Exhibit 99.45
| 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? |
| GCAT2026CES1001209 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-1099R received. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. 1099R - Buyer-XX/XX/XXXX Open-Borrower 1 W2/1099 Missing Lender qualified using income IRA Distributions. A copy year $X,XXX.XX 1099-R in file is illegible. Please provide a legible the 1099-R. Additional conditoins may apply - Due Diligence Vendor-XX/XX/XXXX |
Resolved-1099R received. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - 1099R.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001210 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001214 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Post Close Lender Exception received - condition cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Awaiting Lender Exception for Post Close Valuation - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Second AVM does not meet guidelines. Please provide 2055 with post close lender exception - NOTE - resolution will result in B Grade. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Post Close Lender Exception received - condition cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.pdf XXXXX Appraisal.pdf Loan XXXXX_XXXXX XXXXX _ XXXXX_XXXXX XXXXX.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001214 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing the Second AVM ordered through Cotality Total Home Value. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001215 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-B1 citizenship verified with PR Card. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Upon review of the attached Permanent Resident card, it is for XXXXX XXXXX, B1. I show XXXXX XXXXX as B2. Please review and advise how we can proceed. - Buyer-XX/XX/XXXX Counter-Received Permanent Resident Card for B2. Missing Permanent Resident Card for B1. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached Permanent Resident Card for B1. Thank you. - Buyer-XX/XX/XXXX Open-Borrower 1 Citizenship Documentation Is Missing For B1, Citizenship Documentation Not Provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-B1 citizenship verified with PR Card. condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001215 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-Received Permanent Resident Card for B2. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached Permanent Resident Card for B2. Thank you. - Buyer-XX/XX/XXXX Open-Borrower 2 Citizenship Documentation Is Missing For B2, Citizenship Documentation Not Provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received Permanent Resident Card for B2. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001216 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing proof of residency status for Non-US Citizen (Borrower 1) | Resolved-Lender provided USA PR Card for borrower. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Proof of residency status for Non-US Citizen (Borrower 1) provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COPY OF GREEN CARD - Buyer-XX/XX/XXXX Open-Missing proof of residency status for Non-US Citizen (Borrower 1) Provide a legible copy of the front/back of the permanent resident alien card (AKA green card). - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided USA PR Card for borrower. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Proof of residency status for Non-US Citizen (Borrower 1) provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001216 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received XX/XX/XXXX CD signed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Initial CD issuedXX/XX/XXXX (Fri)CD clock starts Final CD issuedXX/XX/XXXX (Mon)Permitted as long as no delay-triggering changes Borrower signed XX/XX/XXXX (Wed)Consummation date - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-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)) Initial CD reflects date Issued of XX/XX/XXXX. Borrower acknowledged receipt of initial CD on XX/XX/XXXX, which is less than 3-business days prior to consummation. No Cure. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received XX/XX/XXXX CD signed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - CD - Initial XXXXX XXXXX XXXXX/XXXXX/XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001219 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached CDA. Thank you. - Seller-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines require a Collateral Desktop Analysis (CDA) when XXXXX CU/XXXXX LCA are greater than 2.5. The CU was 2.6 and LCA was 3.5. Missing CDA. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached CDA. Thank you. - Seller-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX CDA.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001219 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | HELOC Closure Letter Not Provided | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached HELOC payoff and close letter. Thank you. - Seller-XX/XX/XXXX Open-The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. Guidelines (section 6.2) require the subject transaction to close in second lien position. The 2nd lien paid off at closing was a Home Equity Line of Credit. No HELOC close letter, signed by borrowers, in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached HELOC payoff and close letter. Thank you. - Seller-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX and XXXXX Letter.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001219 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Payment:1stPayment | XXXXX - Days to First Payment | Acknowledged-This loan includes a first payment date of (XX/XX/XXXX) and consummation date of (XX/XX/XXXX). The XXXXX Second Mortgage Loan Interest Provisions prohibit the days until first payment from exceeding 45 days. (Mo. Rev. Stat. 408.232.2) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-This loan includes a first payment date of (XX/XX/XXXX) and consummation date of (XX/XX/XXXX). The XXXXX Second Mortgage Loan Interest Provisions prohibit the days until first payment from exceeding 45 days. (Mo. Rev. Stat. 408.232.2) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001220 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD CORRECTING LOAN DISBURSEMENT DATE AND INCLUDED THE FINAL SETTLEMENT STATEMENT - Buyer-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - Final XXXXX.pdf XXXXX XXXXX - PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001221 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD attached. - Buyer-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001222 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Supplemental Report received at $X,XXX.XXK. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached Supplemental Report. Thank you. - Buyer-XX/XX/XXXX Counter-The title received was the Commitment will need a supplement to show the correct coverage of XXXK. condition remains the same - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Loan amount is < $X,XXX.XXK and an Owner & Encumbrance Report would only be required. - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $X,XXX.XX is Less than Total Amount of Subject Lien(s) of $X,XXX.XX Title coverage amount is $X,XXX.XX and the Loan Amount is $X,XXX.XXk. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Supplemental Report received at $X,XXX.XXK. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX Loan XXXXX_XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001226 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001227 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Payment:1stPayment | XXXXX - Days to First Payment | Acknowledged-Acknowledged - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan includes a first payment date of (XX/XX/XXXX) and consummation date of (XX/XX/XXXX). The XXXXX Second Mortgage Loan Interest Provisions prohibit the days until first payment from exceeding 45 days. (Mo. Rev. Stat. 408.232.2) This finding is non-material and can be downgraded to EV2/B. The consummation date on Closing disclosure shows XX/XX/XXXX and the first payment date is of XX/XX/XXXX. Therefore as per Vetting compliance document, downgraded the finding. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Acknowledged - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan includes a first payment date of (XX/XX/XXXX) and consummation date of (XX/XX/XXXX). The XXXXX Second Mortgage Loan Interest Provisions prohibit the days until first payment from exceeding 45 days. (Mo. Rev. Stat. 408.232.2) This finding is non-material and can be downgraded to EV2/B. The consummation date on Closing disclosure shows XX/XX/XXXX and the first payment date is of XX/XX/XXXX. Therefore as per Vetting compliance document, downgraded the finding. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001227 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001229 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided PCCD with disbursement date of XX/XX/XXXX, which is compliance with Right of Cancel. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD - Buyer-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided PCCD with disbursement date of XX/XX/XXXX, which is compliance with Right of Cancel. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001230 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $X,XXX.XX is Less than Total Amount of Subject Lien(s) of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Title Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX Title XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001237 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Lender provided Hazard insurance policy, which showed 1st and 2nd lien with an effective date of XX/XX/XXXX and expiration date of XX/XX/XXXX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HAZARD INSURANCE BINDER WITH BOTH 1ST AND 2ND LIEN MORTGAGEE - EEF: XX/XX/XXXX - 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 - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided Hazard insurance policy, which showed 1st and 2nd lien with an effective date of XX/XX/XXXX and expiration date of XX/XX/XXXX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX INSURANCE XXXXX WITH XXXXX XXXXX AND XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001237 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001238 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $X,XXX.XX is Less than Total Amount of Subject Lien(s) of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Title Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
21 XXXXX XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001239 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lender provided updated 1008 to show the MI payment, and updated income worksheet to shows overage average was used, which change the DTI to 47.78 below the Max DTI of 50%. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited DTI of 47.78% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached revised 1008 and income worksheet. Thank you. - Buyer-XX/XX/XXXX Open-Audited DTI of 50.64% exceeds Guideline DTI of 50% DTI variance is due to the MI payment used for the 1st lien. MI payment for 1st lien is $X,XXX.XX per mortgage statement page and loan history in file. PI is $X,XXX.XX per note, mortgage statement and pay history in file. Total 1st lien PI and MI = $X,XXX.XX. Lender used a total of $X,XXX.XX for PI and MI for the 1st lien. This is a difference of $X,XXX.XX. All other payments match the lender. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided updated 1008 to show the MI payment, and updated income worksheet to shows overage average was used, which change the DTI to 47.78 below the Max DTI of 50%. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited DTI of 47.78% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX.pdf XXXXX XXXXX 1008.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001239 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-Lender provided updated 1008 to show the MI payment, and updated income worksheet. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached revised 1008 and income worksheet. Thank you. - Buyer-XX/XX/XXXX Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements DTI variance is due to the MI payment used for the 1st lien. MI payment for 1st lien is $X,XXX.XX per mortgage statement page and loan history in file. PI is $X,XXX.XX per note, mortgage statement and pay history in file. Total 1st lien PI and MI = $X,XXX.XX. Lender used a total of $X,XXX.XX for PI and MI for the 1st lien. This is a difference of $X,XXX.XX. All other payments match the lender. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided updated 1008 to show the MI payment, and updated income worksheet. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX.pdf XXXXX XXXXX 1008.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001240 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Income/Employment | Income/Employment General | Resolved-Lender provided VVOE to show B2 is active employer. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. VVOE-FINAL FOR B2 - Buyer-XX/XX/XXXX Open-Lender to provide VVOE for B2 showing Active employment dated as required per Lender Guidelines. WVOE's recv'd (dated 4/7 & 2/17) show Inactive employment/Transferred. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided VVOE to show B2 is active employer. condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
24-XXXXX XXXXX - XXXXX - XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001241 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | HELOC Closure Letter Not Provided | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001241 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-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 The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001248 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | HELOC Closure Letter Not Provided | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Borrower Authorization to Close Out Home Equity Line of Credit - Buyer-XX/XX/XXXX Open-The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. The file is missing a copy of the closure letter signed by the borrower(s) to terminate a line of credit and to release the lien as per the payoff statement. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - Borrower XXXXX to XXXXX XXXXX XXXXX XXXXX XXXXX of Credit.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001249 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD CORRECTING LOAN DISBURSEMENT - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - PCCD.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001250 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD CORRECTING LOAN DISBURSEMENT DATE - Buyer-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001251 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. VALUATION DELIVERY CERT XX/XX/XXXX - 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. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - VALUATION XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001251 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001252 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001253 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please review pages 388- 394 of the shipped loan package for the Owner & Encumbrance Report. Thank you for your assistance. - Buyer-XX/XX/XXXX Open-Title Document is missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Title Document is not Missing - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||||
