MFRA NQM DEPOSITOR, LLC ABS-15G
Exhibit 99.06 - Schedule 3
| Loan ID | Redacted ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| xxx | 87422 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| xxx | 87759 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xxx | 87420 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-02-05 17:54 | 2026-02-09 12:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Resolved - xxx - Latest 2 Month Bank Statements received for additional asset verification. - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. We provided xxx in assets xxx shows xxx as of xxx xxx coming from other account used xxx which shows xxx posted as transfers to xxx and xxx shows xxx balance as of xxx. Please clear condition. - Seller-02/06/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 3 Total asset available at the time of review xxx while total required assets are xxx having an shortage of assets . Please provide the assets. - Due Diligence Vendor-02/05/2026 |
Ready for Review-Document Uploaded. We provided xxx in assets xxx shows xxx as of xxx coming from other account used xxx which shows xxx posted as transfers to xxx. Please clear condition. - Seller-02/06/2026 |
Resolved-Resolved - xxx - Latest 2 Month Bank Statements received for additional asset verification. - Due Diligence Vendor-02/09/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.09 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.87% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.09 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 7478480 | |||
| xxx | 87420 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-02-05 17:43 | 2026-02-09 12:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Resolved - xxx - Asset 2 two Month Consecutive Bank Documents Received. - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Borrower provided xxx and xxx statement for xxx and over 2 mo transaction history for same account showing xxx as of xxx. Please clear condition. - Seller-02/06/2026 Open-Asset 2 Missing Asset 2 document is missing account xxx. We require most recent 2 consecutive month bank statement. - Due Diligence Vendor-02/05/2026 |
Ready for Review-Document Uploaded. Borrower provided xxx statement for xxx and over 2 mo transaction history for same account showing xxx. Please clear condition. - Seller-02/06/2026 |
Resolved-Resolved - xxx - Asset 2 two Month Consecutive Bank Documents Received. - Due Diligence Vendor-02/09/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.09 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.87% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.09 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 7478246 | |||
| xxx | 87420 | D | A | D | A | A | A | A | A | Closed | FCRE1455 | 2026-02-05 17:43 | 2026-02-09 12:46 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Resolved - xxx - Asset 1 two Month Consecutive Bank Documents Received. - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Borrower provided xxx statement for xxx and over 2 mo transaction history for same account showing xxx as of xxx. Please clear condition - Seller-02/06/2026 Open-Asset 1 Less Than 2 Months Verified As per guidelines , we require most recent two consecutive month bank statement. - Due Diligence Vendor-02/05/2026 |
Ready for Review-Document Uploaded. Borrower provided xxx statement for xxx and over 2 mo transaction history for same account showing xxx as of xxx. Please clear condition - Seller-02/06/2026 |
Resolved-Resolved - xxx - Asset 1 two Month Consecutive Bank Documents Received. - Due Diligence Vendor-02/09/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.09 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.87% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.09 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 7478245 | |||
| xxx | 87822 | D | A | A | A | D | A | A | A | Closed | finding-3367 | 2026-02-10 07:47 | 2026-02-10 07:58 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved- - Due Diligence Vendor-02/10/2026 Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-02/10/2026 |
Resolved- - Due Diligence Vendor-02/10/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.32 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.02 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.83 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7532569 | |||||
| xxx | 87822 | D | A | A | A | D | A | A | A | Closed | finding-3652 | 2026-02-10 07:47 | 2026-02-10 07:58 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - Due Diligence Vendor-02/10/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/10/2026 |
Resolved- - Due Diligence Vendor-02/10/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.32 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.02 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.83 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7532568 | |||||
| xxx | 87822 | D | A | A | A | D | A | A | A | Closed | finding-3540 | 2026-02-10 07:47 | 2026-02-10 07:57 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved- - Due Diligence Vendor-02/10/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-02/10/2026 |
Resolved- - Due Diligence Vendor-02/10/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.32 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.02 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.83 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7532567 | |||||
