397
|
XXXXX
|
Property Attachment Type
|
XXX
|
XXX
|
Confirms with Appraisal
|
|
|
409054005
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX was updated per the recent XXX in the amount of $XXX.
|
|
|
409054005
|
XXXXX
|
Qualifying CLTV
|
XXX
|
XXX
|
CLTV Calculated based on Loan Amount XXX /Appraised Value XXX or XXX CLTV.
|
|
|
409054005
|
XXXXX
|
Qualifying LTV
|
XXX
|
XXX
|
LTV Calculated based on Loan Amount of $XXX/Appraised Value XXX or XXX LTV.
|
|
|
409053189
|
XXXXX
|
Prepayment Penalty Total Term
|
XXX
|
XXX
|
Prepayment rider for XXX months.
|
|
|
409050714
|
XXXXX
|
Subject Property Type
|
XXX
|
XXX
|
XXX verified as a PUD per appraisal in file.
|
|
|
409053047
|
XXXXX
|
Property Value
|
XXX
|
XXX
|
XXX verified per full appraisal in file.
|
|
|
409045068
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
Monthly breakdown: XXX Income/ XXX P&I + XXX Insurance + XXX Tax.
|
|
|
409045073
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
Monthly breakdown: XXX Income/ XXX P&I + XXX Insurance + XXX Tax.
|
|
|
409045076
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX months
|
|
|
409045109
|
XXXXX
|
T&I
|
XXX
|
XXX
|
Utilizing most recent hazard insurance premium
|
|
|
409045074
|
XXXXX
|
LTV
|
XXX
|
XXX
|
XXX Loan Amount / XXX adjust PP
|
|
|
409045089
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX months
|
|
|
409045089
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
Monthly breakdown: XXX Income/ XXX P&I + XXX Insurance + XXX Tax + XXX Flood Insurance
|
|
|
409045126
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
Monthly breakdown: XXX Income/ XXX P&I + XXX Insurance + XXX Tax
|
|
|
409045129
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX months
|
|
|
409045140
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
Utilizing lease agreement in file
|
|
|
409045063
|
XXXXX
|
T&I
|
XXX
|
XXX
|
XXX Taxes + XXX Insurance + XXX Flood
|
|
|
409045063
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
Monthly breakdown: XXX Income/ XXX P&I + XXX Insurance + XXX Tax + XXX Flood
|
|
|
409045071
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX months
|
|
|
409045104
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
Monthly breakdown: XXX Income/ XXX P&I + XXX Insurance + XXX Tax
|
|
|
409045116
|
XXXXX
|
Property Type
|
XXX
|
XXX
|
Appraisal reflects XXX stories
|
|
|
409045134
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX months
|
|
|
409045144
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX months
|
|
|
409049111
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX months
|
|
|
409049133
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
Utilizing XXX% market rent. Vacant XXX transaction.
|
|
|
409049164
|
XXXXX
|
T&I
|
XXX
|
XXX
|
XXX HOI + XXX Tax = XXX T&I
|
|
|
409049164
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
XXX Market Rent/ XXX PITIA = XX/XX/XXXX DSCR
|
|
|
409049194
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX months
|
|
|
409049194
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
XXX Lease rent / XXX PITIA = XX/XX/XXXX DSCR
|
|
|
409049144
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX months
|
|
|
409049161
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX Months
|
|
|
409049177
|
XXXXX
|
Qualifying FICO
|
XXX
|
XXX
|
Utilizing lower FICO of both guarantors
|
|
|
409049190
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
XXX Market Rent/ XXX PITIA = XX/XX/XXXX DSCR
|
|
|
409049192
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
XXX Market Rent/ XXX PITIA = XX/XX/XXXX DSCR
|
|
|
409049230
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX Months
|
|
|
409049110
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX Months
|
|
|
409049206
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX Months
|
|
|
409049208
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX Months
|
|
|
409049208
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
Missing HOI
|
|
|
409049235
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
Monthly breakdown: XXX Income/ XXX P&I + XXX Insurance + XXX Tax
|
|
|
409049159
|
XXXXX
|
DSCR
|
XXX
|
XXX
|
XXX Market Rent/ XXX PITIA = XX/XX/XXXX DSCR
|
|
|
409049210
|
XXXXX
|
Amortization Term
|
XXX
|
XXX
|
IO XXX Months
|