| ALT ID | Loan ID | Seller | 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? |
| 1000668653 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Open-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-RESPA: IEADS Required - Missing RESPA: IEADS is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Acknowledged-RESPA: IEADS Required - Missing RESPA: IEADS is Missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX ieads.pdf | NV | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| 1000668659 | XXXXXXX | XXXXX | 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-The lender provided the required documentation. 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. CREDIT REPORT - Buyer-XX/XX/XXXX Open-ATR Risk - Credit History taken into consideration does not meet requirements credit report provided is not legible. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The lender provided the required documentation. 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 - Credit Report.pdf | TX | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| 1000668659 | XXXXXXX | XXXXX | 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-The lender provided the required documentation. Condition 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. CREDIT REPORT - Seller-XX/XX/XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Credit report is not legible. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CREDIT REPORT - Seller-XX/XX/XXXX |
Resolved-The lender provided the required documentation. Condition 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 XXXXX - Credit Report.pdf | TX | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | ||||
| 1000668659 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CREDIT REPORT - Buyer-XX/XX/XXXX Open-Borrower 1 Credit Report is Missing. The credit report provided in the loan file is not legible. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - Credit Report.pdf | TX | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| 1000707761 | XXXXXXX | XXXXX | 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-Received verification the borrower is a joint account holder for asset #2 therefore sufficient assets have been verified for cash to close and reserves. - Due Diligence Vendor-XX/XX/XXXX Resolved-Total Qualified Assets for Reserves Post-Close of $160189.02 is equal to or greater than Total Required Reserve Amount of $87544.68 - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached VOD, confirming joint ownership of XXXXX acct XXXXX. Thank you. - Buyer-XX/XX/XXXX Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $87544.68 The statement in file for asset #2 from final application is in non-borrowing spouse's name only and is not reflected as a joint account therefore not considered. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received verification the borrower is a joint account holder for asset #2 therefore sufficient assets have been verified for cash to close and reserves. - Due Diligence Vendor-XX/XX/XXXX Resolved-Total Qualified Assets for Reserves Post-Close of $160189.02 is equal to or greater than Total Required Reserve Amount of $87544.68 - Due Diligence Vendor-XX/XX/XXXX |
XXXXX VOD joint ownership.pdf | HI | Investment | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| 1000707761 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received verification the borrower is a joint account holder for asset #2 therefore sufficient assets have been verified for cash to close and reserves. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited Reserves of 21.96 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached VOD, confirming joint ownership of XXXXX acct XXXXX. Thank you. - Seller-XX/XX/XXXX Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) Audited Reserves of 0 months are less than Guideline Required Reserves of 12 months for inexperienced investor. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached VOD, confirming joint ownership of XXXXX acct XXXXX. Thank you. - Seller-XX/XX/XXXX |
Resolved-Received verification the borrower is a joint account holder for asset #2 therefore sufficient assets have been verified for cash to close and reserves. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited Reserves of 21.96 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXX VOD joint ownership.pdf | HI | Investment | Purchase | NA | XXXXXXXXX | N/A | N/A | ||||
| 1000707761 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Received verification the borrower is a joint account holder for asset #2 therefore sufficient assets have been verified for cash to close and reserves. - Due Diligence Vendor-XX/XX/XXXX Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Also, please see the attached VOD, confirming joint ownership of XXXXX acct XXXXX. Thank you. - Buyer-XX/XX/XXXX Ready for Review-Please review page 83 of the shipped loan package, which includes the XXXXX account ending in XXXXX. The transaction history reflects the Earnest Money Deposit (EMD) withdrawals, including draft numbers XXXXXXXXX and XXXXXXXXX, which correspond with the copies of the EMD checks provided on page 157. Thank you. - Seller-XX/XX/XXXX Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets 6,069.76 less cash to close of $373,702.8 and less unverified EMD $X,XXX.XX results in -$X,XXX.XX shortage of funds to close. The statement in file for asset #2 from final application is in non-borrowing spouse's name only and is not reflected as a joint account therefore not considered. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please review page 83 of the shipped loan package, which includes the XXXXX account ending in XXXXX. The transaction history reflects the Earnest Money Deposit (EMD) withdrawals, including draft numbers XXXXXXXXX and XXXXXXXXX, which correspond with the copies of the EMD checks provided on page 157. Thank you. - Seller-XX/XX/XXXX |
Resolved-Received verification the borrower is a joint account holder for asset #2 therefore sufficient assets have been verified for cash to close and reserves. - Due Diligence Vendor-XX/XX/XXXX Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX VOD joint ownership.pdf | HI | Investment | Purchase | NA | XXXXXXXXX | N/A | N/A | ||||
| 1000668663 | XXXXXXX | XXXXX | 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 |
MD | Primary Residence | Purchase | NA | XXXXXXXXX | Investor Post-Close | No | ||||||
| 1000668665 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Closed XXXXX - documentation in file - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXXX does not send borrower clerical revisions on the Appraisal. - 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 |
TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXXXX | N/A | N/A | |||||||
| 1000668665 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached IEADs. Thank you. - Buyer-XX/XX/XXXX Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXX IEADS.pdf | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXXXX | N/A | N/A | |||||
| 1000668667 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see ieads. - Buyer-XX/XX/XXXX Open-RESPA: IEADS Required - Missing Initial Escrow disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXX ieads.pdf | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXXXX | N/A | N/A | |||||
| 1000668669 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. This finding is non-material and will be rated a B grade. - Due Diligence Vendor-XX/XX/XXXX Resolved-PCCD with tolerance cure, XXXXX-Check received. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved- - 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-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: Doc Tax Stamps/Transfer Taxes – City/County. 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)). - 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 |
Cured-Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. This finding is non-material and will be rated a B grade. - Due Diligence Vendor-XX/XX/XXXX Resolved-PCCD with tolerance cure, XXXXX-Check received. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX -Check Image- PCCD.pdf | IN | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| 1000668669 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Cured-Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. This finding is non-material and will be rated a B grade. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-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. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Cured-Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. This finding is non-material and will be rated a B grade. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
IN | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | ||||||
| 1000668669 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. This finding is non-material and will be rated a B grade. - Due Diligence Vendor-XX/XX/XXXX Resolved- - 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-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: Doc Tax Stamps/Transfer Taxes – City/County. 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)). - 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 |
Cured-Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. This finding is non-material and will be rated a B grade. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX -Check Image- PCCD.pdf | IN | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| 1000668669 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Cured-Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. This finding is non-material and will be rated a B grade. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-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. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Cured-Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. This finding is non-material and will be rated a B grade. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
IN | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | ||||||
| 1000668671 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded ieads. - Buyer-XX/XX/XXXX Open-RESPA: IEADS Required - Missing IEADS is missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXX ieads.pdf | FL | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| 1000668675 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Resolved-Finding Cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Finding Cleared. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Finding Cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Finding Cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Open- - 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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Finding Cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Finding Cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Finding Cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Finding Cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - 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. - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXXXX | N/A | N/A | ||||||
| 1000668685 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. IEADS - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - Initial Escrow Acct Discl Stmt.pdf | FL | Second Home | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| 1000668685 | XXXXXXX | XXXXX | 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 |
FL | Second Home | Purchase | NA | XXXXXXXXX | Investor Post-Close | No | ||||||
| 1000668689 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Received initial escrow account disclosure. Finding Resolved. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Document Uploaded. - Buyer-XX/XX/XXXX Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received initial escrow account disclosure. Finding Resolved. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Document Uploaded. - Buyer-XX/XX/XXXX Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - XXXXX - Initial Escrow Acct Discl Stmt.pdf | AK | Investment | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| 1000668689 | XXXXXXX | XXXXX | 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-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Credit Report received. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The credit report in file is not legible - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Credit Report received. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
Credit Report.pdf | AK | Investment | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||
| 1000668689 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Document Uploaded. - Buyer-XX/XX/XXXX Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. The appraisal was delivered to the Borrower on XX/XX/XXXX, which was prior to the appraiser signature date of XX/XX/XXXX. The appraisal is not considered completed until the signature date and should not be provided to the borrower until after that date. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Document Uploaded. - Buyer-XX/XX/XXXX Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. The appraisal was delivered to the Borrower on XX/XX/XXXX, which was prior to the appraiser signature date of XX/XX/XXXX. The appraisal is not considered completed until the signature date and should not be provided to the borrower until after that date. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
INITIAL APPRAISAL.pdf | AK | Investment | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| 1000668689 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower 1 Credit Report received. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Borrower 1 Credit Report is Partially Present. The credit report in file is not legible. Provide full legible credit report. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower 1 Credit Report received. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
Credit Report.pdf | AK | Investment | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| 1000668691 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA in file dated XX/XX/XXXX - condition cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXXX does not send borrower clerical revisions on the Appraisal. - 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-ECOA in file dated XX/XX/XXXX - condition cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-XX/XX/XXXX |
RI | Investment | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | ||||||
| 1000668647 | XXXXXXX | XXXXX | 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 |
CA | Primary Residence | Purchase | NA | XXXXXXXXX | Investor Post-Close | No | ||||||
| 1000668695 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-XX/XX/XXXX Open-RESPA: IEADS Required - Missing 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 Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXX IEADS.pdf | CA | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| 1000668699 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached corrected Patriot Act and Borrower Identification. It appears that the issue date on the ID was originally input, rather than the expiration date. Thank you. - Buyer-XX/XX/XXXX Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. The Patriot Act form in file indicates Borrower's State issued Driver License expiration date was XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Borrower ID.pdf XXXXX Corrected Patriot Act Complete.pdf |
CO | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| 1000668699 | XXXXXXX | XXXXX | 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 |
CO | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXX | Investor Post-Close | No | ||||||
| 1000668701 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-Lender provided - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXXX does not send borrower clerical revisions on the Appraisal. - 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-Lender provided - cleared - Due Diligence Vendor-XX/XX/XXXX |
NV | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | ||||||
| 1000668701 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-XX/XX/XXXX Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXX IEADS.pdf | NV | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| 1000708112 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Loan amount of $X,XXX.XX is less than guideline minimum loan amount $100,000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Loan amount of $X,XXX.XX is less than guideline minimum loan amount $100,000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX |
820 FICO 2.133% DSCR 30.94% LTV Experienced investor |
UT | Investment | Purchase | NA | XXXXXXXXX | Originator Pre-Close | Yes | |||||
| 1000708116 | XXXXXXX | XXXXX | 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-PDI received - cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached disaster inspection. Thank you. - Buyer-XX/XX/XXXX Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PDI received - cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Disaster Inspection.pdf | HI | Investment | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| 1000707372 | XXXXXXX | XXXXX | 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. - Buyer-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Secondary Valuation Document - 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 | UT | Investment | Refinance | Cash Out - Other | XXXXXXXXX | N/A | N/A | |||||
| 1000668705 | XXXXXXX | XXXXX | 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-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Legible credit report received. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report uploaded, appears to be complete. Please advise what might be missing. - Buyer-XX/XX/XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Credit report in file is not legible. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Legible credit report received. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX credit report.pdf | OR | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| 1000668705 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-RESPA: IEADS Required - Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Acknowledged-RESPA: IEADS Required - Missing - Due Diligence Vendor-XX/XX/XXXX |
OR | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | ||||||
| 1000668705 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Legible credit report received. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see full credit report, please advise what might be missing - Buyer-XX/XX/XXXX Open-Borrower 1 Credit Report is Partially Present. Credit report in file is not legible. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Legible credit report received. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX credit report.pdf | OR | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A | |||||
| 1000668707 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Legible credit report received. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded credit report, appears to be complete. Please advise what is missing. - Buyer-XX/XX/XXXX Open-Borrower 1 Credit Report is Partially Present. Credit report in file is not legible. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Legible credit report received. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Credit Report.pdf | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXXXX | N/A | N/A | |||||
| 1000668707 | XXXXXXX | XXXXX | 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 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXXXX | Investor Post-Close | No | ||||||
| 1000668711 | XXXXXXX | XXXXX | Closed | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Master Insurance Policy | Resolved-Documentation provided - condition cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached Master Policy. Thank you. - Buyer-XX/XX/XXXX Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Master Policy.pdf | MO | Primary Residence | Purchase | NA | XXXXXXXXX | N/A | N/A |