Exhibit 99.1

Schedule 2 - Standard Findings Report

ALT Loan 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?

AHMCCNF1000100

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000100

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

State Reg

TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender

Resolved-Evidence Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and Lender provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached Acknowledgment of Fair Market Value disclosure - Buyer-XX/XX/XXXX

Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender. Page number 46 of the Acknowledgement of FMV. Lender Sign is missing. - XXXXX-XX/XX/XXXX

Resolved-Evidence Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and Lender provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Acknowledgment of Fair Market.pdf

XXXX_XXXXX_Acknowledgment of Fair MarketV2.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000100

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

TX 50(a)(6) Violation: Notice Concerning Extension of Credit disclosure is missing or incomplete

Resolved-Notice Concerning Extension of Credit disclosure provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. please see attached Notice Concerning Extension of credit - Buyer-XX/XX/XXXX

Open-TX 50(a)(6) Violation: Notice Concerning Extension of Credit disclosure is missing or incomplete. NOTICE CONCERNING EXTENSION OF CREDIT DISCLOSURE IS MISSING. - XXXXX-XX/XX/XXXX

Resolved-Notice Concerning Extension of Credit disclosure provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Notice Concerning Extension.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000005

XXXXX

XXXX

Closed

XX/XX/XXXX

Cured

2 - Non-Material

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Cured-Lender provided PCCD, Proof of delivery, and LOX for tolerance cure. Condition cured. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Cure Package for the increase in State Tax Stamps has been uploaded for your review. - Buyer-XX/XX/XXXX

Counter-State Tax Stamps on the Final CD dated XX/XX/XXXX is $X,XXX.XX. LE dated XX/XX/XXXX lists fee as $X,XXX.XX. This fee is in a 0% tolerance section. Section J reflects $X,XXX.XX tolerance cure that is insufficient. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - XXXXX-XX/XX/XXXX

Open-State Tax Stamps on the Final CD dated XX/XX/XXXX is $X,XXX.XX. LE dated XX/XX/XXXX lists fee as $X,XXX.XX. This fee is in a 0% tolerance section. Section J reflects $X,XXX.XX tolerance cure that is insufficient. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - XXXXX-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. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded COC dated XX/XX/XXXX for the increase in discount points from $X,XXX.XX to $X,XXX.XX on the CD dated XX/XX/XXXX. - Buyer-XX/XX/XXXX

Counter-The COC provided is for the increase in points on XX/XX/XXXX, however the points increased again on the Initial CD dated XX/XX/XXXX with no valid COC. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded COC regarding the increase in discount points. - 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 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. Valid COC is not available in the file - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Cured-Lender provided PCCD, Proof of delivery, and LOX for tolerance cure. Condition cured. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_COC.pdf

XXXX_XXXXX_Change In Circumstance.pdf

XXXX_XXXXX_Cure Package.pdf

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000005

XXXXX

XXXX

Closed

XX/XX/XXXX

Cured

2 - Non-Material

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Cured-Lender provided PCCD, Proof of delivery, and LOX for tolerance cure. Condition cured. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Cure Package for the increase in State Tax Stamps has been uploaded for your review. - Seller-XX/XX/XXXX

Counter-State Tax Stamps on the Final CD dated XX/XX/XXXX is $X,XXX.XX. LE dated XX/XX/XXXX lists fee as $X,XXX.XX. This fee is in a 0% tolerance section. Section J reflects $X,XXX.XX tolerance cure that is insufficient. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - XXXXX-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. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded COC dated XX/XX/XXXX for the increase in discount points from $X,XXX.XX to $X,XXX.XX on the CD dated XX/XX/XXXX. - Seller-XX/XX/XXXX

Counter-The COC provided is for the increase in points on XX/XX/XXXX, however the points increased again on the Initial CD dated XX/XX/XXXX with no valid COC. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded COC regarding the increase in discount points. - 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 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. Valid COC is not available in the file - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Cure Package for the increase in State Tax Stamps has been uploaded for your review. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded COC dated XX/XX/XXXX for the increase in discount points from $X,XXX.XX to $X,XXX.XX on the CD dated XX/XX/XXXX. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded COC regarding the increase in discount points. - Seller-XX/XX/XXXX

Cured-Lender provided PCCD, Proof of delivery, and LOX for tolerance cure. Condition cured. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_COC.pdf

XXXX_XXXXX_Change In Circumstance.pdf

XXXX_XXXXX_Cure Package.pdf

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000008

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided documentation that lender is closed on Saturday. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, XXXXX is closed on Saturdays and Sunday, Please see attached. - Buyer-XX/XX/XXXX

Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure Sent Date XX/XX/XXXX is more than 3 business days from the Application Date XX/XX/XXXX. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Lender provided documentation that lender is closed on Saturday. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_XXXXX LOE.pdf

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

N/A

AHMCCNF1000008

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Lender provided documentation that lender is closed on Saturday. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, XXXXX is closed on Saturdays and Sunday, Please see attached. - Seller-XX/XX/XXXX

Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, XXXXX is closed on Saturdays and Sunday, Please see attached. - Seller-XX/XX/XXXX

Resolved-Lender provided documentation that lender is closed on Saturday. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_XXXXX LOE.pdf

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

N/A

AHMCCNF1000008

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Resolved-Lender provided documentation that lender is closed on Saturday. - XXXXX-XX/XX/XXXX

Resolved-ECOA Compliant: Evidence provided Appraisal Disclosure provided timely. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, XXXXX is closed on Saturdays and Sunday, Please see attached. - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. The Right to Receive a copy of Written Appraisal Disclosure Sent Date XX/XX/XXXX is more than 3 business days from the Application Date XX/XX/XXXX. - XXXXX-XX/XX/XXXX

Resolved-Lender provided documentation that lender is closed on Saturday. - XXXXX-XX/XX/XXXX

Resolved-ECOA Compliant: Evidence provided Appraisal Disclosure provided timely. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_XXXXX LOE.pdf

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

N/A

AHMCCNF1000008

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing

Resolved-Acknowledgment of Fair Market Value disclosure provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. The signed Fair Market Value disclosure has been uploaded for your review. - Seller-XX/XX/XXXX

Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. The signed Fair Market Value disclosure has been uploaded for your review. - Seller-XX/XX/XXXX

Resolved-Acknowledgment of Fair Market Value disclosure provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Acknowledgement.pdf

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

N/A

AHMCCNF1000009

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. The Collateral Underwriter Risk Score is 4.5 and LCA do not provide Rep & Warrant Relief - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000010

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Right of Rescission is Missing

Resolved-Lender provided documentation showing that a Right of Recission was not required due to the property is a new Construction loan. condition cleared. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX:(New Construction Loan). There is no notice of right to cancel required on a new construction loan. Please see uploaded Appraisal and 1008 indicating Construction loan.
per 1026.23 (f)(1), XXXXX Transactions are exempt from rescission. 1026.2(24) defines residential mortgage transaction as, "a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer's principal dwelling to finance the acquisition or initial construction of that dwelling." The transaction is the refinance of a loan used to construct the dwelling; therefore, rescission does not apply to this loan. - Buyer-XX/XX/XXXX

Open-Right to cancel document is missing in file. - XXXXX-XX/XX/XXXX

Resolved-Lender provided documentation showing that a Right of Recission was not required due to the property is a new Construction loan. condition cleared. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_ 1008.pdf

XXXX_XXXXX_Appraisal.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000015

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000015

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-AVM appears to only value land and not the house that was built in XXXX. Confirming with vendor. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000016

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000017

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Insurance

Other Property Insurance Policy Effective Date is after the Note Date

Resolved-Final Settlement Statement indicates disbursement date XX/XX/XXXX, hence Other Insurance Effective Date of XX/XX/XXXX is acceptable. Condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded the Final Settlement Statement confirming the disbursement date is XX/XX/XXXX. - Buyer-XX/XX/XXXX

Open-Other Property Insurance Policy XXXX Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Provided CA XXXXX Policy XXXX Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX in file. - XXXXX-XX/XX/XXXX

Resolved-Final Settlement Statement indicates disbursement date XX/XX/XXXX, hence Other Insurance Effective Date of XX/XX/XXXX is acceptable. Condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_HOI Disbursement date.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000017

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Disbursement Date

Resolved-Final Settlement Statement indicates disbursement date XX/XX/XXXX, hence Hazard Insurance Effective Date of XX/XX/XXXX is acceptable. Condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded the Final Settlement Statement confirming the disbursement date is XX/XX/XXXX. - Buyer-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX Provided Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX in file. - XXXXX-XX/XX/XXXX

Resolved-Final Settlement Statement indicates disbursement date XX/XX/XXXX, hence Hazard Insurance Effective Date of XX/XX/XXXX is acceptable. Condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_HOI Disbursement date.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000031