| GCAT2026CES1001255 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Title Document is Partially Present | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded updated prelim title - Buyer-XX/XX/XXXX Open-As per Provided title document commitment date is missing, please provide supporting documents to verify the date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001260 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PROPERTY TAXES AND INSURANCE FOR REO XXXXX , XXXXX XX - Buyer-XX/XX/XXXX Counter-Received a CD for Timberline Drive in which T&I are not escrowed. Provide verification of T&I. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CD-FINAL - FOR REO XXXXX , XXXXX XX- Buyer-XX/XX/XXXX Open-Provide a legible copy of the fully executed final CD for REO property on Timberline Drive to confirm the PITIA. Additional findings may be required upon receipt of final CD. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX - FOR XXXXX 4110 XXXXX XXXXX, XXXXX XXXXX.pdf XXXXX XXXXX - XXXXX XXXXX FOR XXXXX 4110 XXXXX XXXXX, XXXXX XXXXX.pdf XXXXX XXXXX - XXXXX INSURANCE - FOR XXXXX 4110 XXXXX XXXXX, XXXXX XXXXX.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001261 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Lender provided prior HOI Hazard Insurance Effective Date of XX/XX/XXXX is prior to Disbursement Date of XX/XX/XXXX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see prior HOI - Buyer-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX Missing hazard insurance with effective date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided prior HOI Hazard Insurance Effective Date of XX/XX/XXXX is prior to Disbursement Date of XX/XX/XXXX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001264 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HOA DUES FOR PRIMARY RESIDENCE - Buyer-XX/XX/XXXX Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Provide evidence of HOA fees for subject property. Underwriting approval in the loan file indicates that confirmation from HOA is required to document amount and frequency of payments. No documentation provided in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - HOA XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001264 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for Primary Residence | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HOA DUES FOR PRIMARY RESIDENCE - Buyer-XX/XX/XXXX Open-Missing Evidence of HOA Dues for Primary Residence Provide evidence of HOA fees for subject property. Underwriting approval in the loan file indicates that confirmation from the HOA is required to document amount and frequency of payments. No documentation provided in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - HOA XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001265 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Credit history does not meet guidelines | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Waived- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Guidelines require a total of 3 tradelines with one tradeline seasoned for 24 months and all 3 active within the prior 12 months from the credit report date. Exception request approved for the tradeline requirement for borrower 2. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX |
Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Guidelines require a total of 3 tradelines with one tradeline seasoned for 24 months and all 3 active within the prior 12 months from the credit report date. Exception request approved for the tradeline requirement for borrower 2. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX |
Comp factors include Max LTVCLTV/HCLTV of XX/XX/XXXX, Min credit score of 764, Max DTI 39.92. | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | |||||
| GCAT2026CES1001266 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for Primary Residence | Resolved-Lender provided evidence of HOA fees for subject property of XXX.XX monthly. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached HOA verification. Thank you. - Buyer-XX/XX/XXXX Open-Missing Evidence of HOA Dues for Primary Residence - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided evidence of HOA fees for subject property of 561.00 monthly. condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX HOA XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001267 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Waived-Lender exception provided, finding waived. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Property type is ineligible due to ADU Outbuilding. Per Guidelines, properties with significant outbuildings are ineligible property types. The subject property has a detached garage with ADU. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX |
Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Waived-Lender exception provided, finding waived. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Property type is ineligible due to ADU Outbuilding. Per Guidelines, properties with significant outbuildings are ineligible property types. The subject property has a detached garage with ADU. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX |
13 years in subject property, DTI 10% below maximum. | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | |||||
| GCAT2026CES1001268 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001269 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged- Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-PCCD, COPY OF REFUND CHECK AND XXXXX LABEL FOR REFUND CHECK TO BORROWER - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD, COPY OF REFUND CHECK TO BORROWER AND XXXXX LABEL FOR REFUND TO BORROWER - Seller-XX/XX/XXXX Counter-Provide corrected CD, evidence of Refund to the Borrower (copy of check or screenshot showing Principal reduction applied), letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please advise if refund of $X,XXX.XX is a check to the borrower or applied to principal reduction. - 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: Appraisal 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)). Valid COC required for new fee added in section A in the amount of $X,XXX.XX of Initial/Final CD - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-PCCD, COPY OF REFUND CHECK AND XXXXX LABEL FOR REFUND CHECK TO BORROWER - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD, COPY OF REFUND CHECK TO BORROWER AND XXXXX LABEL FOR REFUND TO BORROWER - Seller-XX/XX/XXXX |
Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged- Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX XXXXX FOR XXXXX CHECK TO BORROWER.pdf XXXXX XXXXX - COPY OF XXXXX CHECK TO BORROWER.pdf XXXXX XXXXX - PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||
| GCAT2026CES1001269 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged- Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-PCCD, COPY OF REFUND CHECK, AND XXXXX LABEL FOR REFUND TO BORROWER - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD, COPY OF REFUND CHECK TO BORROWER AND XXXXX LABEL TO BORROWER FOR REFUND - 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: Appraisal 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)). Valid COC required for new fee added in section A in the amount of $$X,XXX.XX of Initial/Final CD - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD, COPY OF REFUND CHECK TO BORROWER AND XXXXX LABEL TO BORROWER FOR REFUND - Seller-XX/XX/XXXX |
Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged- Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX XXXXX FOR XXXXX CHECK TO BORROWER.pdf XXXXX XXXXX - COPY OF XXXXX CHECK TO BORROWER.pdf XXXXX XXXXX - PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||
| GCAT2026CES1001271 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD provided cleared - Due Diligence Vendor-XX/XX/XXXX |
PCCD.PDF | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001276 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001277 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CDA REPORT - Buyer-XX/XX/XXXX Counter-A valid secondary valuation supporting the origination appraisal value is not present. Lender provided AVM, however per guidelines "Additional requirements when full appraisal report is ordered, Collateral Desktop Analysis (CDA) required when: o XXXXX or XXXXX SSR messages of “excessive value”, “an excessive rate of appreciation” or “overvaluation” or XXXXX LCA/XXXXX CU Scores greater than 2.5 or unavailable (i.e., 2-4 units are not eligible for SSR) o CDA value must be within 10% of the original appraisal (this only applies to appraisal review for the Second mortgage product. Review First mortgage guidelines when reviewing CDA) condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. AVM - Buyer-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines require a Collateral Desktop Analysis (CDA) when the CU score is > 2.5. The CU score was 3.6. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX.pdf XXXXX XXXXX - CDA.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001277 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX Acknowledged- - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001278 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Lender provided explanation for 200.40, which is FHA MI payment with shortage. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower 1 Credit Report is Partially Present. Lender provided explanation for 200.40, which is FHA MI payment with shortage. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower 1 Credit Report is Partially Present. Lender provided explanation for 200.40. which HOI with shortage. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Upon reaching out to the UW, it was explained that there's no solar payment as it has a performance guarantee. The $X,XXX.XX is in the housing payment in the system for the mortgage insurance of $X,XXX.XX + the escrow acct shortage of $X,XXX.XX totals $X,XXX.XX. That's from the XXXXX payment history, provided at page 255 of the shipped loan package. - Buyer-XX/XX/XXXX Open-Borrower 1 Credit Report is Partially Present. Missing evidence of solar panel monthly payment in the amount of $X,XXX.XX that was used in qualifying. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided explanation for 200.40, which is FHA MI payment with shortage. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower 1 Credit Report is Partially Present. Lender provided explanation for 200.40, which is FHA MI payment with shortage. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower 1 Credit Report is Partially Present. Lender provided explanation for 200.40. which HOI with shortage. condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||||
| GCAT2026CES1001281 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001283 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Open-Secondary AVM not within the FSD range of 13 or less. - Due Diligence Vendor-XX/XX/XXXX |
Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX.pdf | Low CLTV, meets investor guidelines. | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||
| GCAT2026CES1001283 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached Title Policy. Thank you. - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $X,XXX.XX is Less than Total Amount of Subject Lien(s) of $X,XXX.XX The title commitment also does not include the loan amount. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Title Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Title Policy.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001284 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding 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. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001286 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COPY OF REFUND CHECK TO BORROWER PCCD AND XXXXX LABEL TO BORROWER - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-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: Inspection 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)). The Loan Estimate, dated XX/XX/XXXX, did not reflect a Property Inspection Fee. The Final CD dated XX/XX/XXXX reflects a Property Inspection Fee of$X,XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. NOTE: The loan file contained a Property Condition Inspection report dated XX/XX/XXXX; however, the fee was not disclosed until XX/XX/XXXX which is outside the timing requirement. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COPY OF REFUND CHECK TO BORROWER PCCD AND XXXXX LABEL TO BORROWER - Seller-XX/XX/XXXX |
Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX - XXXXX XXXXX FOR XXXXX TO BORROWER.pdf XXXXX XXXXX XXXXX - COPY OF XXXXX CHECK.pdf XXXXX XXXXX XXXXX - PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||
| GCAT2026CES1001286 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COPY OF REFUND CHECK TO BORROWER PCCD AND XXXXX LABEL TO BORROW - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-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: Inspection 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)). The Property Inspection Fee was added on the CD dated XX/XX/XXXX without a valid COC. No Cure. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COPY OF REFUND CHECK TO BORROWER PCCD AND XXXXX LABEL TO BORROW - Seller-XX/XX/XXXX |
Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX - COPY OF XXXXX CHECK.pdf XXXXX XXXXX XXXXX - XXXXX XXXXX FOR XXXXX TO BORROWER.pdf XXXXX XXXXX XXXXX - PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||