| xxx | 87822 | D | A | A | A | D | A | A | A | Closed | FCOM1797 | 2026-02-06 13:44 | 2026-02-10 07:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Resolved xxx Received Service Provider List and exception was cleared. - Due Diligence Vendor-02/10/2026 Ready for Review-Sent initial signed disclosures in other condition :) - Seller-02/09/2026 Open-Service Provider List is Missing - Due Diligence Vendor-02/06/2026 |
Ready for Review-Sent initial signed disclosures in other condition :) - Seller-02/09/2026 |
Resolved-Resolved xxx: Received Service Provider List and exception was cleared. - Due Diligence Vendor-02/10/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.32 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.02 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.83 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7494929 | ||||
| xxx | 87822 | D | A | A | A | D | A | A | A | Closed | FCOM4227 | 2026-02-06 13:44 | 2026-02-10 07:55 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 02/10/2026: Received Initial Loan Estimate and exception was cleared. - Due Diligence Vendor-02/10/2026 Ready for Review-Document Uploaded. - Seller-02/09/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. - Seller-02/09/2026 |
Resolved-Resolved xxx: Received Initial Loan Estimate and exception was cleared. - Due Diligence Vendor-02/10/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.32 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.02 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.83 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Disclosures - Initial Signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7494925 | |||
| xxx | 88178 | D | B | D | B | A | A | A | A | Closed | FCRE7497 | 2026-03-03 01:13 | 2026-03-04 15:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-03/04/2026; Resolved HOA amount provided from xxx - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. - Seller-03/04/2026 Open-Missing HOA Assessment for xxx property for primary housing expenses - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. - Seller-03/04/2026 |
Resolved-xxx; Resolved HOA amount provided from xxx - Due Diligence Vendor-03/04/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.11 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 7888238 | |||
| xxx | 88178 | D | B | D | B | A | A | A | A | Closed | FCRE1167 | 2026-03-03 00:17 | 2026-03-04 15:11 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-03/04/2026 Resolved. A replacement cost estimator was provided for xxx - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. - Seller-03/04/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. - Seller-03/04/2026 |
Resolved-xxx Resolved. A replacement cost estimator was provided for xxx - Due Diligence Vendor-03/04/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.11 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Insurance Cost Estimator.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 7887848 | |||
| xxx | 88178 | D | B | D | B | A | A | A | A | Closed | FCRE1492 | 2026-03-04 05:31 | 2026-03-04 05:31 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out Does Not Meet Guideline Requirements Listing Seasoning - Due Diligence Vendor-03/04/2026 | Waived-Cash Out Does Not Meet Guideline Requirements Listing Seasoning - Due Diligence Vendor-03/04/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.11 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
* LTV 10% below max * DTI 10% below max * 5+ years on job/self-employed * Ancillary/rental income not used for qualifying * 5+ years established credit history * No adverse credit event history |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 7913174 | ||||
| xxx | 87854 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| xxx | 88188 | D | A | D | A | C | A | A | A | Closed | finding-47 | 2026-03-13 09:29 | 2026-03-20 08:48 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved xxx: Received PCCD with funding date xxx and exception was cleared. - Due Diligence Vendor-03/20/2026 Resolved- - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Seller-03/19/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ****The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-03/13/2026 Open- - Due Diligence Vendor-03/13/2026 Open- - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document Uploaded. - Seller-03/19/2026 |
Resolved-Resolved xxx: Received xxx with funding date xxx and exception was cleared. - Due Diligence Vendor-03/20/2026 Resolved- - Due Diligence Vendor-03/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.52% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.05 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.26 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.05 Years |
FSS.pdf PCCD.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8093815 | |||
| xxx | 88188 | D | A | D | A | C | A | A | A | Closed | finding-3634 | 2026-03-20 08:42 | 2026-03-20 08:46 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-03/20/2026 Resolved- - Due Diligence Vendor-03/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/20/2026 |
Resolved- - Due Diligence Vendor-03/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.52% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.05 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.26 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.05 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8233858 | |||||