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Updated rental loss for the retained REO, Audited DTI of 31.69% is less than or equal to AUS DTI of 34.74% - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Conventional, owner-occupied purchase closed on XX/XX/XXXX. DU submission #5 reflects 31.74% DTI. The borrower’s prior home was retained. DU reflects $X,XXX.XX rent loss on the retained prior home. The mortgage statement dated XX/XX/XXXX for the prior home reflects principal balance of $X,XXX.XX. The monthly P/I is $X,XXX.XX which has less than 6 months remaining left to pay. The taxes and insurance of $X,XXX.XX are escrowed and reflected in AUS as rent loss on the retained property. Uploaded - Buyer-XX/XX/XXXX

Open-Audited DTI of 36.84% exceeds AUS DTI of 34.74% The DTI variance due to Incomes and liabilities calculation from the final application provided is supported. However, AUS reflects the different income and REO loss. - XXXXX-XX/XX/XXXX

Resolved-Updated rental loss for the retained REO, Audited DTI of 31.69% is less than or equal to AUS DTI of 34.74% - XXXXX-XX/XX/XXXX

XXXX_XXXXX_prior home.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000040

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Received B1 form 8821 along with borrower's consent in favor of the lender. Condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Alternate IRS form 8821 and consent form uploaded - Buyer-XX/XX/XXXX

Open-Borrower 1 Executed 4506-T Missing 4506 C Missing - XXXXX-XX/XX/XXXX

Resolved-Received B1 form 8821 along with borrower's consent in favor of the lender. Condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_IRS 8821.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000043

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. The Collateral Underwriter Risk Score is 3.5 and LCA do not provide Rep & Warrant Relief - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000049

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Borrower 1 Executed 4506-T Provided - XXXXX-XX/XX/XXXX

Resolved-Received form 8821 along with borrower's consent in favor of the lender, condition resolved.
- XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. IRS form 8821 and Consent uploaded - Buyer-XX/XX/XXXX

Open-Borrower 1 Executed 4506-T Missing - XXXXX-XX/XX/XXXX

Resolved-Borrower 1 Executed 4506-T Provided - XXXXX-XX/XX/XXXX

Resolved-Received form 8821 along with borrower's consent in favor of the lender, condition resolved.
- XXXXX-XX/XX/XXXX

XXXX_XXXXX_IRS 8821 and consent.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000051

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. This finding is deemed non-material and will be rated B for all agencies - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. This finding is deemed non-material and will be rated B for all agencies - XXXXX-XX/XX/XXXX

Acknowledged-Value grade equals B, loan approved with a PIW. This finding is deemed non-material and will be rated B for all agencies - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000051

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000055

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-This finding is deemed non-material and will be rated B for all agencies. - XXXXX-XX/XX/XXXX

Acknowledged- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Uploaded Privacy Notice has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-Privacy Notice Required - Missing or Incomplete. - XXXXX-XX/XX/XXXX

Acknowledged-This finding is deemed non-material and will be rated B for all agencies. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Privacy Disclosure.pdf

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000055

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Received form 8821 along with borrower's consent favoring the lender, condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded IRS form 8821 with XXXXX Consent Form 1177. - Buyer-XX/XX/XXXX

Open-Borrower 1 Executed 4506-T Missing Borrower 1 Executed 4506-C document is Missing - XXXXX-XX/XX/XXXX

Resolved-Received form 8821 along with borrower's consent favoring the lender, condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_IRS 8821.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000070

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000071

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. LOAN APPROVED WITH APPRAISAL WAIVER, PIW GRADING APPLIES - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000074

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Employment validation/verification standards do not meet requirements

Resolved-ATR Risk - Employment validation/verification standards meet requirements - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. The YTD paystub for both borrowers was provided to meet the requirement for the 10-day PCV. Uploaded paystubs and FHLMC 5302.2. - Buyer-XX/XX/XXXX

Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 1and 2 3rd Party VOE Prior to Close is missing - XXXXX-XX/XX/XXXX

Resolved-ATR Risk - Employment validation/verification standards meet requirements - XXXXX-XX/XX/XXXX

XXXX_XXXXX_VOE.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000087

XXXXX

XXXX

Closed

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 will be rated a B for S&P. All other agencies will be rated as A. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000093

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000101

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Acknowledged-RESPA: Toolkit Missing or Incomplete. Finding will be graded a B for all agencies - XXXXX-XX/XX/XXXX

Acknowledged-RESPA: Toolkit Missing or Incomplete. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000101

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000101

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Open-Value grade equals B, loan approved with a PIW. S&P RA Only - Value grade equals B, secondary product within tolerance.
- XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000105

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000105

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Received B1 form 8821 along with borrower's consent in favor of the lender. Condition resolved.
- XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. 8821 - Buyer-XX/XX/XXXX

Open-Borrower 1 Executed 4506-T Missing - XXXXX-XX/XX/XXXX

Resolved-Received B1 form 8821 along with borrower's consent in favor of the lender. Condition resolved.
- XXXXX-XX/XX/XXXX

XXXX_XXXXX_8821.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000105

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Executed 4506-T Missing

Resolved-Received B2 form 8821 along with borrower's consent in favor of the lender. Condition resolved.
- XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. 8821 - Buyer-XX/XX/XXXX

Open-Borrower 2 Executed 4506-T Missing - XXXXX-XX/XX/XXXX

Resolved-Received B2 form 8821 along with borrower's consent in favor of the lender. Condition resolved.
- XXXXX-XX/XX/XXXX

XXXX_XXXXX_8821.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000105

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000109

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. Loan approved with appraisal waiver, PIW grading #702 - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF1000110

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-AVM has provided and updated LMac supporting the origination appraisal value. - XXXXX-XX/XX/XXXX

Acknowledged- - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. - XXXXX-XX/XX/XXXX

Resolved-AVM has provided and updated LMac supporting the origination appraisal value. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000110

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF1000113

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000113

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-AVM does not include house (land only) built in XXXX. Confirming with vendor. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000113

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-Lender provided explanation of how the property tax was calculated - XXXXX-XX/XX/XXXX

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see uploaded response. Thank You. - Buyer-XX/XX/XXXX

Counter-Please provide evidence of how 1% of appraisal value was determined (local tax rate etc ) to identify if tax amount considered relates to it. Condition remains. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded UW summary notes from 1008. The borrowers have been qualified using 1% of the appraised value for their property taxes as the taxes on the title commitment are not fully assessed yet. - Buyer-XX/XX/XXXX

Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - XXXXX-XX/XX/XXXX

Resolved-Lender provided explanation of how the property tax was calculated - XXXXX-XX/XX/XXXX

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Property taxes Underwriting Transmittal.pdf

XXXX_XXXXX_Property Taxes.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000113

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Lender provided explanation of how the property tax was calculated - XXXXX-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see uploaded response. Thank You. - Buyer-XX/XX/XXXX

Counter-Please provide evidence of how 1% of appraisal value was determined (local tax rate etc ) to identify if tax amount considered relates to it. Condition remains. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded UW summary notes from 1008. The borrowers have been qualified using 1% of the appraised value for their property taxes as the taxes on the title commitment are not fully assessed yet. - Seller-XX/XX/XXXX

Open-Missing Evidence of Property Tax - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded UW summary notes from 1008. The borrowers have been qualified using 1% of the appraised value for their property taxes as the taxes on the title commitment are not fully assessed yet. - Seller-XX/XX/XXXX

Resolved-Lender provided explanation of how the property tax was calculated - XXXXX-XX/XX/XXXX

Resolved-Evidence of Property Tax is present - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Property taxes Underwriting Transmittal.pdf

XXXX_XXXXX_Property Taxes.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000127

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Appraisal POD has been uploaded for your review. - Seller-XX/XX/XXXX

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Appraisal POD has been uploaded for your review. - Seller-XX/XX/XXXX

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Appraisal POD.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000127

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Lender provided the initial CD - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Initial CD dated XX/XX/XXXX has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Lender provided the initial CD - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Closing Disclosure.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000127

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Received primary appraisal for subject property, condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded appraisal. - Buyer-XX/XX/XXXX

Open-Appraisal or other primary valuation product is missing - XXXXX-XX/XX/XXXX

Resolved-Received primary appraisal for subject property, condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Appraisal.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000127

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

The Note is Missing

Resolved-Received executed copy of Note, condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded Note. - Seller-XX/XX/XXXX

Open-The Note is Missing - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded Note. - Seller-XX/XX/XXXX

Resolved-Received executed copy of Note, condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Note.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000132

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Income/Employment

Income 2 Months Income Verified is Missing

Resolved-Received email conversation stating Pension income calculated asset depletion guideline. Relevant bank statements available in file. Condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Pension income calculated using asset depletion guideline. Uploaded - Buyer-XX/XX/XXXX

Open-Income 2 Months Income Verified is Missing B1 pension document missing - XXXXX-XX/XX/XXXX

Resolved-Received email conversation stating Pension income calculated asset depletion guideline. Relevant bank statements available in file. Condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_pension income.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000132

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Appraisal POD has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Apprasial proof of delivery.pdf

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000132

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Lender provided COC for change is discount points. Condition cleared - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The COC dated XX/XX/XXXX that indicates the increase in Discount Points has been uploaded for your review. Thank you - Buyer-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Discount Point Fee increased in Initial CD Issued on XX/XX/XXXX. Valid COC is not in file for XX/XX/XXXX - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Lender provided COC for change is discount points. Condition cleared - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_COC.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000132