| GCAT2026CES1001286 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-Received COC for recording fee increase. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CD - Initial with COC XX/XX/XXXX - Buyer-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)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $X,XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received COC for recording fee increase. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX - CD - Initial with XXXXX XXXXX/XXXXX/XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001286 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-Received COC for recording fee increase. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CD - Initial with COC XX/XX/XXXX - Buyer-XX/XX/XXXX Open-The total amount of the 10% category fees on the last Closing Disclosure ($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)). Tolerance cure of $X,XXX.XX to be provided within 60 days of discovery. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received COC for recording fee increase. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX - CD - Initial with XXXXX XXXXX/XXXXX/XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001289 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved- Received PCCD ,evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached XXXXX-Check Image-PCCD. Thank you. - Seller-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($X,XXX.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Points on Final CD are $X,XXX.XX. LE dated XX/XX/XXXX lists fee as $X,XXX.XX. This fee is in a 0% tolerance section. Lender tolerance cure of $X,XXX.XX is required. Section J does not reflect a tolerance cure. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached XXXXX-Check Image-PCCD. Thank you. - Seller-XX/XX/XXXX |
Resolved-Resolved- Received PCCD ,evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - Check Image - PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001289 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Resolved- Received PCCD ,evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached XXXXX-Check Image-PCCD. Thank you. - Buyer-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($X,XXX.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Points on Final CD are $X,XXX.XX. LE dated XX/XX/XXXX lists fee as $X,XXX.XX. This fee is in a 0% tolerance section. Lender tolerance cure of $X,XXX.XX is required. Section J does not reflect a tolerance cure. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved- Received PCCD ,evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - Check Image - PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001290 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached PCCD and Final SASS, both reflecting the disbursement date XX/XX/XXXX. Thank you. - Buyer-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Final XXXXX.pdf XXXXX PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001290 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached Discover statement. This is to accompany the Credit Inquiry LOX, provided at pages 315 - 318 of the shipped loan package. Thank you. - Buyer-XX/XX/XXXX Open-Evidence to verify liability 5 listed on the loan application is missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX Stmt.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001294 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Mavent | Fees: Limited | Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see refund check, pccd and XXXXX to borrower. - Seller-XX/XX/XXXX Counter-Provide Letter of Explanation, Proof of Refund in the amount of $X,XXX.XX, Corrected PCCD, and Proof of Delivery to Borrower. A Principal reduction can be applied as well (LOX, verification the amount was applied, corrected PCCD). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please advise if this may be cured with a refund to the borrower. If so, please advise amount of refund and if it should be check to the borrower or applied as principal reduction. - Seller-XX/XX/XXXX Open-This loan contains in ($X,XXX.XX) in origination fees, which includes all fees paid to lender, excluding prepaid interest and impounds. Under the North Carolina Interest Provisions, on a junior lien loan less than $X,XXX.XX the lender may not charge origination fees exceeding 2% of the loan amount which is ($X,XXX.XX), when the total points and fees of $X,XXX.XX) charged to the borrower exceed ($X,XXX.XX), which is 3% of the total loan amount. (N.C. Gen. Stat. 24-10(g)) This loan contains in ($X,XXX.XX) in origination fees, which includes all fees paid to lender, excluding prepaid interest and impounds. Under the North Carolina Interest Provisions, on a junior lien loan less than $X,XXX.XX the lender may not charge origination fees exceeding 2% of the loan amount which is ($X,XXX.XX), when the total points and fees of ($X,XXX.XX) charged to the borrower exceed ($X,XXX.XX), which is 3% of the total loan amount. (N.C. Gen. Stat. 24-10(g)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see refund check, pccd and XXXXX to borrower. - Seller-XX/XX/XXXX Ready for Review-Please advise if this may be cured with a refund to the borrower. If so, please advise amount of refund and if it should be check to the borrower or applied as principal reduction. - Seller-XX/XX/XXXX |
Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX check.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||
| GCAT2026CES1001299 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001300 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided PCCD with disbursement date of XX/XX/XXXX, which is compliance with Right of Cancel. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the PCCD, which did not give the Borrower a full 3-days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided PCCD with disbursement date of XX/XX/XXXX, which is compliance with Right of Cancel. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
42-XXXXX XXXXX - PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001304 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001305 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-This finding is non-material and will be rated B for all agencies. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-ok - Due Diligence Vendor-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) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-This finding is non-material and will be rated B for all agencies. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-ok - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001308 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided PCCD with disbursement date of XX/XX/XXXX. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-PCCD received. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided PCCD with disbursement date of XX/XX/XXXX. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-PCCD received. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001308 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Owners not provided with 3 full business days to rescind transaction | Resolved-TX 50(a)(6) Violation: Owners not provided with 3 full business days to rescind transaction Lender provided PCCD to shows Disbursement date of XX/XX/XXXX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD - Buyer-XX/XX/XXXX Open-TX 50(a)(6) Violation: Owners not provided with 3 full business days to rescind transaction The rescission date was XX/XX/XXXX; per the final CD, the disbursement was also XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-TX 50(a)(6) Violation: Owners not provided with 3 full business days to rescind transaction Lender provided PCCD to shows Disbursement date of XX/XX/XXXX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001309 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Mavent | Fees: Limited | Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received Letter of Explanation, Proof of Refund in the amount of $X,XXX.XX, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached XXXXX-Check Image-PCCD. Thank you. - Seller-XX/XX/XXXX Counter-Provide Letter of Explanation, Proof of Refund in the amount of $X,XXX.XX, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-After consulting with our Compliance Team, it was determined that this item needs to be cured. Please advise the refund amount you have calculated. Thank you. - Buyer-XX/XX/XXXX Counter-Fees included are Discount Points $X,XXX.XX ($X,XXX.XX - $X,XXX.XX {bona fide}), Application Fee $X,XXX.XX, Origination Fee $XXX5, Tax Service Fee $XX, Wire Transfer Fee $X,XXX.XX, Title-Administrative Fee $X,XXX.XX, eRecording Fee $X,XXX.XX, and Settlement Fee $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Escalated-Escalated to Mavent on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please advise what fees are included in the $X,XXX.XX. Thank you. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan contains in ($X,XXX.XX) in origination fees, which includes all fees paid to lender, excluding prepaid interest and impounds. Under the North Carolina Interest Provisions, on a junior lien loan less than $X,XXX.XX the lender may not charge origination fees exceeding 2% of the loan amount which is ($X,XXX.XX), when the total points and fees of ($X,XXX.XX) charged to the borrower exceed ($X,XXX.XX), which is 3% of the total loan amount. (N.C. Gen. Stat. 24-10(g)) . - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached XXXXX-Check Image-PCCD. Thank you. - Seller-XX/XX/XXXX Ready for Review-Please advise what fees are included in the $X,XXX.XX. Thank you. - Seller-XX/XX/XXXX |
Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received Letter of Explanation, Proof of Refund in the amount of $X,XXX.XX, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - Check Image- PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||
| GCAT2026CES1001309 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Lox for evidence of "Other" monthly payment from the final 1003 received. $X,XXX.XX included in first mortgage PITI. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the UW Housing Breakdown. Thank you. - Buyer-XX/XX/XXXX Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing evidence of "Other" monthly payment from the final 1003. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Lox for evidence of "Other" monthly payment from the final 1003 received. $X,XXX.XX included in first mortgage PITI. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001309 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lox for evidence of "Other" monthly payment from the final 1003 received. $X,XXX.XX included in first mortgage PITI. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the UW Housing Breakdown. Thank you. - Buyer-XX/XX/XXXX Open-Missing evidence of "Other" monthly payment from the final 1003. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lox for evidence of "Other" monthly payment from the final 1003 received. $X,XXX.XX included in first mortgage PITI. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001312 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001315 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001317 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Trade line count does not meet program requirements | Waived- A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged- - Due Diligence Vendor-XX/XX/XXXX Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXX EXCEPTION APPROVAL - TRADELINES - Buyer-XX/XX/XXXX Counter-Lender provided exception for insufficient tradelines, however not valid due LTV shows 15% vs Audit 15.96%-and CLTV/HTLV 31% vs Audit 31.27% over exception maximum DTI 17 vs Audit 16.19% FICO 780 vs 780, please resubmit to match LTV/CLTV/HLTV and DTI. condition remains - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXX EXCEPTION APPROVAL - TRADELINES - Buyer-XX/XX/XXXX Counter-The ECOA code reflects the Co-borrower as attached to the XXXXX account. The borrower is an authorized user. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Request a Re-review - After reviewing the credit report, an active account with XXXXX is reflected under both borrowers’ names, with the most recent activity dated XX/XX/XXXX. This account represents the borrower’s third open and active tradeline. - Buyer-XX/XX/XXXX Open-Guidelines, Section 12.7, requires each borrower to meet the minimum tradeline requirements when income is being used to qualify. The requirements are: 3 established open and active tradelines on the credit report; one account must be seasoned a minimum of 24 months; 1 with minimum $X,XXX.XX high credit balance and all active in the last 12 months. Borrower has only 2 active tradelines on the credit report (1 mortgage rating and 1 revolving account). No exception in file. - Due Diligence Vendor-XX/XX/XXXX |
Waived- A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX |
42-XXXXX XXXXX - Credit Report.pdf XXXXX XXXXX - XXXXX XXXXX XXXXX - XXXXX.pdf XXXXX XXXXX - XXXXX XXXXX XXXXX - XXXXX.pdf |
Compensating factors Max LTV/CLTV/HCLTV 15.96/31.027/31.027, Min credit score 780, Max DTI 16.19 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||
| GCAT2026CES1001319 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached PCCD and Final SASS, both reflecting disbursement date XX/XX/XXXX. Thank you. - Buyer-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Final XXXXX.pdf XXXXX PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001320 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved-Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Edit Delete - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - 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: Appraisal 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)). The Appraisal increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved-Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Edit Delete - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001320 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Resolved-received Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Edit Delete - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - 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: Appraisal 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)). The Loan Estimate, dated XX/XX/XXXX, reflects an Appraisal Fee of $15.00. The Final CD dated XX/XX/XXXX reflects an Appraisal Fee of $65.00. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved-received Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Edit Delete - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001325 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided PCCD with evidence of delivery of refund of 55.00 to the borrower. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-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: Inspection 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)). The Inspection Fee increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided PCCD with evidence of delivery of refund of 55.00 to the borrower. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001325 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided PCCD with evidence of delivery of refund of 55.00 to the borrower. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-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: Inspection 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)). Initial CD dated XX/XX/XXXX reflects an Inspection Fee of $X,XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided PCCD with evidence of delivery of refund of 55.00 to the borrower. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001327 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Mavent | Fees: Limited | Acknowledged- Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received letter of Explanation, Proof of Refund in the amount of $X,XXX.XX, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached XXXXX-Check Image-PCCD. Thank you. - Buyer-XX/XX/XXXX Counter-Provide Letter of Explanation, Proof of Refund in the amount of $X,XXX.XX, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-After consulting with our Compliance Team, it was determined that this item needs to be cured. Please advise the refund amount you have calculated. Thank you. - Buyer-XX/XX/XXXX Counter-Loan origination fees include. Discount points $XXXXX, Application fee $X,XXX.XX Origination fee $XXX, Tax service fee $XX and Wire fee of $X,XXX.XX. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please advise which fees are included. Thank you. - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan contains in ($X,XXX.XX) in origination fees, which includes all fees paid to lender, excluding prepaid interest and impounds. Under the North Carolina Interest Provisions, on a junior lien loan less than $X,XXX.XX the lender may not charge origination fees exceeding 2% of the loan amount which is ($X,XXX.XX), when the total points and fees of ($X,XXX.XX) charged to the borrower exceed ($X,XXX.XX), which is 3% of the total loan amount. (N.C. Gen. Stat. 24-10(g)) Not testing State on these loans - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged- Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received letter of Explanation, Proof of Refund in the amount of $X,XXX.XX, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | |||||