| xxx | 88188 | D | A | D | A | C | A | A | A | Closed | finding-3631 | 2026-03-20 08:42 | 2026-03-20 08:46 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-03/20/2026 Resolved- - Due Diligence Vendor-03/20/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/20/2026 |
Resolved- - Due Diligence Vendor-03/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.52% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.05 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.26 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.05 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8233859 | |||||
| xxx | 88188 | D | A | D | A | C | A | A | A | Closed | finding-3632 | 2026-03-20 08:42 | 2026-03-20 08:46 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-03/20/2026 Resolved- - Due Diligence Vendor-03/20/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/20/2026 |
Resolved- - Due Diligence Vendor-03/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.52% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.05 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.26 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.05 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8233860 | |||||
| xxx | 88188 | D | A | D | A | C | A | A | A | Closed | FCRE7497 | 2026-03-13 05:21 | 2026-03-19 10:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-xxx: Received taxes hoi not required non subject that is paid off. - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. This was provided in the clp :) - Seller-03/16/2026 Counter-xxx: Not resolved. Need proof of the taxes for xxx - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Property is xxx and letter in file from borrower indicated there is no insurance on property. Reuploaded letter. Please review and clear condition. - Seller-03/13/2026 Open-Hazard Insurance is missing for Address xxx. - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document Uploaded. This was provided in the clp :) - Seller-03/16/2026 Ready for Review-Document Uploaded. Property is xxx and letter in file from borrower indicated there is no insurance on property. Reuploaded letter. Please review and clear condition. - Seller-03/13/2026 |
Resolved-xxx: Received taxes hoi not required non subject that is paid off. - Due Diligence Vendor-03/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.52% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.05 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.26 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.05 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8088498 | |||
| xxx | 88188 | D | A | D | A | C | A | A | A | Closed | FCRE5790 | 2026-03-12 12:57 | 2026-03-16 10:55 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved xxx: ResolvedGap report provided dated xxx - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. - Seller-03/13/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. - Seller-03/13/2026 |
Resolved-xxx: ResolvedGap report provided dated xxx - Due Diligence Vendor-03/16/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.52% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.05 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.26 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.05 Years |
Refresh Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8076029 | |||
| xxx | 88214 | B | B | B | B | A | A | A | A | Closed | FCRE1437 | 2026-03-23 09:33 | 2026-03-23 09:33 | Waived | 2 - Non-Material | B | B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Requesting exception to consider CPA supported expense ratio of 10% - Due Diligence Vendor-03/23/2026 | Waived-Income and Employment Do Not Meet Guidelines Requesting exception to consider CPA supported expense ratio of 10% - Due Diligence Vendor-03/23/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.13 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 11 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.12 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 52.38% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More |
* Residual Income-xxx * LTV-43.659-Program Max 65% |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8263160 | ||||
| xxx | 88185 | D | A | A | A | D | A | A | A | Closed | FCOM1512 | 2026-03-30 08:49 | 2026-03-31 12:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-Resolved xxx: Received Final Settlement Statement and exception was cleared. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. - Seller-03/31/2026 Open-Provide Settlement statement for the subject property "xxx And xxx" with Executed Copy. - Due Diligence Vendor-03/30/2026 |
Ready for Review-Document Uploaded. - Seller-03/31/2026 |
Resolved-Resolvedxxx: Received Final Settlement Statement and exception was cleared. - Due Diligence Vendor-03/31/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.78 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.24 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.23 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.24 Years |
fss.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 8381790 | |||