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Lender provided COC for change is discount points. Condition cleared - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The COC dated XX/XX/XXXX that indicates the increase in Discount Points has been uploaded for your review. Thank you - Seller-XX/XX/XXXX

Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Discount Point Fee increased in Initial CD Issued on XX/XX/XXXX. Valid COC is not in file for XX/XX/XXXX - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The COC dated XX/XX/XXXX that indicates the increase in Discount Points has been uploaded for your review. Thank you - Seller-XX/XX/XXXX

Resolved-Lender provided COC for change is discount points. Condition cleared - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_COC.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000132

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000138

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF1000138

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

Investor Post-Close

AHMCCNF1000140

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved- - XXXXX-XX/XX/XXXX

Cured-Received updated / corrected 1008 approval and AUS dated post consummation. Condition cured. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. The property does not have a HOA. Updated documents removing the HOA fee uploaded - Buyer-XX/XX/XXXX

Open-Final Application Reflects Second Home (REO 2) -Monthly Insurance, Taxes, Association Dues is $X,XXX.XX. However, Mortgage statement reflects Tax & Insurance was escrowed and also LOX reflects no HOA amount for this property. Hence Unable to verify the amount of $X,XXX.XX. Required documentation is missing to verify that amount. - XXXXX-XX/XX/XXXX

Cured-Received updated / corrected 1008 approval and AUS dated post consummation. Condition cured. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_updated docs removing HOA fee.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000140

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. The property does not have a HOA. Updated documents removing the HOA fee uploaded - Buyer-XX/XX/XXXX

Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements due missing verification of 50.00 fee for second home listed in 3b of the final application - XXXXX-XX/XX/XXXX

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - XXXXX-XX/XX/XXXX

XXXX_XXXXX_updated docs removing HOA fee.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000140

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Incomplete Mortgage/Deed of Trust

Resolved-Received all pages of Deed of Trust, condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Complete copy (19 pages) of the DOT uploaded - Buyer-XX/XX/XXXX

Open-The Deed of Trust is Incomplete Page 2 is missing from Deed of Trust in the loan file. - XXXXX-XX/XX/XXXX

Resolved-Received all pages of Deed of Trust, condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_DOT.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000151

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000168

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Acknowledged-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF1000168

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000168

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Resolved-Lender provided the privacy policy. condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Privacy Notice provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Privacy Notice has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing - XXXXX-XX/XX/XXXX

Resolved-Lender provided the privacy policy. condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Privacy Notice provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_privacy policy.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000168

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate provided, condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Flood Cert uploaded - Buyer-XX/XX/XXXX

Open-Missing Flood Certificate Flood Certificate is missing. - XXXXX-XX/XX/XXXX

Resolved-Flood Certificate provided, condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_flood cert.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000168

XXXXX

XXXX

Seller

XX/XX/XXXX

Open

3 - Material

Property

Value

Missing Post Close Valuation - 2

Open- - XXXXX-XX/XX/XXXX
Open-Missing secondary valuation. Loan was dropped from XXXX-XXX to be moved to XXXX-XXX. Awaiting confirmation is 2055 to be ordered in order to move loan to future deal. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000176

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Appraisal

Missing Secondary Valuation

Resolved-AVM Received - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Secondary Valuation - XXXXX-XX/XX/XXXX

Resolved-AVM Received - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000176

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000180

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value was provided. A BPO was ordered XX/XX/XXXX, scheduled to be delivered XX/XX/XXXX. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000180

XXXXX

XXXX

Seller

XX/XX/XXXX

Open

3 - Material

Property

Value

Missing Post Close Valuation - 2

Open-BPO returned a value greater than-10% of the original appraised value, a 2055 will need to be ordered to clear the finding. - XXXXX-XX/XX/XXXX

Acknowledged-A valid secondary valuation supporting the origination appraisal value is not present - XXXXX-XX/XX/XXXX

Acknowledged-A valid secondary valuation supporting the origination appraisal value is not present - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. - XXXXX-XX/XX/XXXX

Acknowledged-A valid secondary valuation supporting the origination appraisal value is not present - XXXXX-XX/XX/XXXX

Acknowledged-A valid secondary valuation supporting the origination appraisal value is not present - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000185

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000185

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Lender provided an itemization for the lender credit. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find attached the Itemization of Settlement Charges for the final CD which itemizes the loan fees and costs. This indicates the fees/charges paid by the borrower and those paid by the lender credit. For your ease of review, I have highlighted the prepaid finance charges paid by the borrower and included in the finance charge calculation. Only the prepaid finance charge fees actually paid by the borrower are included in the finance charge calculations. The finance charges are accurately disclosed on the final CD dated XX/XX/XXXX. - 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) Finance charge fees recalculated from re-automisation. all the finance charge fees are paid by the borrower hence Mavent getting fail. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Lender provided an itemization for the lender credit. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX-_Wade_ Itemization of Settlement Charges.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000184

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000186

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Lender provided the final CD. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-TRID: Final Closing Disclosure Provided - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello Located and attached Legible Final CD. Finding waterfalls with the other findings. - Seller-XX/XX/XXXX

Open-TRID: Missing Final Closing Disclosure Final CD missing, only signed last page is available all other pages are illegible. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello Located and attached Legible Final CD. Finding waterfalls with the other findings. - Seller-XX/XX/XXXX

Resolved-Lender provided the final CD. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-TRID: Final Closing Disclosure Provided - XXXXX-XX/XX/XXXX

XXXX_XXXXX_FINALCD.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000186

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Closing

Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty

Resolved-Lender provided the final CD. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-The Note and CD Prepayment Penalty Issue Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello Located and attached Legible Final CD. Finding waterfalls with the other findings. - Buyer-XX/XX/XXXX

Open-Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty Final CD missing, only signed last page is available all other pages are illegible. - XXXXX-XX/XX/XXXX

Resolved-Lender provided the final CD. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-The Note and CD Prepayment Penalty Issue Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_FINALCD.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000186

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Corrected Closing Disclosure Prior and (Last CD Not In Person)(APR)

Resolved-Lender provided the final CD. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello Located and attached Legible Final CD. Finding waterfalls with the other findings. - Seller-XX/XX/XXXX

Open-The Last Closing Disclosure was provided on (XX/XX/XXXX) via (Other), which is not at least 6 business days before the consummation date of (XX/XX/XXXX). The (0.0) APR disclosed on the Prior Closing Disclosure provided on (XX/XX/XXXX) is inaccurate when compared to the Last Disclosed Closing Disclosure APR (6.517). Under Regulation Z, if the APR is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XX/XX/XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) Final CD is missing - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello Located and attached Legible Final CD. Finding waterfalls with the other findings. - Seller-XX/XX/XXXX

Resolved-Lender provided the final CD. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_FINALCD.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000186

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Corrected Closing Disclosure Prior Disclosed APR and Last CD Not In Person

Resolved-Lender provided the final CD. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello Located and attached Legible Final CD. Finding waterfalls with the other findings. - Seller-XX/XX/XXXX

Open-The Last Closing Disclosure was provided on (XX/XX/XXXX) via (Other), which is not at least 6 business days before the consummation date of (XX/XX/XXXX). The (0.0) APR disclosed on the Prior Closing Disclosure provided on (XX/XX/XXXX) is inaccurate when compared to the actual APR of (6.514). Under Regulation Z, if the APR is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XX/XX/XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) Final CD is missing - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello Located and attached Legible Final CD. Finding waterfalls with the other findings. - Seller-XX/XX/XXXX

Resolved-Lender provided the final CD. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_FINALCD.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000186

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Borrower 1 Executed 4506-T Provided - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. B1 4506C uploaded - Seller-XX/XX/XXXX

Open-Borrower 1 Executed 4506-T Missing Executed 4506 is missing - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. B1 4506C uploaded - Seller-XX/XX/XXXX

Resolved-Borrower 1 Executed 4506-T Provided - XXXXX-XX/XX/XXXX

XXXX_XXXXX_B1 4506C.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000186

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Executed 4506-T Missing

Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. B2 4506C uploaded - Seller-XX/XX/XXXX

Open-Borrower 2 Executed 4506-T Missing Executed 4506 is missing - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. B2 4506C uploaded - Seller-XX/XX/XXXX

Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - XXXXX-XX/XX/XXXX

XXXX_XXXXX_B2 4506C.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000186

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-Lender provided the final signed 1003. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-The Final 1003 is Present - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Final 1003 uploaded - Buyer-XX/XX/XXXX

Open-The Final 1003 is Missing Final 1003 missing. - XXXXX-XX/XX/XXXX

Resolved-Lender provided the final signed 1003. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-The Final 1003 is Present - XXXXX-XX/XX/XXXX

XXXX_XXXXX_final 1003.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000197

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000197

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000200

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000200

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000201

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, Please see attached Appraisal POD. - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal is present; but no evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_AppraisalPOD.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000206

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely

Acknowledged-ECOA Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely. Finding will be graded a B for all agencies - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