| GCAT2026CES1001328 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-XX/XX/XXXX |
PATRIOT ACT XXXXX.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001328 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Missing documentation of 1st lien payment and balance. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001331 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Mavent | Fees: Limited | Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded refund check, pccd and XXXXX to borrower - Seller-XX/XX/XXXX Counter-Provide Letter of Explanation, Proof of Refund in the amount of $X,XXX.XX Corrected PCCD, and Proof of Delivery to Borrower. A Principal reduction can be applied as well (LOX, verification the amount was applied, corrected PCCD). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please advise the amount of refund required and if the funds are to be issued to the borrower or applied as principal reduction. - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan contains in ($X,XXX.XX) in origination fees, which includes all fees paid to lender, excluding prepaid interest and impounds. Under the XXXXX XXXXX Interest Provisions, on a junior lien loan less than $X,XXX.XX the lender may not charge origination fees exceeding 2% of the loan amount which is ($X,XXX.XX), when the total points and fees of ($X,XXX.XX) charged to the borrower exceed ($X,XXX.XX), which is 3% of the total loan amount. (N.C. Gen. Stat. 24-10(g)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded refund check, pccd and XXXXX to borrower - Seller-XX/XX/XXXX |
Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label - Due Diligence Vendor-XX/XX/XXXX |
XXXXX check.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||
| GCAT2026CES1001331 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements HOA dues document is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||||
| GCAT2026CES1001331 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for Primary Residence | Resolved-Documentation provided - cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HOA - Supporting Documentation - Buyer-XX/XX/XXXX Open-Missing Evidence of HOA Dues for Primary Residence HOA dues document is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - HOA - XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001333 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Second Home | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001342 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Security Instrument with all pages - Buyer-XX/XX/XXXX Counter-Document is missing page 2 - condition retained. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COMPLETE DEED OF TRUST - Buyer-XX/XX/XXXX Open-The Deed of Trust is Incomplete Deed of Trust in file is incomplete. It is missing page 2 of 17. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001345 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001348 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Lender provided monthly HOA fee of $X,XXX.XX for subject property. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HOA - Supporting Documentation - Buyer-XX/XX/XXXX Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Lender to provide supporting documentation evidencing HOA dues for subject property. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Lender provided monthly HOA fee of $X,XXX.XX for subject property. condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - HOA - XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001348 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for Primary Residence | Resolved-Lender provided monthly HOA fee of $X,XXX.XX for subject property. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HOA - Supporting Documentation - Buyer-XX/XX/XXXX Open-Missing Evidence of HOA Dues for Primary Residence Lender to provide supporting documentation evidencing HOA dues for subject property. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided monthly HOA fee of $X,XXX.XX for subject property. condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - HOA - XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001349 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. 2ND APPRAISAL - AVM - Buyer-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. Per lender guidelines, 2 AVMs may be used to determine value if both AVMs have an FSD score of 13 or less. The 2nd AVM reflects a low confidence score of 76 with a much higher FSD score of only 11. Provide a letter of explanation for the FSD score and an additional AVM supporting value with an FSD score of 13 or less. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX - XXXXX APPRAISAL.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001350 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||||
| GCAT2026CES1001352 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001353 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-Received verification the appraisal was received XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The updated Appraisal dated XX/XX/XXXX did not have any material revisions or change in value that warranted the report to be sent to the borrower. The change was occupancy changed to Tenant. Please advise. - Seller-XX/XX/XXXX Counter-Received verification the appraisal was received XX/XX/XXXX. The appraisal was signed XX/XX/XXXX. Provide evidence the most recent appraisal that was signed XX/XX/XXXX was provided to the borrower. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. DOCUMENTS UPLOADED - APPRAISAL VALUATION CERTS AND ACKNOWLEDGEMENT OF RECEIPT OF APPRAISAL AND/OR WRITTEN APPRAISAL DISCLOSURE - Seller-XX/XX/XXXX Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The updated Appraisal dated XX/XX/XXXX did not have any material revisions or change in value that warranted the report to be sent to the borrower. The change was occupancy changed to Tenant. Please advise. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. DOCUMENTS UPLOADED - APPRAISAL VALUATION CERTS AND ACKNOWLEDGEMENT OF RECEIPT OF APPRAISAL AND/OR WRITTEN APPRAISAL DISCLOSURE - Seller-XX/XX/XXXX |
Resolved-Received verification the appraisal was received XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX OF XXXXX OF APPRAISAL AND XXXXX XXXXX VALUATION DISCLOSURE.pdf XXXXX XXXXX - APPRAISAL VALUATION XXXXX XXXXX/XXXXX/XXXXX.pdf XXXXX XXXXX - APPRAISAL VALUATION XXXXX XXXXX/XXXXX/XXXXX.pdf |
XX | Investment | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001353 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CHANGE OF CIRCUMSTANCE AND CLOSING DISCLOSURE XX/XX/XXXX - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-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: Appraisal Fee, Appraisal 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)). The Appraisal Fee increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received COC. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX OF XXXXX AND CLOSING DISCLOSURE XXXXX/XXXXX/XXXXX.pdf | XX | Investment | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001353 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CHANGE OF CIRCUMSTANCE AND CLOSING DISCLOSURE XX/XX/XXXX - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-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: Appraisal Fee, Appraisal 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)). The Loan Estimate dated XX/XX/XXXX does not reflect an appraisal fee of $550. Final CD dated XX/XX/XXXX reflects an appraisal fee of $550. The loan file did not contain a valid COC to support the increase/addition. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CHANGE OF CIRCUMSTANCE AND CLOSING DISCLOSURE XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-Received COC. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX OF XXXXX AND CLOSING DISCLOSURE XXXXX/XXXXX/XXXXX.pdf | XX | Investment | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001354 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD correcting disbursement date attached. - Buyer-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
PCCD - XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001359 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Lender provided loan History for Jan to XX/XX/XXXX showing no late payments to meet guidelines. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. MORTGAGE LOAN HISTORY JAN - XX/XX/XXXX - Buyer-XX/XX/XXXX Open-ATR Risk - Credit History taken into consideration does not meet requirements Guidelines require a 0x30 housing history with no lates reflected in the prior 24 months. Credit report reflects a mortgage history of 0x30 for 57 months reviewed through XX/XX/XXXX. File contained a mortgage statement showing mortgage due for XX/XX/XXXX payment. Provide evidence of XX/XX/XXXX - XX/XX/XXXX satisfactory mortgage payment history. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided loan History for Jan to XX/XX/XXXX showing no late payments to meet guidelines. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - LOAN XXXXX XXXXX - XXXXX - XXXXX/XXXXX/XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001359 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Eligibility | 12 month mortgage history not within guidelines | Resolved-Lender provided loan History for Jan to XX/XX/XXXX showing no late payments to meet guidelines. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. MORTGAGE LOAN HISTORY JAN - XX/XX/XXXX - Buyer-XX/XX/XXXX Open-Guidelines require a 0x30 housing history with no lates reflected in the prior 24 months. Credit report reflects a mortgage history of 0x30 for 57 months reviewed through XX/XX/XXXX. File contained a mortgage statement showing mortgage due for XX/XX/XXXX payment. Provide evidence of XX/XX/XXXX - XX/XX/XXXX satisfactory mortgage payment history. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided loan History for Jan to XX/XX/XXXX showing no late payments to meet guidelines. condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - LOAN XXXXX XXXXX - XXXXX - XXXXX/XXXXX/XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001363 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing appraisal photos | Resolved-Property Inspection document provided. Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Counter-Property Condition with photos received. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXX PROPERTY INSPECTION REPORT - Buyer-XX/XX/XXXX Open-Appraisal Photos are missing: Property Condition report is missing photo images. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Property Inspection document provided. Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX INSPECTION REPORT.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001366 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review the attached Business Purpose Affidavit, which states that the borrower confirms that any loan proceeds are intended to be used and shall be used for business or commercial purposes only, and not for personal, family, or household purposes. Please advise if this will satisfy the condition. Thank you. - Buyer-XX/XX/XXXX Counter-Business purpose affidavit is needed due the borrower received cash back, and it needs to state for business purpose like repairs or renovations, not for personal use. condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please review pages 168 - 173 of the shipped loan package for the Business Purpose Affidavit. Thank you. - Buyer-XX/XX/XXXX Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Additional conditions will apply if the this is not a Business Purpose Loan. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX.pdf | XX | Investment | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001366 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-Lender provided info in response to Notice of Right to Receive a copy of Appraisal dated XX/XX/XXXX, one day after the application date. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please review page 15 of the shipped loan package for the Notice of Right to Receive a Copy of Written Appraisal/Valuation, dated XX/XX/XXXX, signed by the borrower the same date. Thank you. - Buyer-XX/XX/XXXX Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date of XX/XX/XXXX is not within three business days of Application Date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided info in response to Notice of Right to Receive a copy of Appraisal dated XX/XX/XXXX, one day after the application date. condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||||
