Exhibit 99.10 - Schedule 1
| ALT ID | Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| 2136839 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Disclosure | XX: Appraisal Not Provided to Applicant | Resolved-Lender provided documentation of the appraisal being sent to the borrower. - Due Diligence Vendor-XX/XX/XXXX Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. We had it in disclosure tracking, we can use either as the econsent was giving on 1.15 and both were sent after the consent provided and well before 3 days of closing. - Buyer-XX/XX/XXXX Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided documentation of the appraisal being sent to the borrower. - Due Diligence Vendor-XX/XX/XXXX Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.pdf Appraisal delivery to borrower.pdf |
CA | Second Home | Purchase | NA | XXXX | N/A | N/A | ||||
| 2137558 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the Note and HUD Settlement statement to verify the subordinate lien. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please be more specific as to what is needed, please see attached - Buyer-XX/XX/XXXX Counter-The 1008 indicates a subordinate lien, XXXXX statement or closing disclosure is needed to verify this lien. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Missing documentation of the Subordinate Lien listed on the 1008, - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided the Note and HUD Settlement statement to verify the subordinate lien. - Due Diligence Vendor-XX/XX/XXXX |
1008.pdf HUD.pdf Note.pdf |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | ||||
| 2137563 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan XXXXX be graded a B. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements In accordance with lender guidelines (Section 3.4.2), DSCR loans for borrowers residing rent-free require a management review and exception. Currently, the audit team is unable to locate the documented approval for this exception in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan XXXXX be graded a B. - Due Diligence Vendor-XX/XX/XXXX |
Exception.pdf | FICO 744, 84>660 min Subject Mortgage 0x30x12 vs 1x30x12 LTV 67.72%, 7.28 < 75% max LTV |
GA | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | |||
| 2165600 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | XX: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Escalated it was delivered on XX/XX as part of the disclosures please look at the PDF. - Seller-XX/XX/XXXX Counter-The appraisal signature date is dated XX/XX/XXXX, however the appraisal was delivered on XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. HPML: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Escalated it was delivered on XX/XX as part of the disclosures please look at the PDF. - Seller-XX/XX/XXXX |
Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.pdf | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| 2165600 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | XX: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Acknowledged- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Waive - Buyer-XX/XX/XXXX Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-XX/XX/XXXX |
FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| 2165600 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Lender provided the appraisal invoice - Due Diligence Vendor-XX/XX/XXXX Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Appraisal Transfer Does Not Meet Guideline Requirements. Appraisal transfer documentation is missing the appraisal invoice. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided the appraisal invoice - Due Diligence Vendor-XX/XX/XXXX Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
invoice.pdf | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| 2167198 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved-Lender provided the Change of Circumstance form adding the fee. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($X,XXX.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Entity Review Fee on CD dated XX/XX/XXXX is $X,XXX.XX. LE dated XX/XX/XXXX does not lists fee. This fee is in a 0% tolerance section. Lender tolerance cure of $X,XXX.XX is required. Section J reflects $X,XXX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the Entity Review Fee. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided the Change of Circumstance form adding the fee. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.pdf | CA | Second Home | Purchase | NA | XXXX | N/A | N/A | |||
| 2167198 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved-Lender provided the Change of Circumstance form adding the fee. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($X,XXX.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Entity Review Fee on CD dated XX/XX/XXXX is $X,XXX.XX. LE dated XX/XX/XXXX does not lists fee. This fee is in a 0% tolerance section. Lender tolerance cure of $X,XXX.XX is required. Section J reflects $X,XXX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the Entity Review Fee. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided the Change of Circumstance form adding the fee. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.pdf | CA | Second Home | Purchase | NA | XXXX | N/A | N/A | ||||
| 2167195 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided the initial CD - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(XXXXX)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided the initial CD - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.pdf | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| 2167197 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Lender provided a PCCD. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-The disclosed finance charge ($X,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $X,XXX.XX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-The disclosed finance charge ($X,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $X,XXX.XX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) It appears the lender did not include the Document Storage and E Loan Document fees in the amount of $X,XXX.XX in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided a PCCD. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.pdf | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| 2173095 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding XXXXX be rated a B for S&P. All other agencies XXXXX be rated as A. - Due Diligence Vendor-XX/XX/XXXX Open-S&P value equals B, secondary product within tolerance. This finding XXXXX be rated a B for S&P. All other agencies XXXXX be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-S&P value equals B, secondary product within tolerance. This finding XXXXX be rated a B for S&P. All other agencies XXXXX be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