Investor Post-Close

AHMCCNF1000206

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. CU score is more than 2.5 hence secondary valuation is required post close review. - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF1000206

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing

Resolved-Acknowledgment of Fair Market Value disclosure provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The TX 50(a)(6) Violation: Acknowledgment of Fair Market Value has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. - XXXXX-XX/XX/XXXX

Resolved-Acknowledgment of Fair Market Value disclosure provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Fair Market Value.pdf

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF1000207

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Acknowledged- - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Acknowledged-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000207

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000207

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided the final signed CD - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached Final Disclosure. - Buyer-XX/XX/XXXX

Open-Final Closing Disclosure is missing or incomplete Provide the legible copy of Final closing disclosure. - XXXXX-XX/XX/XXXX

Resolved-Lender provided the final signed CD - XXXXX-XX/XX/XXXX

XXXX_XXXXX_FinalCD.pdf

XXXX_XXXXX_FinalCD.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000207

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Received form 8821 along with borrower's consent in favor of the lender, condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. IRS 8821 and borrower consent form uploaded - Buyer-XX/XX/XXXX

Open-Borrower 1 Executed 4506-T Missing Signed 4506-C missing. - XXXXX-XX/XX/XXXX

Resolved-Received form 8821 along with borrower's consent in favor of the lender, condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_IRS 8821.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000209

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000215

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Lender provided documentation showing fees were in the incorrect category. Corrected fees. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Admin Processing Fee and Document Preparation Fee are both subject to 10% tolerance. Additionally, the Document Preparation Fee is paid by the seller. Therefore, a Change of Circumstance (COC) should not be required. - Buyer-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Processing Fee, Document Preparation Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Processing Fee, Document Preparation Fee increased in Initial CD Issued on XX/XX/XXXX. Valid COC is not in file for XX/XX/XXXX - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Lender provided documentation showing fees were in the incorrect category. Corrected fees. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Lender LOE.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000215

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Lender provided documentation showing fees were in the incorrect category. Corrected fees. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Admin Processing Fee and Document Preparation Fee are both subject to 10% tolerance. Additionally, the Document Preparation Fee is paid by the seller. Therefore, a Change of Circumstance (COC) should not be required. - Seller-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Processing Fee, Document Preparation Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Processing Fee, Document Preparation Fee increased in Initial CD Issued on XX/XX/XXXX. Valid COC is not in file for XX/XX/XXXX - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Admin Processing Fee and Document Preparation Fee are both subject to 10% tolerance. Additionally, the Document Preparation Fee is paid by the seller. Therefore, a Change of Circumstance (COC) should not be required. - Seller-XX/XX/XXXX

Resolved-Lender provided documentation showing fees were in the incorrect category. Corrected fees. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Lender LOE.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000215

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Asset Documentation

Resolved-Lender provided proof of receipt for gift funds which is sufficient to cover loan costs. Condition cleared. - XXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. Conventional purchase. Reserves are not required.
Cash to close per final CD is $X,XXX.XX. Gift received of $X,XXX.XX. Funds to close are sufficient and additional asset documentation would not be required.
- Buyer-XX/XX/XXXX
Open-Missing Asset Documentation. Missing Asset Documentation 1] XXXXX - Acc Num #XXX with balance $ $X,XXX.XX, 2] XXXXX - Acc Num # XXXX with balance $X,XXX.XX, 3] XXXXX - Acc Num # XXXX with balance $ $X,XXX.XX, 4] XXXXX N.A. - Acc Num - $$X,XXX.XX - XXXXX-XX/XX/XXXX

Resolved-Lender provided proof of receipt for gift funds which is sufficient to cover loan costs. Condition cleared. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Assets.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000218

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged-Provided LOX and Primary appraisal dated XX/XX/XXXX. This finding is deemed non-material and will be rated B for all agencies - XXXXX-XX/XX/XXXX

Acknowledged- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello, Please see attached LOX and Primary appraisal dated XX/XX/XXXX - Buyer-XX/XX/XXXX

Counter-Documentation for appraisal delivery is prior to the appraisal signature date of XX/XX/XXXX. Please provided documentation that the appraisal was provided to the borrower after the appraisal signature date. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello, Please see attached Appraisal POD. - 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. - XXXXX-XX/XX/XXXX

Acknowledged-Provided LOX and Primary appraisal dated XX/XX/XXXX. This finding is deemed non-material and will be rated B for all agencies - XXXXX-XX/XX/XXXX

XXXX_XXXXX_appraisal POD.pdf

XXXX_XXXXX_LOX.pdf

XXXX_XXXXX_Appraisal XX/XX/XXXX.pdf

ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX.

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000231

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000243

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Documents received verifying tradeline # 3 on primary borrowers 1003 application, condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing documentation of debt for Borrower 1 of 1003 Section 2C 3rd Liabilities Missing in Credit report. - XXXXX-XX/XX/XXXX

Resolved-Documents received verifying tradeline # 3 on primary borrowers 1003 application, condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Liability.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000243

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-Documents received verifying tradeline # 3 on primary borrowers 1003 application, condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - XXXXX-XX/XX/XXXX

Resolved-Documents received verifying tradeline # 3 on primary borrowers 1003 application, condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Liability.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000246

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Borrower 1 Executed 4506-T Provided - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded IRS form 8821 with XXXXX Consent form 1177. - Buyer-XX/XX/XXXX

Open-Borrower 1 Executed 4506-T Missing - XXXXX-XX/XX/XXXX

Resolved-Borrower 1 Executed 4506-T Provided - XXXXX-XX/XX/XXXX

XXXX_XXXXX_IRS 8821.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000251

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary valuation supporting the origination appraisal value is not present. - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000251

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000254

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. The Collateral Underwriter Risk Score not provided and LCA do not provide Rep & Warrant Relief - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000259

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Finding is non-material, and loan will be graded a B. - XXXXX-XX/XX/XXXX

Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Is Missing - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000261

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete

Acknowledged-Finding is non-material, and loan will be graded a B. - XXXXX-XX/XX/XXXX

Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. FACTA document is missing - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000262

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided the VOE. Condition cleared - XXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. The VVOE requested and completed date XX/XX/XXXX with XXX reflect 6 business days (not including XX/XX/XXXX which is a federal holiday). Note date XX/XX/XXXX and VVOE XX/XX/XXXX represents 9 calendar days. Please advise as to why this is not acceptable. - Seller-XX/XX/XXXX
Counter-VOE and paystub provided for XXXXX are not within 10 business days from Note date, kindly provide VVOE dated within 10 business days prior to Note date. Condition remains. - XXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. Note date XX/XX/XXXX. VVOE XXXXX XXXXX/XXX dated XX/XX/XXXX updated - Seller-XX/XX/XXXX
Open-The verification of employment is missing for XXXXX, DBA XXXXX - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. The VVOE requested and completed date XX/XX/XXXX with XXX reflect 6 business days (not including XX/XX/XXXX which is a federal holiday). Note date XX/XX/XXXX and VVOE XX/XX/XXXX represents 9 calendar days. Please advise as to why this is not acceptable. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Note date XX/XX/XXXX. VVOE XXXXX XXXXX/XXX dated XX/XX/XXXX updated - Seller-XX/XX/XXXX

Resolved-Lender provided the VOE. Condition cleared - XXXXX-XX/XX/XXXX

XXXX_XXXXX_ VVOE XXX.pdf

XXXX_XXXXX_ VVOE XXX.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000262

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Considered conservative income as mentioned in the lender's response, updated rental loss accordingly. Audited DTI within AUS limits, condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. DU submission #14 reflects 49.77% DTI. Agree with the $X,XXX.XX vs $X,XXX.XX in self-employment income. Using the lower income will increase the DTI to 54.32%.

Review of the income and liabilities, B1 XXX income of $X,XXX.XX reflected in in AUS is conservative (based on 12 mo avg of XXXX w2. If a 17.39-month average was used (ytd + past year), resulted in higher income of $X,XXX.XX.

The co-borrower income in AUS of $X,XXX.XX is also conservative. The most recent paystub dated XX/XX/XXXX reflects $X,XXX.XX / 5.61 months = $X,XXX.XX.

The total combined income $X,XXX.XX ($X,XXX.XX + $X,XXX.XX + $X,XXX.XX)
AUS reflects $X,XXX.XX in rent loss and $X,XXX.XX in credit card debts ($X,XXX.XX credit debts + $X,XXX.XX IRS payment). The XXXX schedule E and mortgage statements in file show the total rent loss is $X,XXX.XX

The total monthly payment is $X,XXX.XX/$X,XXX.XX income = 49.87% DTI. Uploaded - Seller-XX/XX/XXXX

Open-Audited DTI of 54.32% exceeds AUS DTI of 50% The Audit DTI is lower only because the $X,XXX.XX IRS payment could not be entered into the system and was excluded from the calculation. This exclusion explains the lower DTI and total monthly obligation amount. Additionally, per the documentation, the qualified income is $X,XXX.XX, but the lender utilized $X,XXX.XX for employment at XXXXX - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. DU submission #14 reflects 49.77% DTI. Agree with the $X,XXX.XX vs $X,XXX.XX in self-employment income. Using the lower income will increase the DTI to 54.32%.

Review of the income and liabilities, B1 XXX income of $X,XXX.XX reflected in in AUS is conservative (based on 12 mo avg of XXXX w2. If a 17.39-month average was used (ytd + past year), resulted in higher income of $X,XXX.XX.

The co-borrower income in AUS of $X,XXX.XX is also conservative. The most recent paystub dated XX/XX/XXXX reflects $X,XXX.XX / 5.61 months = $X,XXX.XX.

The total combined income $X,XXX.XX ($X,XXX.XX + $X,XXX.XX + $X,XXX.XX)
AUS reflects $X,XXX.XX in rent loss and $X,XXX.XX in credit card debts ($X,XXX.XX credit debts + $X,XXX.XX IRS payment). The XXXX schedule E and mortgage statements in file show the total rent loss is $X,XXX.XX

The total monthly payment is $X,XXX.XX/$X,XXX.XX income = 49.87% DTI. Uploaded - Seller-XX/XX/XXXX

Resolved-Considered conservative income as mentioned in the lender's response, updated rental loss accordingly. Audited DTI within AUS limits, condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_DTI.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000262

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall - Replacement Cost Provided

Resolved-Hazard Insurance Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. HOI coverage $X,XXX.XX ($X,XXX.XX+$X,XXX.XX ordinance or law coverage). Ordinance or Law coverage is a policy XXXX that pays for the extra costs of rebuilding, repairing, or demolishing a damaged structure so it meets current local building codes. Uploaded - Seller-XX/XX/XXXX

Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $X,XXX.XX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $X,XXX.XX - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. HOI coverage $X,XXX.XX ($X,XXX.XX+$X,XXX.XX ordinance or law coverage). Ordinance or Law coverage is a policy XXXX that pays for the extra costs of rebuilding, repairing, or demolishing a damaged structure so it meets current local building codes. Uploaded - Seller-XX/XX/XXXX

Resolved-Hazard Insurance Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - XXXXX-XX/XX/XXXX

XXXX_XXXXX_ addl law coverage.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000266

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary valuation supporting the origination appraisal value is not present. - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000266

XXXXX

XXXX

Closed

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 will be rated a B for S&P. All other agencies will be rated as A. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000268

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000268

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000268

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Executed 4506-T Missing

Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 2 Executed 4506-T Missing - XXXXX-XX/XX/XXXX

Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - XXXXX-XX/XX/XXXX

XXXX_XXXXX_4506.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000269

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Resolved-Lender provided receipt disclosure for the toolkit. - XXXXX-XX/XX/XXXX

Resolved-RESPA: Toolkit provided. - XXXXX-XX/XX/XXXX

Ready for Review-Hello please see attached home loan toolkit acknowledgement of receipt of disclosures - Buyer-XX/XX/XXXX

Open-RESPA: Toolkit Missing or Incomplete. Toolkit is missing - XXXXX-XX/XX/XXXX

Resolved-Lender provided receipt disclosure for the toolkit. - XXXXX-XX/XX/XXXX

Resolved-RESPA: Toolkit provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_ToolkitAcknowledgement of Receipt.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000284

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Received WVOE within 10 business days from Note. Condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded WVOE. - Buyer-XX/XX/XXXX

Open-Missing Income Document to Calculate Overtime and Wage for B1 - XXXXX-XX/XX/XXXX

Resolved-Received WVOE within 10 business days from Note. Condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Verification Of Employment.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000284

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Employment validation/verification standards do not meet requirements

Resolved-ATR Risk - Employment validation/verification standards meet requirements. Received WVOE within 10 business days from Note. Condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded 1008 with UW comments regarding income calculation. The WVOE is within 10 days of the note date. - Seller-XX/XX/XXXX

Open-ATR Risk - Employment validation/verification standards do not meet requirements - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded 1008 with UW comments regarding income calculation. The WVOE is within 10 days of the note date. - Seller-XX/XX/XXXX

Resolved-ATR Risk - Employment validation/verification standards meet requirements. Received WVOE within 10 business days from Note. Condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Income Calc.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000284

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Received WVOE within 10 business days from Note. Condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded WVOE dated XX/XX/XXXX (w/in 10 days of the note date). - Buyer-XX/XX/XXXX

Open-Borrower 1 3rd Party VOE Prior to Close Missing - XXXXX-XX/XX/XXXX

Resolved-Received WVOE within 10 business days from Note. Condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Verification Of Employment.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000284

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Lender provided the initial CD - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Initial CD dated XX/XX/XXXX has been uploaded for your review. - 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)(iii)) 0 - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Lender provided the initial CD - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_ICD.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000290

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000290

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000294

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Acknowledged-This finding is deemed non-material and will be rated B for all agencies - XXXXX-XX/XX/XXXX

Acknowledged- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached executed Right to copy of Appraisal (timing Waiver) - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - XXXXX-XX/XX/XXXX

Acknowledged-This finding is deemed non-material and will be rated B for all agencies - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Right tocopyofAppraisal.pdf

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000294

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Acknowledged- - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Acknowledged-Value grade equals B, loan approved with a PIW. Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000294

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000295

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000295

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF1000298

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Payoff Statement for prior loan

Resolved-Payoff Statement for prior loan provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded payoff stmt/beneficiary demand. - Buyer-XX/XX/XXXX

Open-Missing Payoff Statement for prior loan. Payoff statement missing - XXXXX-XX/XX/XXXX

Resolved-Payoff Statement for prior loan provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Payoff Stmt.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000301

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing or Incomplete - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000301

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000306

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Acknowledged-RESPA: Toolkit Missing or Incomplete. Transaction is purchase however home loan toolkit is missing file. Finding will be graded a B for all agencies - XXXXX-XX/XX/XXXX

Acknowledged-RESPA: Toolkit Missing or Incomplete. Transaction is purchase however home loan toolkit is missing file. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000310

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000310

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Mavent

License: Loan Originator

Resolved-Lender provided documentation verifying the license information. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, Disagree with finding. Please see attached screenshot from NMLS XXXX Access site Showing office location has a start date since XX/XX/XXXX. - Buyer-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open-A relationship between XXXXX XXXXXXX (NMLS ID: XXXX) and the company (Company NMLS ID: XXXX) does not exist in the NMLS XXXX Access as of XX/XX/XXXX. However, other relationship(s) were found in the NMLS XXXX Access for this individual and may be found in the NMLS XXXX section. - XXXXX-XX/XX/XXXX

Resolved-Lender provided documentation verifying the license information. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_NMLS.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000310

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: please see attached Appraisal proof of delivery - 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. - XXXXX-XX/XX/XXXX

Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_POD.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000335

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000336

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. The Collateral Underwriter Risk Score is 3.4 and LCA do not provide Rep & Warrant Relief - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000339

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Appraisal POD has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is deemed non-material and will be rated B for all agencies - XXXXX-XX/XX/XXXX

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_APPRAISAL POD.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000339

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing

Resolved-Acknowledgment of Fair Market Value disclosure provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Acknowledgment of Fair Market Value disclosure has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. - XXXXX-XX/XX/XXXX

Resolved-Acknowledgment of Fair Market Value disclosure provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Fair Market Value Disclosure.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000351

XXXXX

XXXX

Closed

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 will be rated a B for S&P. All other agencies will be rated as A. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

Investor Post-Close

AHMCCNF1000353

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Ready for Review-Document Uploaded. XX/XX/XXXX: The Appraisal POD has been uploaded for your review. - Seller-XX/XX/XXXX

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Appraisal POD.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000353

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Mavent

IA Fee Not Allowed- Flood Certification Fee (Fee ID: 102)

Resolved-Lender provided documentation that the fee is reasonable. Verified fees not paid to Lender or Affiliate. Condition cleared. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded Lender LOE regrading IA Fees; IA Code 535.8(4)(B)(3) - Seller-XX/XX/XXXX

Open-Section 535.8 of the Iowa Money and Interest Provisions does not allow Flood Certification Fee (Fee ID: 102) to be charged to the Borrower in IA. Invalid finding therefore finding is rescinded. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded Lender LOE regrading IA Fees; IA Code 535.8(4)(B)(3) - Seller-XX/XX/XXXX

Resolved-Lender provided documentation that the fee is reasonable. Verified fees not paid to Lender or Affiliate. Condition cleared. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_State Rule Lender LOE.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000353

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Mavent

IA Fee Not Allowed- Title Examination (Fee ID: 53)

Resolved-Lender provided documentation that the fee is reasonable. Verified fees not paid to Lender or Affiliate. Condition cleared. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded Lender LOE regrading IA Fees; IA Code 535.8(4)(B)(3). - Buyer-XX/XX/XXXX

Open-Title Examination (Fee ID: 53) is not allowed to be charged to the Borrower, Seller, Originator, Lender or Other and paid to the Lender, Originator, Affiliate or Provider in IA under the Iowa Money and Interest Provisions. Only fees specified under Iowa Code 535.8(a) and (b) may be charged in connection with a loan secured by a 1-2 unit primary or vacation dwelling. (Iowa Code 535.8(4)(b)(1)). Invalid finding therefore finding is rescinded. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Lender provided documentation that the fee is reasonable. Verified fees not paid to Lender or Affiliate. Condition cleared. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_State Rule Lender LOE.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000359