| GCAT2026CES1001367 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Lender provided recorded fully executed Deed of Trust, which included PUD rider, condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. RE-RECORDED DOT WITH PUD RIDER - Buyer-XX/XX/XXXX Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided recorded fully executed Deed of Trust, which included PUD rider, condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX XXXXX WITH XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001368 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached signed closure letter. - Buyer-XX/XX/XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing signed HELOC closure letter. The HELOC closure letter in file is not signed. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - XXXXX letter XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001369 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | 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 - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please review pages 349–350 of the shipped loan package for the Active Duty Orders, as well as page $X,XXX.XX for the Leave and Earnings Statement (LES). It is my understanding that, for active-duty military borrowers, these documents may be acceptable in lieu of a verbal VOE, subject to investor requirements. Please advise how we can proceed. Thank you. - Buyer-XX/XX/XXXX Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXXXX | N/A | N/A | ||||||
| GCAT2026CES1001369 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached Security Instrument. Thank you. - Buyer-XX/XX/XXXX Open-The Deed of Trust is Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001370 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001371 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | 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 - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-ATR Risk - Credit History taken into consideration does not meet requirements Guidelines require a mortgage history for all properties reflecting 0x30x24 months. The credit report reflects subject 1st lien mortgage with 60 months reviewed through XX/XX/XXXX. File missing evidence of satisfactory XX/XX/XXXX mortgage payment. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001371 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Verification of Mortgage | Resolved-Received verification XX/XX/XXXX and XX/XX/XXXX payments were made. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Guidelines require a mortgage history for all properties reflecting 0x30x24 months. The credit report reflects subject 1st lien mortgage with 60 months reviewed through XX/XX/XXXX. File missing evidence of satisfactory XX/XX/XXXX mortgage payment. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received verification XX/XX/XXXX and XX/XX/XXXX payments were made. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001372 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided Post close CD with proof of refund and delivery to the borrower. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COPY OF REFUND CHECK TO BORROWER, PCCD AND XXXXX LABEL TO BORROWER - 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: Appraisal 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)). The Automated Value Model Fee increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided Post close CD with proof of refund and delivery to the borrower. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX XXXXX FOR XXXXX TO BORROWER.pdf XXXXX XXXXX - COPY OF XXXXX CHECK TO BORROWER.pdf XXXXX XXXXX - PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001372 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided Post close CD with proof of refund and delivery to the borrower. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COPY OF REFUND CHECK TO BORROWER, PCCD AND XXXXX LABEL TO BORROWER - 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: Appraisal 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)). The Loan Estimate, dated XX/XX/XXXX, does not reflect an Automated Value Model Fee. Final CD dated XX/XX/XXXX reflects an Automated Value Model Fee of $X,XXX.XX. The loan file did not contain a valid COC to support the increase/addition. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided Post close CD with proof of refund and delivery to the borrower. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX XXXXX FOR XXXXX TO BORROWER.pdf XXXXX XXXXX - COPY OF XXXXX CHECK TO BORROWER.pdf XXXXX XXXXX - PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001377 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Document Uploaded. Lender exception provided - condition acknowledged - Due Diligence Vendor-XX/XX/XXXX Open-AVMs are > 60 days from Note - Due Diligence Vendor-XX/XX/XXXX |
Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Document Uploaded. Lender exception provided - condition acknowledged - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - XXXXX XXXXX.pdf | Low LTV/CLTV, Excellent Housing Payment History | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||
| GCAT2026CES1001377 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-VVOE-FINAL received. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. VVOE-FINAL - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-VVOE-FINAL received. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX - Final.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001379 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached CDA. Thank you. - Buyer-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines require a collateral Desktop Analysis (CDA) when the CU or LCA is > 2.5. CU score is 2.6. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX CDA.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001379 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | |||||||
| GCAT2026CES1001379 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Resolved- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-S&P value equals C, junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-S&P value equals C, junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||||
| GCAT2026CES1001380 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) | Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) Title commitment lists the subject lender as the lender of the original mortgage paid at closing. Securitized Review: SFA Position - B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) Title commitment lists the subject lender as the lender of the original mortgage paid at closing. Securitized Review: SFA Position - B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001381 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing letter of explanation | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. ADDED COMMENT ON 1008 - The amount reflected under Other in PITI is the difference between the escrow payment on the mortgage statement and the actual taxes and insurance documented in file - Buyer-XX/XX/XXXX Open-The file is missing letter of explanation and supporting documentation to support the "Other" payment included in the Total PITI payment reflected on the 1008. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX 1008.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001383 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached revised Exception Approval. Thank you. - Buyer-XX/XX/XXXX Open-Guidelines require each borrower with qualifying income to meet the tradeline requirements: 3 open and active tradelines on the credit report; one must be seasoned a minimum of 24 months; all active in the last 12 months; 1 account with a minimum of $X,XXX.XX. Each borrower has only 1 tradeline. Lender provided an approved exception for the tradelines3 However, the max loan amount approved was $X,XXX.XX and the subject loan amount is $X,XXX.XX. Therefore, the exception is not valid. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX.pdf | Max loan amount: $X,XXX.XX, Max LTV/CLTV/HCLTV: XX/XX/XXXX, Credit score: 765, Max DTI/Min DSCR: 30. | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||
| GCAT2026CES1001383 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | 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 - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached revised Exception Approval. Thank you. - Buyer-XX/XX/XXXX Open-ATR Risk - Credit History taken into consideration does not meet requirements Guidelines require each borrower with qualifying income to meet the tradeline requirements of: 3 open and active tradelines on the credit report. One must be seasoned a minimum of 24 months; all active in the last 12 months; 1 account with a minimum of $X,XXX.XX. Each borrower has only 1 tradeline. Lender provided an approved exception for the tradelines; however, the max loan amount approved was $X,XXX.XX and the subject loan amount is $X,XXX.XX. Therefore, the exception is not valid. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001383 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached CDA. Thank you. - Seller-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines require a Collateral Desktop Analysis (CDA) when CU/LCA scores are not available. The subject property is a 2-unit property with no CU or LCA. No CDA in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached CDA. Thank you. - Seller-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX CDA.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001383 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached CDA. Thank you. - Buyer-XX/XX/XXXX Open-S&P value equals C, junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX CDA.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001384 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-LOX provided - Disbursement within GLs - condition cleared - Due Diligence Vendor-XX/XX/XXXX Open-o - Due Diligence Vendor-XX/XX/XXXX Counter-In this case, the right of rescission period starts on the signature date of XX/XX/XXXX. The expiration date on the form is XX/XX/XXXX and should be XX/XX/XXXX. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Upon review of the file, we disbursed this loan correctly. The loan closed on XX/XX/XXXX and disbursed on XX/XX/XXXX. - Buyer-XX/XX/XXXX Ready for Review-Please advise how this can be remedied. Thank you for any clarification you can provide. - Buyer-XX/XX/XXXX Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. This form was signed on XX/XX/XXXX. Based on the date the form was signed by the borrower, the NROTC form should have listed the transaction date as XX/XX/XXXX and the expiration date as XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-LOX provided - Disbursement within GLs - condition cleared - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||||
| GCAT2026CES1001387 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-TILA: Notice of Right to Cancel is provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-TILA: Notice of Right to Cancel is provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. NOTICE OF RIGHT TO CANCEL - Seller-XX/XX/XXXX Open-TILA: NORTC Missing for one or more borrowers/vested parties Missing the Right to Cancel. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. NOTICE OF RIGHT TO CANCEL - Seller-XX/XX/XXXX |
Resolved-TILA: Notice of Right to Cancel is provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-TILA: Notice of Right to Cancel is provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX OF XXXXX TO XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001387 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Owners not provided with 3 full business days to rescind transaction | Resolved-TILA: Notice of Right to Cancel is provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Documentation provided that clears TX 50 (a)(6) Violation for Owners not receiving 3 full business days to rescind transaction - Due Diligence Vendor-XX/XX/XXXX Open-TX 50(a)(6) Violation: Owners not provided with 3 full business days to rescind transaction - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. NOTICE OF RIGHT TO CANCEL - Buyer-XX/XX/XXXX Open-TX 50(a)(6) Violation: Owners not provided with 3 full business days to rescind transaction The Right to Cancel is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-TILA: Notice of Right to Cancel is provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Documentation provided that clears TX 50 (a)(6) Violation for Owners not receiving 3 full business days to rescind transaction - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX OF XXXXX TO XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001387 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX ACKNOWLEDGMENT REGARDING FAIR MARKET VALUE OF HOMESTEAD PROPERTY - Seller-XX/XX/XXXX Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender. The document in file is not signed by the Lender. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. TEXAS ACKNOWLEDGMENT REGARDING FAIR MARKET VALUE OF HOMESTEAD PROPERTY - Seller-XX/XX/XXXX |
Resolved-Evidence Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and Lender provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX OF XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001388 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Payment:1stPayment | XXXXX - Days to First Payment | Acknowledged-This finding is non-material and can be downgraded to EV2/B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This finding is non-material and can be downgraded to EV2/B. - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-There is no cure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Could you please advise what would be acceptable to resolve this condition? Thank you - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan includes a first payment date of (XX/XX/XXXX) and consummation date of (XX/XX/XXXX). The XXXXX Second Mortgage Loan Interest Provisions prohibit the days until first payment from exceeding 45 days. (Mo. Rev. Stat. 408.232.2) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Could you please advise what would be acceptable to resolve this condition? Thank you - Seller-XX/XX/XXXX |
Acknowledged-This finding is non-material and can be downgraded to EV2/B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This finding is non-material and can be downgraded to EV2/B. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | |||||
| GCAT2026CES1001388 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a XXXXX declared disaster area. Inspection post incident date was not provided | Resolved-Post incident inspection provided reporting no damage. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Post incident inspection provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached disaster inspection. Thank you. - Seller-XX/XX/XXXX Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached disaster inspection. Thank you. - Seller-XX/XX/XXXX |
Resolved-Post incident inspection provided reporting no damage. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Post incident inspection provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Disaster Inspection.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001389 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD WITH THE CORRECT LOAN CLOSED DATE - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3 days rescission. Provide letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-Open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001391 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. LOE FROM UW REGARDING ASSETS - Seller-XX/XX/XXXX Counter-Lender provided bank statement, which reflected a balance of XXXXX, there is still a shortage of XXXXX to cover XXXXX $X,XXX.XX. The XXXXX was part of origination process and shows updated balance which show have been reflected in DTI if it was not going to be paid off at closing. Provide sufficient funds to cover the balance. Additional conditions may apply upon receipt. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Statement shows balance of $X,XXX.XX which is enough to cover asset requirement. Per Guidelines the purpose of the pre-close/gap credit report is to address NEWLY opened accounts, inquiries and derogs. This is not a newly opened account. - Buyer-XX/XX/XXXX Open-Audited Assets of $-3625.41 are less than Guideline Required Assets of $0. The Gap Credit Report in file, dated XX/XX/XXXX, shows a balance of $X,XXX.XX as of 03/26 for the Open 30-day Account to XXXXX. Provide sufficient funds to cover the balance. The cash proceeds were only $X,XXX.XX. Additional conditions may apply upon receipt. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. LOE FROM UW REGARDING ASSETS - Seller-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - ASSET STATEMENT.pdf XXXXX XXXXX - LOE XXXXX XXXXX XXXXX ASSETS.pdf |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001391 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. LOE FROM UW REGARDING ASSETS - Seller-XX/XX/XXXX Counter-Total Qualified Assets for Reserves Post-Close of $XXXXX is less than Total Required Reserve Amount of $0 Lender provided bank statement, which reflected a balance of XXXXX, there is still a shortage of XXXXX to cover XXXXX $X,XXX.XX. The XXXXX was part of origination process and shows updated balance which show have been reflected in DTI if it was not going to be paid off at closing. Provide sufficient funds to cover the balance. Additional conditions may apply upon receipt. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Statement shows balance of $X,XXX.XX which is enough to cover asset requirement. Per Guidelines the purpose of the pre-close/gap credit report is to address NEWLY opened accounts, inquiries and derogs. This is not a newly opened account. - Buyer-XX/XX/XXXX Open-Total Qualified Assets for Reserves Post-Close of $-XXXXX is less than Total Required Reserve Amount of $0 The Gap Credit Report in file, dated XX/XX/XXXX, shows a balance of $X,XXX.XX as of 03/26 for the Open 30-day Account to XXXXX. Provide sufficient funds to cover the balance. The cash proceeds were only $X,XXX.XX. Additional conditions may apply upon receipt. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. LOE FROM UW REGARDING ASSETS - Seller-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - ASSET STATEMENT.pdf XXXXX XXXXX - LOE XXXXX XXXXX XXXXX ASSETS.pdf |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001391 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Open-Asset Qualification Does Not Meet Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. LOE FROM UW REGARDING ASSETS - Seller-XX/XX/XXXX Counter-Asset Qualification Does Not Meet Guideline Requirements Lender provided bank statement, which reflected a balance of XXXX, there is still a shortage of XXXX to cover XXXXX $X,XXX.XX. The XXXXX was part of origination process and shows updated balance which show have been reflected in DTI if it was not going to be paid off at closing. Provide sufficient funds to cover the balance. Additional conditions may apply upon receipt. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Statement shows balance of $X,XXX.XX which is enough to cover asset requirement. Per Guidelines the purpose of the pre-close/gap credit report is to address NEWLY opened accounts, inquiries and derogs. This is not a newly opened account. - Seller-XX/XX/XXXX Open-Asset Qualification Does Not Meet Guideline Requirements The Gap Credit Report in file, dated XX/XX/XXXX, shows a balance of $X,XXX.XX as of 03/26 for the Open 30-day Account to XXXXX. Provide sufficient funds to cover the balance. The cash proceeds were only $X,XXX.XX. Additional conditions may apply upon receipt. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. LOE FROM UW REGARDING ASSETS - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Statement shows balance of $X,XXX.XX which is enough to cover asset requirement. Per Guidelines the purpose of the pre-close/gap credit report is to address NEWLY opened accounts, inquiries and derogs. This is not a newly opened account. - Seller-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - ASSET STATEMENT.pdf XXXXX XXXXX - LOE XXXXX XXXXX XXXXX ASSETS.pdf |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001391 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD - CORRECTING THE LOAN CLOSING DATE MATCHING THE FINAL SASS - Buyer-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD received. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001391 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Lender provided payoff statement with Line of credit payoff affidavit, condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PAYOFF STATEMENT AND BORROWER AUTH TO CLOSE HELOC ON SUBJECT PROPERTY XXXXXL - Seller-XX/XX/XXXX Open-Missing Payoff Statement for prior loan. Provide payoff statement for 2nd lien to XXXXX being paid off with proceeds. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PAYOFF STATEMENT AND BORROWER AUTH TO CLOSE HELOC ON SUBJECT PROPERTYXXXX XXXXXX - Seller-XX/XX/XXXX |
Resolved-Lender provided payoff statement with Line of credit payoff affidavit, condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX XXXXX XXXXX TO XXXXX XXXXX.pdf XXXXX XXXXX - XXXXX XXXXX STATEMENT XXXXX.pdf |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001391 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | HELOC Closure Letter Not Provided | Resolved-Lender provided payoff statement with Line of credit payoff affidavit, condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PAYOFF AFFIDAVIT OF LOC SUBJECT PROPERTY - XXXXX - Seller-XX/XX/XXXX Open-The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. The 2nd lien being paid with proceeds was a HELOC. Provide closure letter signed by borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PAYOFF AFFIDAVIT OF LOC SUBJECT PROPERTY - XXXX XXXXXX - Seller-XX/XX/XXXX |
Resolved-Lender provided payoff statement with Line of credit payoff affidavit, condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX XXXXX XXXXX TO XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001393 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-The Deed of Trust is Missing in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001399 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached Payoff. Thank you. - Buyer-XX/XX/XXXX Open-Missing Payoff Statement for prior loan. File is a closed end second. Payoff Statement for Fifth Third unsecured lien is not in the file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001401 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-Resolved - Provided PCCD reflecting the title fees in the correct section, Section C. - Due Diligence Vendor-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: (Settlement or Closing Fee). 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)). - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached PCCD reflecting the title fees in the correct section, Section C. Thank you. - 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: (Settlement or Closing Fee). 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)). The Initial Loan Estimate reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% tolerance fees reflected on the Final CD total $X,XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.: - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Provided PCCD reflecting the title fees in the correct section, Section C. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001401 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-Resolved - Provided PCCD reflecting the title fees in the correct section, Section C. - Due Diligence Vendor-XX/XX/XXXX Open-The total amount of the 10% category fees ($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: (Settlement or Closing Fee). 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)). - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached PCCD reflecting the title fees in the correct section, Section C. Thank you. - 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: (Settlement or Closing Fee). 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)). The Initial Loan Estimate, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% tolerance fees reflected on the Final CD total $X,XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.: - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached PCCD reflecting the title fees in the correct section, Section C. Thank you. - Seller-XX/XX/XXXX |
Resolved-Resolved - Provided PCCD reflecting the title fees in the correct section, Section C. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001403 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided PCCD/SASS to shows disbursement date of XX/XX/XXXX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see that attached PCCD and Final SASS, both reflecting disbursement date XX/XX/XXXX. Thank you. - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided PCCD/SASS to shows disbursement date of XX/XX/XXXX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Final XXXXX.pdf XXXXX PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001408 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see econsent provided on 3-3. Prior disclosures were wet signed as borrower requested a meeting with LO to meet in person. - Buyer-XX/XX/XXXX Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001412 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Payment:1stPayment | XXXXX - Days to First Payment | Acknowledged-This finding is non-material ans can be downgraded to EV2/B per Vetting Compliance Fails - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan includes a first payment date of (XX/XX/XXXX) and consummation date of (XX/XX/XXXX). The XXXXX Second Mortgage Loan Interest Provisions prohibit the days until first payment from exceeding 45 days. (Mo. Rev. Stat. 408.232.2) This finding is non-material ans can be downgraded to EV2/B per Vetting Compliance Fails - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-This finding is non-material ans can be downgraded to EV2/B per Vetting Compliance Fails - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan includes a first payment date of (XX/XX/XXXX) and consummation date of (XX/XX/XXXX). The XXXXX Second Mortgage Loan Interest Provisions prohibit the days until first payment from exceeding 45 days. (Mo. Rev. Stat. 408.232.2) This finding is non-material ans can be downgraded to EV2/B per Vetting Compliance Fails - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||||
| GCAT2026CES1001413 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Mavent | MO Fee Not Allowed- Tax Related Service Fee (Fee ID: 107) | Resolved-Resolved - Corrected Copy of Closing Disclosure & Proof of Delivery to Borrower, reflecting Refund amount has been provided. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Provide refund to cure. Please provide Letter of Explanation, Corrected PCCD, and Proof of Delivery to Borrower. Please provide copy of check once available and condition will be Cured and downgraded. Condition maintained. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Hello, We agree this is an error. Is a borrower refund the resolution that is required? - Seller-XX/XX/XXXX Open-The XXXXX Second Mortgage Loan Interest Act (Mo. Rev. Stat. 408.233) does not allow Tax Related Service Fee (Fee ID: 107) to be charged to the Borrower in MO. This fee is paid to Lender in Section A. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Hello, We agree this is an error. Is a borrower refund the resolution that is required? - Seller-XX/XX/XXXX |
Resolved-Resolved - Corrected Copy of Closing Disclosure & Proof of Delivery to Borrower, reflecting Refund amount has been provided. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001413 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Payment:1stPayment | XXXXX - Days to First Payment | Acknowledged-This finding is non-material and can be downgraded to EV2/B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This finding is non-material and can be downgraded to EV2/B. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan includes a first payment date of (XX/XX/XXXX) and consummation date of (XX/XX/XXXX). The XXXXX Second Mortgage Loan Interest Provisions prohibit the days until first payment from exceeding 45 days. (Mo. Rev. Stat. 408.232.2) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-This finding is non-material and can be downgraded to EV2/B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This finding is non-material and can be downgraded to EV2/B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan includes a first payment date of (XX/XX/XXXX) and consummation date of (XX/XX/XXXX). The XXXXX Second Mortgage Loan Interest Provisions prohibit the days until first payment from exceeding 45 days. (Mo. Rev. Stat. 408.232.2) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||||
| GCAT2026CES1001413 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Mavent | MO Fee Not Allowed- Flood Certification Fee (Fee ID: 102) | Resolved-Lender provided PCCD with evidence of delivery of refund of 30.50 to the borrower. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-The XXXXX Second Mortgage Loan Interest Act (Mo. Rev. Stat. Section 408.233) does not allow Flood Certification Fee (Fee ID: 102) to be charged to the Borrower in MO. Invalid finding. Rescinded. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided PCCD with evidence of delivery of refund of 30.50 to the borrower. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Rescinded-The XXXXX Second Mortgage Loan Interest Act (Mo. Rev. Stat. Section 408.233) does not allow Flood Certification Fee (Fee ID: 102) to be charged to the Borrower in MO. Invalid finding. Rescinded. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||||
| GCAT2026CES1001414 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Payment:1stPayment | XXXXX - Days to First Payment | Acknowledged-This loan includes a first payment date of (XX/XX/XXXX) and consummation date of (XX/XX/XXXX). The XXXXX Second Mortgage Loan Interest Provisions prohibit the days until first payment from exceeding 45 days. (Mo. Rev. Stat. 408.232.2) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-This loan includes a first payment date of (XX/XX/XXXX) and consummation date of (XX/XX/XXXX). The XXXXX Second Mortgage Loan Interest Provisions prohibit the days until first payment from exceeding 45 days. (Mo. Rev. Stat. 408.232.2) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001418 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | 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. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001419 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Trade line count does not meet program requirements | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Acknowledged- - Due Diligence Vendor-XX/XX/XXXX Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Guidelines, Section 12.7, requires 3 open and active tradelines on the credit report; 1 must be 24 months; all active in last 12 months and 1 with minimum $X,XXX.XX. B2 has only 2 tradelines. The 1008 comments stated see exception. No exception in file. - Due Diligence Vendor-XX/XX/XXXX |
Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX.pdf | Lender exception for number of trade lines. Comp factors of LTV/CLTV/HCLTV: XX/XX/XXXX/ Min credit score 759 and Max DTI 44 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||
| GCAT2026CES1001421 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved- Evidence of Insurance for property 3b located in file uploads. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please review page 559 of the shipped loan package for the HOI for Insured Location 16791 Perdido Key Dr Unit 203 Pensacola, FL 32507-9399. Thank you. - Buyer-XX/XX/XXXX Open-Missing Evidence of Insurance for property 3b as disclosed on the Final 1003. Additional conditions may apply upon receipt of the missing documentation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- Evidence of Insurance for property 3b located in file uploads. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||||
| GCAT2026CES1001423 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Title | Property Title Issue | Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The UCC referenced in Schedule B.II.12 secures personal property and as such is not insured. - Buyer-XX/XX/XXXX Open-Property Title Issue The file is missing evidence that the UCC Financing statement filed XX/XX/XXXX (Doc #29430934 on Sch B part II #12) does not adversely impact the subject property or lien position. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||||
| GCAT2026CES1001425 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Advised to Ack/Inv PC - Due Diligence Vendor-XX/XX/XXXX | 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. Advised to Ack/Inv PC - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001426 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | 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 - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001426 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | 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 - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001427 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Cured | 2 - Non-Material | Compliance | Mavent | HighCost: Fees | Cured- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD, COPY OF REFUND CHECK TO BORROWER AND XXXXX LABEL FOR DELIVERY TO BORROWER - Seller-XX/XX/XXXX Counter-Refund of $X,XXX.XX would be sufficient. Please provide Letter of Explanation, Corrected PCCD, and Proof of Delivery to Borrower. Please provide copy of check once available and condition will be Cured and downgraded. Condition maintained. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please advise if a refund to the borrower in the amount of $X,XXX.XX is acceptable to cure suspense. - Seller-XX/XX/XXXX Counter-The itemized fees are as follows: Loan Discount Fee: $X,XXX.XX + Loan Origination Fee: $348.10 + Wire Transfer Fee: $X,XXX.XX + Closing Protection Letter: $X,XXX.XX + Electronic Document Delivery Fee: $X,XXX.XX + Settlement or Closing Fee: $X,XXX.XX + Document Assembly Fee: $X,XXX.XX = Total Fees: $X,XXX.XX. Regarding the regulatory rebuttal, the threshold in 209 CMR 32.32(1)(a)(2) (5% of the total loan amount) does not apply here because this is a low balance loan. For XXXX, any loan under $X,XXX.XX follows specific low balance triggers. Under the Massachusetts Predatory Home Loan Practices Act (M.G.L. c. 183C) the points and fees limit for this tier is not purely percentage based. For loans under the $X,XXX.XX threshold, Massachusetts Predatory Home Loan Practices Act establishes a statutory fee cap of $X,XXX.XX (or 8% of the loan amount, whichever is lower). Since $X,XXX.XX is the lower figure, it serves as the absolute ceiling for this $X,XXX.XX loan. Because the current fees of $X,XXX.XX exceed this $X,XXX.XX Massachusetts Predatory Home Loan Practices Act limit, the loan is triggering the high cost Mavent fail. - Due Diligence Vendor-XX/XX/XXXX Escalated-Escalated for further review. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. LETTER OF EXPLANATION REGARDING MA HIGH-COST FEE LIMIT - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The loan fees ($X,XXX.XX) exceed the (MANew) High Cost fee limit, which is ($X,XXX.XX), the difference is ($X,XXX.XX). . - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD, COPY OF REFUND CHECK TO BORROWER AND XXXXX LABEL FOR DELIVERY TO BORROWER - Seller-XX/XX/XXXX Ready for Review-Please advise if a refund to the borrower in the amount of $X,XXX.XX is acceptable to cure suspense. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. LETTER OF EXPLANATION REGARDING MA HIGH-COST FEE LIMIT - Seller-XX/XX/XXXX |
Acknowledged-Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - LOE XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX.pdf XXXXX XXXXX - XXXXX XXXXX FOR XXXXX CHECK TO BORROWER.pdf XXXXX XXXXX - COPY OF XXXXX CHECK TO BORROWER.pdf XXXXX XXXXX - PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001429 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. E CONSENT FOR BORROWERS FROM THEIR PREVIOUS LOAN APPLICATION THAT THEY CANCELLED TIED TO INITIAL APPRAISAL DATE FOR THE SAME PROPERTY. BORROWERS STARTED A PRIOR APPLICATION WITH THIS APPRAISAL THAN CANCELLED. BORROWERS REACHED BACK OUT TO START A NEW APPLICATION AND THIS APPRAISAL WAS STILL VALID AND USED FOR THIS LOAN. PLEASE ADVISE. - Buyer-XX/XX/XXXX Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Appraisal is dated XX/XX/XXXX which is prior to this transaction application date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - E XXXXX XXXXX/XXXXX/XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001431 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached XXXXX - Check Image - PCCD, refunding the borrower for the AVM Fee. Thank you. - Buyer-XX/XX/XXXX Counter-The 2055 was reviewed. The initial finding comments left out the fact that an AVM was ordered (invoice in file and fee charged on final CD). Provide the AVM or a refund for the fee. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please review pages 47-78 of the shipped loan package for the Exterior-Only Appraisal (Form 2055). Could you also advise where in the guidelines it states that a secondary valuation is required in addition to the Exterior-Only Appraisal (Form 2055)? Thank you for your assistance. - Buyer-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines require an AVM supporting value when XXXXX and XXXXX UCDP scores are "unavailable". - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - Check Image - PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001433 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Provided COC document dated - XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached COC issued XX/XX/XXXX. 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: Appraisal 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)). The Loan Estimate, dated XX/XX/XXXX, reflects an Appraisal Review Fee of $X,XXX.XX. Final CD dated XX/XX/XXXX reflects an Appraisal Review Fee of $X,XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Tolerance cure of $X,XXX.XX to be provided within 60 days of discovery. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Provided COC document dated - XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX/XXXXX/XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001433 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Received COC. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached COC issued XX/XX/XXXX. Thank you. - 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: Appraisal 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)). The Loan Estimate, dated XX/XX/XXXX, reflects an Appraisal Review Fee of $X,XXX.XX. Final CD dated XX/XX/XXXX reflects an Appraisal Review Fee of $X,XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Tolerance cure of $X,XXX.XX to be provided within 60 days of discovery. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received COC. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX/XXXXX/XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001434 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing appraisal photos | Resolved-Received PCI with photos. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Property Inspection Report - Buyer-XX/XX/XXXX Open-Appraisal Photos are missing: Property Condition Inspection missing photos. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received PCI with photos. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX Inspection Report.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001436 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Total Qualified Assets for Reserves Post-Close of XXXXX is equal to or greater than Total Required Reserve Amount of $XXXXX- Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached 401K statement for reserves. Thank you. - Buyer-XX/XX/XXXX Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXXX The guidelines require 3 months PITIA for CLTV > 80%. The CLTV on the subject transaction is 82.14%. Assets were not found in file and the guidelines do not allow for the loan proceeds to be used for reserves. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Total Qualified Assets for Reserves Post-Close of $95717.26 is equal to or greater than Total Required Reserve Amount of $XXXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX 401K XXXXX/XXXXX/XXXXX 31.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001436 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited Reserves of 36.88 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached 401K statement for reserves. Thank you. - Buyer-XX/XX/XXXX Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) The guidelines require 3 months PITIA for CLTV > 80%. The CLTV on the subject transaction is 82.14%. Assets were not found in file and the guidelines do not allow for the loan proceeds to be used for reserves. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited Reserves of 36.88 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX 401K XXXXX/XXXXX/XXXXX 31.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001440 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-XX/XX/XXXX Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Mortgage Riders – PUD Rider Missing PUD Rider. Appraisal and property report indicate that subject is located in a PUD and includes a monthly HOA fee. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-XX/XX/XXXX Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001440 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines require an AVM if the UCDP scores are greater than 2.5. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
CDA.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001440 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Extended replacement cost email from Insurance Co provided. Missing the premium amount. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided Hazard Insurance Policy does not include the premium amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX.pdf XXXXX Insurance.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001440 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | 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 - Due Diligence Vendor-XX/XX/XXXX Resolved-Received replacement cost coverage amount. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-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 The hazard insurance policy in file reflected dwelling coverage of $X,XXX.XX. The loan amount is $X,XXX.XX + the 1st lien UPB of $X,XXX.XX which leaves a shortage of hazard insurance coverage. Lender guidelines indicate to follow XXXXX guidelines which requires that dwelling coverage must be either 100% of the replacement cost value of the improvement or the unpaid principal balance of the loan(s), provided it equals no less than 80% of the replacement cost value of the improvements. Although the file did not contain a replacement cost estimator, 80% of the total estimate cost new per the appraisal is $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document 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 - Due Diligence Vendor-XX/XX/XXXX Resolved-Received replacement cost coverage amount. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001440 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Subordination Agreement | Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Counter-Received an email that appears to be missing a Title Endorsement attachment. Subordination agreements are required for the 2nd and 3rd liens. The loan approval in file also required subordination agreements. The Final Title showing correct lien positions can also be provided. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Subordination agreement for Borrower's existing second mortgage lien not provided. Missing Subordination Agreement for the 3rd lien secured by subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX IN XXXXX OF XXXXX.pdf Final XXXXX--for final XXXXX.pdf XXXXX XXXXX #20--XXXXX XXXXX Loan Policy of Title XXXXX (XXXXX/XXXXX/XXXXX)(1)-XXXXX_0.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001445 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-Lender provided Final SASS and PCCD, reflecting the recording fees of $X,XXX.XX, so COC needed. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided Final SASS and PCCD, reflecting the recording fees of $X,XXX.XX, so COC needed. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached Final SASS and PCCD, reflecting the recording fees of $X,XXX.XX. Thank you. - Buyer-XX/XX/XXXX Open-The total amount of the 10% category fees on the last Closing Disclosure ($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)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $X,XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided Final SASS and PCCD, reflecting the recording fees of $X,XXX.XX, so COC needed. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided Final SASS and PCCD, reflecting the recording fees of $X,XXX.XX, so COC needed. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Final XXXXX.pdf XXXXX PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001445 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-Lender provided Final SASS and PCCD, reflecting the recording fees of $X,XXX.XX, so COC needed. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached Final SASS and PCCD, reflecting the recording fees of $X,XXX.XX. Thank you. - Seller-XX/XX/XXXX Open-The Recording Fee-Mortgage/Deed of Trust increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached Final SASS and PCCD, reflecting the recording fees of $X,XXX.XX. Thank you. - Seller-XX/XX/XXXX |