| xxx | 88207 | D | B | D | B | A | A | A | A | Closed | FCRE1193 | 2026-03-26 16:37 | 2026-04-03 11:09 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Exception approval attached for DTI over 50% along with corrected 1003/1008 correcting income. Please review and clear condition. - Seller-04/02/2026 Counter-xxx: Countered. Nothing provided for review. Please provide documents for income calculations of all businesses.xxx Counter: xxx (xxx), total 12-month deposits are xxx. Considering 40% ownership and a 50% expense factor, the qualifying income is xxx, while the final 1003/1008 considered xxx Based on the interest only period, the DTI is 46.90%, and after 10 years, the DTI is 52.33%, resulting in a DTI above 50%. - Due Diligence Vendor-04/02/2026 Ready for Review-Please provide breakdown of difference in income from UW for Bor 1 business xxx - Seller-03/31/2026 Open-Audited DTI of 52.33% exceeds Guideline DTI of 50% DTI exceeds 50% due to borrower income 1 lender used xxx but as per our calulation qualified income is xxx. - Due Diligence Vendor-03/26/2026 |
Ready for Review-Document Uploaded. Exception approval attached for DTI over 50% along with corrected 1003/1008 correcting income. Please review and clear condition. - Seller-04/02/2026 Ready for Review-Please provide breakdown of difference in income from UW for Bor 1 business xxx - Seller-03/31/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.33 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.13 Years |
Comp Factors: BUSINESS OWNER OF MULTIPLE BAR/RESTAURANTS OVER 13 YRS FOR 3 OF THEM PERFECT CREDIT INCLUDING MTG W/OLDEST TRADE 7/93 AND MTG xxx CREDIT SCORE 56 POINTS ABOVE MINIMUM xxx DISPOSABLE INCOME LTV 6% BELOW MAXIMUM 2 MONTHS’ RESERVES ABOVE MINIMUM |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 8346533 | |||
| xxx | 88207 | D | B | D | B | A | A | A | A | Closed | FCRE1201 | 2026-03-26 13:56 | 2026-04-01 11:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-xxx: Resolved. Received Loansafe fraud manager report - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. - Seller-03/31/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/26/2026 |
Ready for Review-Document Uploaded. - Seller-03/31/2026 |
Resolved-xxx: Resolved. Received XXXX fraud manager report - Due Diligence Vendor-04/01/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.33 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.13 Years |
LoanSafeFraudManager.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8340901 | |||
| xxx | 88606 | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2026-04-06 11:34 | 2026-05-01 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-xxx: Resolved. Current lease has a month to month clause after expiration - Due Diligence Vendor-05/01/2026 Ready for Review-Per leases section 2b they turned mo to mo. No new lease on any of the units. Please clear condition. - Seller-04/30/2026 Open-Lease agreement expired for property xxx xxx xxx . xxx . Please provide the updated lease - Due Diligence Vendor-04/06/2026 |
Ready for Review-Per leases section 2b they turned mo to mo. No new lease on any of the units. Please clear condition. - Seller-04/30/2026 |
Resolved-xxx: Resolved. Current lease has a month to month clause after expiration - Due Diligence Vendor-05/01/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.67 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.78% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8502459 | ||||
| xxx | 88586 | B | B | B | B | A | A | A | A | Closed | FCRE1200 | 2026-04-10 03:26 | 2026-04-10 03:26 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of is less than the Guideline Minimum Loan Amount of xxx * Requesting to proceed with exception for loan amount < minimum requirement of xxx - Due Diligence Vendor-04/10/2026 | Waived-Audited Loan Amount of is less than the Guideline Minimum Loan Amount of xxx * Requesting to proceed with exception for loan amount < minimum requirement of xxx - Due Diligence Vendor-04/10/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.25 Years |
* Scenario Pre-flighted with xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8588460 | ||||
| xxx | 88680 | D | A | D | A | A | A | A | A | Closed | FCRE1470 | 2026-04-10 14:03 | 2026-04-15 08:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-xxx Resolved. Asset 4 was removed from 1003 and 1008. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. xxx failed to remove gift from 1003 as there are no gift funds. Attached are corrected 1003/1008. Please clear condition. - Seller-04/14/2026 Open-Asset 4 Missing Proof of the gift amount is currently missing and has been requested. - Due Diligence Vendor-04/10/2026 |
Ready for Review-Document Uploaded. UW failed to remove gift from 1003 as there are no gift funds. Attached are corrected 1003/1008. Please clear condition. - Seller-04/14/2026 |
Resolved-xxx: Resolved. Asset 4 was removed from 1003 and 1008. - Due Diligence Vendor-04/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8600231 | |||
| xxx | 88684 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| xxx | 88364 | D | A | A | A | D | A | A | A | Closed | FCOM1511 | 2026-04-14 09:49 | 2026-04-21 11:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-xxx: Resolved. Received settlement statement. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. - Seller-04/15/2026 Open-Settlement Statement page 1 of 2 is missing for the subject property "xxx". - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. - Seller-04/15/2026 |
Resolved-xxx: Resolved. Received settlement statement. - Due Diligence Vendor-04/21/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 8650061 | |||