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000362

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000369

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Lender provided PDI reflecting no damage. Condition cleared. - XXXXX-XX/XX/XXXX

Open-Subject property is in recent disaster area and there is no post incident inspection - XXXXX-XX/XX/XXXX

Resolved-Lender provided PDI reflecting no damage. Condition cleared. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000369

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000369

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. Secondary Valuation is missing. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

Investor Post-Close

AHMCCNF1000379

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001257)

Resolved-Lender provided a COC for the increase in recording fees. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-XX/XX/XXXX: The COC dated XX/XX/XXXX indicating the increase in recording fee has been uploaded for your review. - Seller-XX/XX/XXXX

Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). A valid Change of Circumstance (COC) is not available - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-XX/XX/XXXX: The COC dated XX/XX/XXXX indicating the increase in recording fee has been uploaded for your review. - Seller-XX/XX/XXXX

Resolved-Lender provided a COC for the increase in recording fees. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_COC.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000379

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001258)

Resolved-Lender provided a COC for the increase in recording fees. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The COC dated XX/XX/XXXX indicating the increase in recording fee has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). A valid Change of Circumstance (COC) is not available - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Lender provided a COC for the increase in recording fees. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_COC.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000385

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000385

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF1000386

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000386

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000386

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Resolved-Privacy Notice provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Privacy Notice has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-Privacy Notice Required - Missing or Incomplete. Missing Privacy Notice. - XXXXX-XX/XX/XXXX

Resolved-Privacy Notice provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_privacy notice.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000394

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000394

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000398

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - XXXXX-XX/XX/XXXX

Rescinded-Value grade equals B, loan approved with a PIW. Loan approved with a PIW. - XXXXX-XX/XX/XXXX

Rescinded-Value grade equals B, loan approved with a PIW. Loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

Investor Post-Close

AHMCCNF1000398

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000408

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000413

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF1000413

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000420

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. The Collateral Underwriter Risk Score is 2.6 and LCA do not provide Rep & Warrant Relief - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000420

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000422

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-ATR Risk - Current Income or Current Assets were considered - XXXXX-XX/XX/XXXX
Resolved-Updated DU/AUS and 1003 application received removing asset # 3, Funds available to close sufficient. Condition resolved. - XXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated DU/AUS and 1003 removing the XXXXX funds received. The borrower has sufficient funds without the XXXXX account. Uploaded - Buyer-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements AUS requires assets covering a two-month period. Missing two-month asset statement for asset #3 on the final 1003. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_XXXXX acct removed.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000422

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Updated DU/AUS and 1003 application received removing asset # 3, Funds available to close sufficient. Condition resolved. - XXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated DU/AUS and 1003 removing the XXXXX funds received. The borrower has sufficient funds without the XXXXX account. Uploaded - Buyer-XX/XX/XXXX
Open-AUS requires assets covering a two-month period. Missing two-month asset statement for asset #3 on the final 1003. - XXXXX-XX/XX/XXXX

Resolved-Updated DU/AUS and 1003 application received removing asset # 3, Funds available to close sufficient. Condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_XXXXX acct removed.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000438

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged-This finding is deemed non-material and will be rated B for all agencies - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Lender LOE regarding the Appraisal dates and POD have been uploaded for your review. - Buyer-XX/XX/XXXX

Counter-Appraisal delivery date of XX/XX/XXXX is prior to the appraisal signature date of XX/XX/XXXX - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Appraisal POD has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is deemed non-material and will be rated B for all agencies - XXXXX-XX/XX/XXXX

Acknowledged-This finding is deemed non-material and will be rated B for all agencies - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Appraisial POD_.pdf

XXXX_XXXXX_Appraisial POD_.pdf

XXXX_XXXXX_Appraisal Lender LOE.pdf

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

Investor Post-Close

AHMCCNF1000448

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. secondary valuation supporting the origination appraisal value is not present. - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000448

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000452

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000452

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000454

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000454

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. .Loan approved with appraisal waiver - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000457

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000462

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded required payment history per AUS. The loan is being refinanced per the stipulations of the divorce decree in file. - Buyer-XX/XX/XXXX

Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Mortgage account is not reflected borrower account, and which is currently under borrower spouse name. Please provided monthly payment for last 12 months - XXXXX-XX/XX/XXXX

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Payment History.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000462

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded required payment history per AUS. The loan is being refinanced per the stipulations of the divorce decree in file. - Buyer-XX/XX/XXXX

Open-ATR Risk - Credit History taken into consideration does not meet requirements - XXXXX-XX/XX/XXXX

Resolved-ATR Risk - Credit History taken into consideration meets requirements - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Payment History.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000462

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing History Meets Guideline Requirements - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded required payment history per AUS. The loan is being refinanced per the stipulations of the divorce decree in file. - Buyer-XX/XX/XXXX

Open-Housing History XXXXX account is not reflected borrower account, and which is currently under borrower spouse name. Please provided monthly payment for last 12 months - XXXXX-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Payment History.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000462

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Condo Questionnaire

Resolved-Lender provided the Condo documentation. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Condo Questionnaire is not required. Uploaded condo approval. - Seller-XX/XX/XXXX

Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply.
The Condo Questionnaire is missing from the loan file. Additional conditions may apply. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Condo Questionnaire is not required. Uploaded condo approval. - Seller-XX/XX/XXXX

Resolved-Lender provided the Condo documentation. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Condo Approval.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000472

XXXXX

XXXX

Closed

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 will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

Investor Post-Close

AHMCCNF1000481

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Resolved-Lender provided documentation that the lender is not open on Saturdays - XXXXX-XX/XX/XXXX

Resolved-ECOA Compliant: Evidence provided Appraisal Disclosure provided timely. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, XXXXX is closed on Saturdays and Sunday, Please see attached. - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX - XXXXX-XX/XX/XXXX

Resolved-Lender provided documentation that the lender is not open on Saturdays - XXXXX-XX/XX/XXXX

Resolved-ECOA Compliant: Evidence provided Appraisal Disclosure provided timely. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_LOE.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000481

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application

Resolved-Lender provided documentation that the lender is not open on Saturdays - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, XXXXX is closed on Saturdays and Sunday, Please see attached. - Seller-XX/XX/XXXX

Open-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Based on Mavent present in the loan file, it appears we are missing Lender Attestation showing the business is closed on Saturdays. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, XXXXX is closed on Saturdays and Sunday, Please see attached. - Seller-XX/XX/XXXX

Resolved-Lender provided documentation that the lender is not open on Saturdays - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_LOE.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000481

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Lender provided documentation that the lender is not open on Saturdays - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, XXXXX is closed on Saturdays and Sunday, Please see attached. - Buyer-XX/XX/XXXX

Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Based on Mavent present in the loan file, it appears we are missing Lender Attestation showing the business is closed on Saturdays. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Lender provided documentation that the lender is not open on Saturdays - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_LOE.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000481

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing

Resolved-Acknowledgment of Fair Market Value disclosure provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The signed Fair Market Value disclosure has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing - XXXXX-XX/XX/XXXX

Resolved-Acknowledgment of Fair Market Value disclosure provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_FairMarketVAlue.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000487

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000487

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000488

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

Investor Post-Close

AHMCCNF1000488

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF1000494

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF1000494

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF1000495

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000495

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing

Resolved-Proof of Copies of all loan documents received by borrower provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello, The Proof of Copies disclosure has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing. TX 50(A)(6) Violation: Proof of Copies of All Loan Documents Received by Borrower is Missing - XXXXX-XX/XX/XXXX

Resolved-Proof of Copies of all loan documents received by borrower provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_receipt of copys.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000504

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000504

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000504

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Resolved-Privacy Notice provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_privacy notice.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000509

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000533

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000538

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000538

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000546

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. CU score is greater than 2.5 hence review product -2 is required. - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

N/A

AHMCCNF1000555

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000555

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000555

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Lender provided documentation that the appraisal was updated for a minor change and did not have to be redisclosed to the borrower. Condition cleared. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: There was only a minor correction made. The appraiser had to uncheck the PUD box. The regulation states that you do not have to redeliver the appraisal for minor clerical corrections. - Buyer-XX/XX/XXXX

Counter-Appraisal delivery date of XX/XX/XXXX is prior to the appraisal signature date of XX/XX/XXXX - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Appraisal POD has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is deemed non-material and will be rated B for all agencies - XXXXX-XX/XX/XXXX

Resolved-Lender provided documentation that the appraisal was updated for a minor change and did not have to be redisclosed to the borrower. Condition cleared. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Appraisal delivery.pdf

XXXX_XXXXX_Lender Appraisal LOE.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000560

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Lease Agreements Missing

Resolved-Lender advised that the business that owns the property shows borrower is 50% owner.  Overall the business is showing positive income and the business income was not used.  Condition cleared. - XXXXX-XX/XX/XXXX