OH | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No | |||||
| 2177300 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | XX: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Lender acknowledged. this finding is non-material and XXXXX be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Lender acknowledged. - Due Diligence Vendor-XX/XX/XXXX Open-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. HPML: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Lender acknowledged. this finding is non-material and XXXXX be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Lender acknowledged. - Due Diligence Vendor-XX/XX/XXXX |
IL | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | |||||
| 2177300 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | XX: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Lender acknowledged. this finding is non-material and XXXXX be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Lender acknowledged. this finding is non-material and XXXXX be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
IL | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | |||||
| 2177304 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Hazard Insurance Policy XXXXXXXXX Provided Policy XXXXXX is missing in document - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.pdf | IL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| 2177310 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-XX/XX/XXXX Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Appraisal Transfer Does Not Meet Guideline Requirements. missing appraisal invoice - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-XX/XX/XXXX Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
invoice.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| 2180000 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Acknowledged-A lender exception is present in the loan file, dated prior to consummation, providing adequate compensating factors - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements In accordance with lender guidelines (Section 3.4.2), DSCR loans for borrowers residing rent-free require management review and exception. Currently, the audit team is unable to locate the documented approval for this exception in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-A lender exception is present in the loan file, dated prior to consummation, providing adequate compensating factors - Due Diligence Vendor-XX/XX/XXXX |
Exception.pdf | DSCR 1.33 > 1.0 Min. All Trades 0X 30. | CT | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| 2179999 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Property | Appraisal | Missing Secondary Valuation | Resolved-Thank you for providing the updated appraisal. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see revised appraisal, the appraiser made an error and added his comments - Buyer-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. While the secondary valuation was provided, the desk review reflects the appraised value was $X,XXX.XXK, however, the appraisal in file reflects a value of $X,XXX.XXK. Audit could not locate the appraisal for $X,XXX.XXK. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Thank you for providing the updated appraisal. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.pdf | NY | Investment | Purchase | NA | XXXX | N/A | N/A | ||||
| 2179991 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | XX: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Lender acknowledged. This finding is non-material and XXXXX be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please waive - Buyer-XX/XX/XXXX Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Lender acknowledged. This finding is non-material and XXXXX be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
FL | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | |||||
| 2179993 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding XXXXX be rated a B for S&P. All other agencies XXXXX be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding XXXXX be rated a B for S&P. All other agencies XXXXX be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding XXXXX be rated a B for S&P. All other agencies XXXXX be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding XXXXX be rated a B for S&P. All other agencies XXXXX be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
ID | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No | |||||
| 2180004 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final Loan Calculations | Resolved-The final loan calculations—including the Total of Payments, Finance Charge, APR, and Amount Financed were provided, testing passes, condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Open-The subject loan is subject to predatory lending testing. Provide the final loan calculations (TOP, Finance Charge, APR) for accurate testing, either on the final CD or as an addendum to the Settlement Statement. The loan is subject to high-cost testing for DSCR loans in Illinois, Minnesota, and Virginia. Please provide the final loan calculations (Total of Payments, Finance Charge, APR, and Amount Financed) via the final Closing Disclosure (CD), Truth in Lending (TIL) statement, or as a Settlement Statement addendum to ensure accurate testing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The final loan calculations—including the Total of Payments, Finance Charge, APR, and Amount Financed were provided, testing passes, condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.pdf | VA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| 2179994 | XXXXX | XXXX | XXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding XXXXX be rated a B for S&P. All other agencies XXXXX be rated as A. - Due Diligence Vendor-XX/XX/XXXX Open-S&P value equals B, secondary product within tolerance. This finding XXXXX be rated a B for S&P. All other agencies XXXXX be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-S&P value equals B, secondary product within tolerance. This finding XXXXX be rated a B for S&P. All other agencies XXXXX be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
UT | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |