EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.08 - Schedule 3

 

Infinity Loan ID Loan Number Redacted ID Loan Number 2 Borrower Last Name Property State Note Date Loan Purpose TPR QM ATR Status Initial Overall Loan Grade Final Overall Loan Grade Exception Category Exception Subcategory Exception Code Final Exception Status Initial Exception Grade Final Exception Grade Exception Exception Detail Follow-up Comments (Exception Response) Exception Conclusion Comments Compensating Factors Curable Status Loan Status Review Date Cleared Date Cured Date Exception Date
xxx xxx 2189615   xxx Kentucky xxx Cash Out Not Covered/Exempt 3 1 Credit Credit QQTKX5555J3-U0OKEMMW Resolved 3 R * Required Documentation Missing or Incomplete  (Lvl R) Provide a copy of updated hazard insurance with mortgage clause.
07/21/2026;  Resolved.  Received updated HOI
07/21/2026;  Resolved.  Received updated HOI 07/21/2026;  Resolved.  Received updated HOI     QC Complete 07/13/2026 07/21/2026 07/21/2026 07/13/2026
xxx xxx 2189616   xxx Kentucky xxx Cash Out Not Covered/Exempt 3 1 Credit Credit DZRRSD410W4-EDXGB1F3 Resolved 3 R * Required Documentation Missing (Lvl R) Provide lease agreement with updated rent in the amount of xxx.
07/15/2026:  Resolved.  Received lease
07/15/2026:  Resolved.  Received lease 07/15/2026:  Resolved.  Received lease     QC Complete 07/13/2026 07/15/2026 07/15/2026 07/13/2026
xxx xxx 2189616   xxx Kentucky xxx Cash Out Not Covered/Exempt 3 1 Credit Credit DZRRSD410W4-U0OKEMMW Resolved 3 R * Required Documentation Missing or Incomplete  (Lvl R) Provide an updated Hazard Insurance Policy/Declaration Page reflecting the required ISAOA/ATIMA mortgagee clause (lender loss payee) in favor of the lender.
07/21/2026; Resolved. Received updated HOI
07/21/2026; Resolved. Received updated HOI 07/21/2026; Resolved. Received updated HOI     QC Complete 07/13/2026 07/21/2026 07/21/2026 07/13/2026
xxx xxx 2189617   xxx Kentucky xxx Cash Out Not Covered/Exempt 3 1 Credit Credit AX2VSOQDORU-U0OKEMMW Resolved 3 R * Required Documentation Missing or Incomplete  (Lvl R) Provide an updated copy of the Hazard Insurance policy reflecting xxx., ISAOA, ATIMA as the mortgagee/loss payee, as the current policy is missing the "ISAOA ATIMA."
07/21/2026;  Resolved.  Received updated HOI
07/21/2026;  Resolved.  Received updated HOI 07/21/2026;  Resolved.  Received updated HOI     QC Complete 07/13/2026 07/21/2026 07/21/2026 07/13/2026