Ready for Review-Agree that the rent loss of $X,XXX.XX reflected in LP, form 1008 and 1003 for REO 3b is incorrect. Review of the XXXX-XXXX - 1065s shows B2 is 50% owner of REO 3b, the two-year LLC reflects $X,XXX.XX in monthly positive income if used. The finding is not material. Please waive. - Buyer-XX/XX/XXXX

Counter-All Other Monthly Payments Used in Qualifying on 1008 Underwriting Transmittal Summary includes rental loss from property listed on section 3B of the final 1003, however the REO is operated by an LLC, and all income & expenses are calculated under the same LLC as per business tax returns (pg# 687). Borrower is a partial owner of the LLC and rental income from the REO cannot be claimed by the borrower personally. Kindly provide an updated 1008 removing the relevant rental income for REO 3B. Additional conditions may apply. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Borrowers are not using any rental income to qualify. Lease(s) would not be required. Thank You.  - Buyer-XX/XX/XXXX

Open-Borrower 2 Lease Agreements Missing B2 proof of rental income Lease is missing.  - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Underwriting Transmittal.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000560

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. Loan is PIW. Appraisal is waiver - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000561

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Lender provided the undiscounted rate and documented points as being bona fide. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello, please see the attached Compliance Report from the seller. It reflects an undiscounted rate of 6.75% and the note rate is 6.625%. Points may be considered bona fide and 2% is excluded from QM Points and Fees. - Buyer-XX/XX/XXXX

Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$X,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Loan fees exceed the 3% fee limit. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Lender provided the undiscounted rate and documented points as being bona fide. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_ComplianceReport.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000564

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-Lender provided required documentation for the Bridge loan. - XXXXX-XX/XX/XXXX

Resolved-ATR Risk - Current Income or Current Assets were considered - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Bridge loan uploaded - Buyer-XX/XX/XXXX

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Verified assets of $X,XXX.XX less cash to close of $X,XXX.XX results in $X,XXX.XX shortage of funds to close. Per XX/XX/XXXX bridge loan in the amount of $X,XXX.XXK used. Missing documentation to support funds. - XXXXX-XX/XX/XXXX

Resolved-Lender provided required documentation for the Bridge loan. - XXXXX-XX/XX/XXXX

Resolved-ATR Risk - Current Income or Current Assets were considered - XXXXX-XX/XX/XXXX

XXXX_XXXXX_bridge loan.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000564

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Insufficient asset documentation in file - assets do not cover closing costs

Resolved-Sufficient asset documentation provided. - XXXXX-XX/XX/XXXX

Resolved-Lender provided required documentation for the Bridge loan. - XXXXX-XX/XX/XXXX

Counter-Lender provided HELOC agreement and bank statement confirming funds deposited to the bank account. however, cannot confirm in which account XXXX were deposited. hence cannot be accepted. Cashier's check provided for funds to close, however unable to derive source of the funds. Please provide source of cashier's check for the funds to close required from borrower. Condition remains. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Bridge loan uploaded - Buyer-XX/XX/XXXX

Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $X,XXX.XX less cash to close of $X,XXX.XX results in $X,XXX.XX shortage of funds to close. Per XX/XX/XXXX bridge loan in the amount of $X,XXX.XXK used. Missing documentation to support funds. - XXXXX-XX/XX/XXXX

Resolved-Sufficient asset documentation provided. - XXXXX-XX/XX/XXXX

Resolved-Lender provided required documentation for the Bridge loan. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_bridge loan.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000564

XXXXX

XXXX

Closed

XX/XX/XXXX

Cured

2 - Non-Material

Compliance

Mavent

NJ Fee Not Allowed- Verification Fee (Fee ID: 553)

Cured-Lender provided Letter of explanation, proof of delivery and post closing CD refunding the Verification fee. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

Cured-Lender provided Letter of explanation, proof of delivery and post closing CD refunding the Verification fee. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Cure Package has been uploaded for your review. - Buyer-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open-Section 3:1-16.2 of the XXXXX Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Verification Fee (Fee ID: 553) to be charged to the Borrower in NJ. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Cure Package.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000565

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-E-Consent documentation for borrower(s) provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The borrower e-Consent has been uploaded for your review. Please refer to page 2 of uploaded documents. - Buyer-XX/XX/XXXX

Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower(s) - XXXXX-XX/XX/XXXX

Resolved-E-Consent documentation for borrower(s) provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_eConsent.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000566

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Lender provided the missing COC for the increase in Bona Fide Fees. Condition cleared - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The COCs dated XX/XX/XXXX regarding the increase in Discount Point fees has been uploaded for your review. - Seller-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). A valid COC has not been provided for the increased Discount Points. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The COCs dated XX/XX/XXXX regarding the increase in Discount Point fees has been uploaded for your review. - Seller-XX/XX/XXXX

Resolved-Lender provided the missing COC for the increase in Bona Fide Fees. Condition cleared - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_COC 7-10.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000566

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Lender provided the missing COC for the increase in Bona Fide Fees. Condition cleared - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The COCs dated XX/XX/XXXX regarding the increase in Discount Point fees has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). A valid COC has not been provided for the increased Discount Points. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Lender provided the missing COC for the increase in Bona Fide Fees. Condition cleared - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_COC 7-10.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000568

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. CU score is more than 2.5 hence secondary valuation is required. - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000568

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF1000575

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - XXXXX-XX/XX/XXXX

Resolved-Lender provided corrected final 1003 removing the alimony as it was a typo. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. It appears that the $X,XXX.XX in alimony payment is a typo. Updated loan application removing the debt received. Uploaded - Buyer-XX/XX/XXXX

Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Supporting document is missing for Alimony - XXXXX-XX/XX/XXXX

XXXX_XXXXX_1003 removing the debt.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000575

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided corrected final 1003 removing the alimony as it was a typo. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. It appears that the $X,XXX.XX in alimony payment is a typo. Updated loan application removing the debt received. Uploaded - Buyer-XX/XX/XXXX

Open-supporting documents is missing for Alimony - XXXXX-XX/XX/XXXX

Resolved-Lender provided corrected final 1003 removing the alimony as it was a typo. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_1003 removing the debt.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000579

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Resolved-RESPA: Toolkit provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Disclosure tracking indicating the Home Loan Toolkit was sent to the borrower with the initial package dated XX/XX/XXXX has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated an EV2 - XXXXX-XX/XX/XXXX

Resolved-RESPA: Toolkit provided. - XXXXX-XX/XX/XXXX

XXXX__XXXXX_Toolkit POD.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000579

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing evidence of sale of other property owned (REO)

Resolved-Lender provided Seller closing disclosure for proof of net procees. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded CD for sale of: XXXXX. XXXXX, GA. (Net sale proceeds $X,XXX.XX). - Buyer-XX/XX/XXXX

Open-Final Hud-1,Closing documents, or other evidence of sale from property listed in position Section 2b on the application evidencing liens paid was not provided. - XXXXX-XX/XX/XXXX

Resolved-Lender provided Seller closing disclosure for proof of net procees. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Seller Closing Disclosure.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000579

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Insufficient asset documentation in file - assets do not cover closing costs

Resolved-Lender provided sufficient proof of assets - XXXXX-XX/XX/XXXX

Resolved-Sufficient asset documentation provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded CD for sale of: XXXXX. XXXXX, GA. (Net sale proceeds $X,XXX.XX). - Buyer-XX/XX/XXXX

Open-Insufficient asset documentation in file - assets do not cover closing costs. - XXXXX-XX/XX/XXXX

Resolved-Lender provided sufficient proof of assets - XXXXX-XX/XX/XXXX

Resolved-Sufficient asset documentation provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Seller Closing Disclosure.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000601

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

1 - Information

Property

S&P value equals C, 1st lien and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P and A for all other rating agencies. - XXXXX-XX/XX/XXXX

Open-S&P RA Only - 1st lien and secondary product not within tolerance. This finding will be rated a C for S&P. - XXXXX-XX/XX/XXXX

Acknowledged-This finding will be rated a C for S&P and A for all other rating agencies. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

Investor Post-Close

AHMCCNF1000601

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF1000601

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-AVM did not consider interior/exterior improvements made in XXXX in valuation. Sent to vendor for clarification - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF1000601

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-Hazard Insurance Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - XXXXX-XX/XX/XXXX

XXXX_XXXXX_HOI.pdf

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF1000604

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-Lender provided documentation that insurance coverage is for replacement cost. - XXXXX-XX/XX/XXXX

Resolved-Hazard Insurance Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. HOI contains replacement cost coverage. - Buyer-XX/XX/XXXX

Open-Hazard Insurance Coverage Amount of $X,XXX.XX is less than Total Amount of Subject Lien(s) of $X,XXX.XX Hazard Insurance Coverage Amount of $X,XXX.XX is less than Total Amount of Subject loan $X,XXX.XX - XXXXX-XX/XX/XXXX

XXXX_XXXXX_HOI.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000605

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Resolved-Privacy Notice provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, Please see attached Privacy Notice. - Buyer-XX/XX/XXXX

Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice is Missing - XXXXX-XX/XX/XXXX

Resolved-Privacy Notice provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_PrivacyNotice.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000609