Resolved-Lender provided Final SASS and PCCD, reflecting the recording fees of $X,XXX.XX, so COC needed. condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Final XXXXX.pdf XXXXX PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXXXX | N/A | N/A | ||||
| GCAT2026CES1001445 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached Final SASS and PCCD, reflecting the recording fees of $X,XXX.XX. Thank you. - Buyer-XX/XX/XXXX Open-The total amount of the 10% category fees ($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)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $X,XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Final XXXXX.pdf XXXXX PCCD.pdf |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001446 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
PCCD.PDF | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001447 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-lender provided post close CD to show correct disbursement date. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-lender provided post close CD to show correct disbursement date. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001450 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | 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. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001452 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Acknowledged-Received LOX, copy of refund check, PCCD and shipping label. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Counter-The $X,XXX.XX Property inspection fee was added to Section A XX/XX/XXXX and the $X,XXX.XX AVM fee was added XX/XX/XXXX to Section B. Both are zero tolerance sections/charges that cannot increase. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Hello, we don't feel a refund is warranted because the Property Inspection Fee is an unlimited tolerance fee, so is not factored into 10% tolerance. We are within the 10% tolerance for the Automated Value Model Fee. - 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: Inspection Fee, Appraisal 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)). The Loan Estimate, dated XX/XX/XXXX, did not reflect an Inspection Fee in Section A or an AVM fee in Section B. The Final CD dated XX/XX/XXXX reflects an Inspection Fee of $X,XXX.XX and an AVM Fee of $X,XXX.XX. The loan file did not contain a valid COC to support the increases. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Received LOX, copy of refund check, PCCD and shipping label. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | |||||
| GCAT2026CES1001452 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Acknowledged- Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The $X,XXX.XX Property inspection fee was added to Section A XX/XX/XXXX and the $X,XXX.XX AVM fee was added XX/XX/XXXX to Section B. Both are zero tolerance sections/charges that cannot increase. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Hello, we don't feel a refund is warranted because the Property Inspection Fee is an unlimited tolerance fee, so is not factored into 10% tolerance. We are within the 10% tolerance for the Automated Value Model Fee. - 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: Inspection Fee, Appraisal 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)). The Inspection Fee increased on the LE dated XX/XX/XXXX without a valid COC. No Cure. The AVM Fee increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Hello, we don't feel a refund is warranted because the Property Inspection Fee is an unlimited tolerance fee, so is not factored into 10% tolerance. We are within the 10% tolerance for the Automated Value Model Fee. - Seller-XX/XX/XXXX |
Acknowledged- Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and shipping label. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||
| GCAT2026CES1001453 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. After consulting with the UW, it was explained that final PITIA payment 1324.36 based off estimated tax assessment. Final ratios: 162 debts from credit + XXXXX PITIA new rental + XXXXX PITIA subject / XXXXX= 45.03%. Please see the attached Final SASS, first payment letter and revised final 1008 to match finalized ratio. Thank you. - Buyer-XX/XX/XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements REO 3b of the final 1003 reflects PITIA payment of -$X,XXX.XX. Preliminary CD in file reflects PITIA of $X,XXX.XX. Please provide final, fully executed CD confirming final figures including any HOA fees, if applicable. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Final XXXXX XXXXX W XXXXX S.pdf XXXXX XXXXX 1008.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001453 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received confirmation of payment amount. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. After consulting with the UW, it was explained that final PITIA payment 1324.36 based off estimated tax assessment. Final ratios: 162 debts from credit + XXXXX PITIA new rental + XXXXX PITIA subject / 7496= 45.03%. Please see the attached Final SASS, first payment letter and revised final 1008 to match finalized ratio. Thank you. - Buyer-XX/XX/XXXX Open-REO 3b of the final 1003 reflects PITIA payment of -$X,XXX.XX. Preliminary CD in file reflects PITIA of $X,XXX.XX. Please provide final, fully executed CD confirming final figures including any HOA fees, if applicable. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received confirmation of payment amount. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Final XXXXX XXXXX W XXXXX S.pdf XXXXX XXXXX 1008.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001453 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | 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. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001456 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | 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. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. The file is missing the Collateral Desktop Analysis (CDA) that is required when a full appraisal is ordered and the XXXXX UCDP score is greater than 2.5. The CU score is 2.6. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX CDA.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001457 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing appraisal photos | Resolved- Lender provided PCI with photos. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PROPERTY CONDITIONS INSPECTION REPORT - Buyer-XX/XX/XXXX Open-Appraisal Photos are missing: Property Condition Inspection photos not provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- Lender provided PCI with photos. condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX XXXXX INSPECTION REPORT.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001458 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Toan Estimate and The List of Settlement Service Providers Disclosure XX/XX/XXXX - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-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. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - Loan XXXXX and The XXXXX of XXXXX XXXXX XXXXX Disclosure XXXXX/XXXXX/XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001458 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-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) This finding is non-material and will be rated a B for all agencies.. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-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) This finding is non-material and will be rated a B for all agencies.. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| GCAT2026CES1001460 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided initial CD. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached Initial CD. Thank you. - 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)) Initial CD reflects Date Issued of XX/XX/XXXX. Borrower acknowledged receipt of initial C.D. on XX/XX/XXXX which is less than 3 business days prior to consummation. No Cure. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided initial CD. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Initial CD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001461 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-XXXXX Grace period for renewal - condition cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. B1 photo id is expired - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XXXXX Grace period for renewal - condition cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX OF XXXXX XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001462 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided recorded copy of PUD rider for subject property. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. RECORDED PUD RIDER - Buyer-XX/XX/XXXX Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided recorded copy of PUD rider for subject property. condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001467 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. BORROWERS DRIVERS LICENSE - Buyer-XX/XX/XXXX Open-Missing Borrower Identification - Borrower 2. The driver's license in file is not legible. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower Identification - Borrower 2 provided. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX - XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001467 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. BORROWERS DRIVERS LICENSE - Buyer-XX/XX/XXXX Open-Missing Borrower Identification - Borrower 1. The driver's license in file is not legible. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower Identification - Borrower 1 provided. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXX - XXXXX XXXXX XXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| GCAT2026CES1001468 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Acknowledged-Received LOX, copy of refund check, PCCD and proof of delivery. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached XXXXX - Check Image - PCCD, reflecting refund to the borrower in the amount of $X,XXX.XX. Thank you. - Buyer-XX/XX/XXXX Counter-A valid COC needs to provide the reason that the fees increased. The COC in file only states that the fees increased and/or were added. The loan file did not contain a valid COC to support the increase or addition of any of the fees. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The Initial CD was issued XX/XX/XXXX, provided at pages 124 - 130 of the shipped loan package, with the COC letter provided at page 130. Please review and advise how we can proceed. Thank you for your assistance. - Seller-XX/XX/XXXX Open-The total amount of the 10% category fees on the last Closing Disclosure ($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: (Title Endorsement Fee, Lender’s Title Policy, Settlement or Closing Fee, Closing Protection Letter, Electronic Document Delivery Fee, Recording Service Fee, Recording Service Fee). 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)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $X,XXX.XX. The loan file did not contain a valid COC to support the increase or addition of any of the fees. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The Initial CD was issued XX/XX/XXXX, provided at pages 124 - 130 of the shipped loan package, with the COC letter provided at page 130. Please review and advise how we can proceed. Thank you for your assistance. - Seller-XX/XX/XXXX |
Acknowledged-Received LOX, copy of refund check, PCCD and proof of delivery. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - Check Image - PCCD.pdf | XX | Investment | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||
| GCAT2026CES1001468 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Acknowledged-Received LOX, copy of refund check, PCCD and proof of delivery. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached XXXXX - Check Image - PCCD, reflecting refund to the borrower in the amount of $X,XXX.XX. Thank you. - Seller-XX/XX/XXXX Counter-A valid COC needs to provide the reason that the fees increased. The COC in file only states that the fees increased and/or were added. The loan file did not contain a valid COC to support the increase or addition of any of the fees. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The Initial CD was issued XX/XX/XXXX, provided at pages 124 - 130 of the shipped loan package, with the COC letter provided at page 130. Please review and advise how we can proceed. Thank you for your assistance. - Buyer-XX/XX/XXXX Open-The total amount of the 10% category fees ($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: (Title Endorsement Fee, Lender’s Title Policy, Settlement or Closing Fee, Closing Protection Letter, Electronic Document Delivery Fee, Recording Service Fee, Recording Service Fee). 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)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $X,XXX.XX. The loan file did not contain a valid COC to support the increase or addition of any of the fees. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached XXXXX - Check Image - PCCD, reflecting refund to the borrower in the amount of $X,XXX.XX. Thank you. - Seller-XX/XX/XXXX |
Acknowledged-Received LOX, copy of refund check, PCCD and proof of delivery. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX Cured-Received LOX, copy of refund check, PCCD and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - Check Image - PCCD.pdf | XX | Investment | Refinance | Cash Out - Other | XXXXXXXXX | Originator Post-Close | No | ||||
| GCAT2026CES1001476 | XXXXX | XXXXXXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | 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. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No |