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. No evidence appraisal was provided to applicant - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000615

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing

Resolved-Acknowledgment of Fair Market Value disclosure provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. Acknowledgment of Fair Market Value disclosure is missing. - XXXXX-XX/XX/XXXX

Resolved-Acknowledgment of Fair Market Value disclosure provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Fair Market Value Disclosure.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000619

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Acknowledged-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF1000619

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000627

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Resolved-Lender provided Disclosure tracker showing the toolkit was provided to the homeowner. - XXXXX-XX/XX/XXXX

Resolved-RESPA: Toolkit provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX(XX): The Home Loan Toolkit has been uploaded for your review. - Seller-XX/XX/XXXX

Counter-Lender provided the Privacy Notice, however the RESPA: Toolkit is still missing. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Privacy Notice has been uploaded for your review. - Seller-XX/XX/XXXX

Open-RESPA: Toolkit Missing or Incomplete. RESPA: Toolkit Missing. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX(XX): The Home Loan Toolkit has been uploaded for your review. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Privacy Notice has been uploaded for your review. - Seller-XX/XX/XXXX

Resolved-Lender provided Disclosure tracker showing the toolkit was provided to the homeowner. - XXXXX-XX/XX/XXXX

Resolved-RESPA: Toolkit provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Took Kit.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000627

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Resolved-Privacy Notice provided. - XXXXX-XX/XX/XXXX

Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing. - XXXXX-XX/XX/XXXX

Resolved-Privacy Notice provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000627

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello. Uploaded FHLMC guide 5302.2 and paystub which meets eligible 10-Day PCV types. Thank You. - Buyer-XX/XX/XXXX

Open-Borrower 1 3rd Party VOE Prior to Close Missing. - XXXXX-XX/XX/XXXX

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - XXXXX-XX/XX/XXXX

XXXX_XXXXX_VVOE.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000630

XXXXX

XXXX

Buyer

XX/XX/XXXX

Ready for Review

2 - Non-Material

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see uploaded disclosure tracking indicating the home loan toolkit was provided to the borrower on XX/XX/XXXX with the initial disclosures. - Buyer-XX/XX/XXXX

Open-RESPA: Toolkit Missing or Incomplete. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Disclosure Tracking.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000630

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Asset 5 Missing

Resolved-Received 60 asset verification document for Asset# 5, condition resolved. - XXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. Copy of the XXXXX statement account #XXXX, asset balance $X,XXX.XX uploaded. - Buyer-XX/XX/XXXX
Open-Asset 5 Missing Document for Checking account #XXXX is missing of amount $X,XXX.XX - XXXXX-XX/XX/XXXX

Resolved-Received 60 asset verification document for Asset# 5, condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_XXXXX #XXXX.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000630

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Alimony/Child Support Documentation

Resolved-Received Divorce decree verifying Child Support obligations. Condition resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Documentation of child support expense uploaded. - Buyer-XX/XX/XXXX

Open-Missing verification of the amount of alimony/child support. Child support/Divorce degree document missing of amount $X,XXX.XX - XXXXX-XX/XX/XXXX

Resolved-Received Divorce decree verifying Child Support obligations. Condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_child support expense.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000635

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello, Please see attached Appraisal Tracking - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. fixed - XXXXX-XX/XX/XXXX

Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Apprasial POD.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000636

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000636

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000636

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application

Resolved-Lender provided documentation that lender is closed on Saturday. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded Lender Attestation that indicates the Lender is closed for business on Saturdays and Memorial Day XX/XX/XXXX, therefore the SSPL and initial disclosures were issued within 3 business days of the application date of XX/XX/XXXX.
- Buyer-XX/XX/XXXX

Open-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) The List of Settlement Service Providers Disclosure Date XX/XX/XXXX is more than 3 business days from the Application Date XX/XX/XXXX. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Lender provided documentation that lender is closed on Saturday. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Letter of Attestation.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000636

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Lender provided documentation that lender is closed on Saturday. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded Lender Attestation that indicates the Lender is closed for business on Saturdays and Memorial Day XX/XX/XXXX, therefore the LE and initial disclosure are within 3 business days of the application date of XX/XX/XXXX. - Buyer-XX/XX/XXXX

Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Disclosure Date XX/XX/XXXX is more than 3 business days from the Application Date XX/XX/XXXX. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Lender provided documentation that lender is closed on Saturday. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Letter of Attestation.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000636

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Lender provided documentation that lender is closed on Saturday. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Disclosure Tracking indicating that a copy of the Appraisal was provided to the borrower has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Apprasial POD.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000636

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Resolved-Lender provided documentation that lender is closed on Saturday. Condition cleared. - XXXXX-XX/XX/XXXX

Resolved-ECOA Compliant: Evidence provided Appraisal Disclosure provided timely. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded Lender Attestation that indicates the Lender is closed for business on Saturdays and Memorial Day XX/XX/XXXX, therefore the Appraisal Disclosure and initial disclosures were issued within 3 business days of the application date of XX/XX/XXXX.
- Buyer-XX/XX/XXXX

Counter-Appraisal Disclosure was not sent within 3 business days of the application date. - XXXXX-XX/XX/XXXX

Ready for Review-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Disclosure Tracking indicating that a copy of the Appraisal was provided to the borrower has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. Invalid finding. Finding rescinded. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Apprasial POD.pdf

XXXX_XXXXX_Letter of Attestation.pdf

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000639

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 2

Resolved-Secondary valuation, AVM, confirm appraised value. - XXXXX-XX/XX/XXXX

Acknowledged-A valid secondary valuation supporting the origination appraisal value is not present. Review product 2 missing since CU and LCA score is above 2.5. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF1000645

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing

Resolved-Acknowledgment of Fair Market Value disclosure provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached Fair Market Value Disclosure. - Buyer-XX/XX/XXXX

Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. - XXXXX-XX/XX/XXXX

Resolved-Acknowledgment of Fair Market Value disclosure provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Acknowledgment of Fair Market.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000645

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing

Resolved-Proof of Copies of all loan documents received by borrower provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached TX50(a)(6)Proof of copies - Buyer-XX/XX/XXXX

Counter- - XXXXX-XX/XX/XXXX

Open-TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Fair Market Value Disclosure was uploaded in other finding. - Buyer-XX/XX/XXXX

Open-TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing. - XXXXX-XX/XX/XXXX

Resolved-Proof of Copies of all loan documents received by borrower provided. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_Acknowledgment of Fair Market.pdf

XXXX_XXXXX_Rereiptofdocuments.pdf

XXXX_XXXXX_TX 50(a)(6)Proofofcopies.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000646

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. The Collateral Underwriter Risk Score is 2.6 and LCA do not provide Rep & Warrant Relief - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000646

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000649

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Income/Employment

Income 4 Months Income Verified is Missing

Resolved-Received Tax and Insurance verification documents, condition resolved. - XXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. HOI ($X,XXX.XX) and property tax ($X,XXX.XX) for XXX XXXXXuploaded to portal. Rent loss $X,XXX.XX match DU and 1003. - Buyer-XX/XX/XXXX
Open-Income 4 Months Income Verified is Missing property address "XXX XXXXX Street" Insurance and HOA documents are missing - XXXXX-XX/XX/XXXX

Resolved-Received Tax and Insurance verification documents, condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_HOI-HOA-tax XXXXX.pdf
XXXX_XXXXX_HOI and prop tax XXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000649

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Income/Employment

Income 5 Months Income Verified is Missing

Resolved-Received Insurance and HOA docs, condition resolved. - XXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. HOI ($X,XXX.XX), HOA ($X,XXX.XX) and property tax ($X,XXX.XX) for 4 XXXXX uploaded to portal. Rent loss of $X,XXX.XX match DU and 1003. - Buyer-XX/XX/XXXX
Open-Income 5 Months Income Verified is Missing Property address "XXXXX" Insurance and HOA documents are missing - XXXXX-XX/XX/XXXX

Resolved-Received Insurance and HOA docs, condition resolved. - XXXXX-XX/XX/XXXX

XXXX_XXXXX_HOI-HOA-tax XXXXX.pdf
XXXX_XXXXX_HOI and prop tax XXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF1000656

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Finding is non-material, and loan will be graded a B. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF1000657

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

AHMCCNF1000657

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Open-AVM performed on XX/XX/XXXX did not consider the interior/exterior improvements made on the property in XXXX. Requesting update from AVM vendor. - XXXXX-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. - XXXXX-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

AHMCCNF1000657

XXXXX

XXXX

Closed

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 will be rated a B for S&P. All other agencies will be rated as A. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

Investor Post-Close

AHMCCNF1000733

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

Investor Post-Close

AHMCCNF1000734

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Lender provided PDI reflecting no damage. Condition cleared. - XXXXX-XX/XX/XXXX

Open-Subject property is in recent disaster area and there is no post incident inspection - XXXXX-XX/XX/XXXX

Resolved-Lender provided PDI reflecting no damage. Condition cleared. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

N/A

AHMCCNF1000734

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. Loan approved with appraisal waiver, PIW grading applies - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

Investor Post-Close