| xxx | 88610 | D | A | A | A | D | A | A | A | Closed | FCOM1252 | 2026-04-14 13:01 | 2026-04-16 15:15 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Resolved xxx: Received Locked LE dated xxx and exception is cleared. Received TRID disclosures history. - Due Diligence Vendor-04/16/2026 Open-*** Documentation provided does not contain the Revised Loan Estimate. Please provide complete TRID disclosure history and all TRID disclosure (LE &CDs) together with all associated changed circumstance detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/14/2026 |
Resolved-Resolved xxx: Received Locked LE dated xxx and exception is cleared. Received TRID disclosures history. - Due Diligence Vendor-04/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.97 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.75 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8656574 | |||||
| xxx | 88610 | D | A | A | A | D | A | A | A | Closed | finding-3939 | 2026-04-14 13:02 | 2026-04-16 15:14 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Resolved xxx: Received Locked LE dated xxx and exception is cleared. - Due Diligence Vendor-04/16/2026 Resolved- - Due Diligence Vendor-04/16/2026 Resolved- - Due Diligence Vendor-04/16/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx, xxx and xxx. Missing Locked LE dated xxx *** Locked TRID disclosure is missing. A Locked loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business day after loan is locked. - Due Diligence Vendor-04/15/2026 Open- - Due Diligence Vendor-04/15/2026 Open- - Due Diligence Vendor-04/14/2026 |
Resolved-Resolved xxx: Received Locked LE dated xxx and exception is cleared. - Due Diligence Vendor-04/16/2026 Resolved- - Due Diligence Vendor-04/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.97 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.75 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8656582 | |||||
| xxx | 88610 | D | A | A | A | D | A | A | A | Closed | FCOM1477 | 2026-04-14 12:57 | 2026-04-16 15:13 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Resolved xxx: Received Locked LE dated xxx and exception is cleared. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/15/2026 Open-Missing Locked LE dated xxx *** Locked TRID disclosure is missing. A Locked loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business day after loan is locked. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document Uploaded. - Seller-04/15/2026 |
Resolved-Resolved xxx: Received Locked LE dated xxx and exception is cleared. - Due Diligence Vendor-04/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.97 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.75 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8656484 | |||
| xxx | 88615 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xxx | 88674 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| xxx | 88756 | D | A | A | A | D | A | A | A | Closed | finding-3634 | 2026-04-16 10:39 | 2026-04-22 10:38 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Resolved xxx: Received PCCD dated xxx with refund check amount xxx and exception is cleared. - Due Diligence Vendor-04/21/2026 Resolved- - Due Diligence Vendor-04/21/2026 Resolved- - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. - Seller-04/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Loan Failed Charges that cannot increase failure with the variance of xxx due to the increase in the Funding, Wire, or Disbursement Fee from the Initial LE dated xxx & RLE dated xxx xxx to the initial CD dated xxx, Revised CD dated xxx & Final CD dated xxx fee disclosed as xxx, however no COC addressing the failure, kindly provide cure of xxx or COC addressing the change. - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. - Seller-04/20/2026 |
Resolved-Resolved xxx: Received PCCD dated xxx with refund check amountxxx and exception is cleared. - Due Diligence Vendor-04/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.12 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 760 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8705935 | |||
| xxx | 88756 | D | A | A | A | D | A | A | A | Closed | FCOM1477 | 2026-04-16 10:46 | 2026-04-22 10:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Resolved xxx: Received Locked Revised Loan Estimate dated xxx and exception was cleared. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. - Seller-04/21/2026 Open-We have a lock confirmation dated xxx and a Loan Estimate dated xxx that is not locked. Please provide the locked Loan Estimate dated xxx. - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. - Seller-04/21/2026 |
Resolved-Resolved xxx: Received Locked Revised Loan Estimate dated xxx and exception was cleared. - Due Diligence Vendor-04/22/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.12 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 760 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8706100 | |||
| xxx | 88756 | D | A | A | A | D | A | A | A | Closed | finding-3632 | 2026-04-16 10:39 | 2026-04-21 13:22 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved xxx: Received PCCD dated xxx with refund check amount xxx and exception is cleared. - Due Diligence Vendor-04/21/2026 Resolved- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 |
Resolved-Resolved xxx: Received PCCD dated xxx with refund check amount xxx and exception is cleared. - Due Diligence Vendor-04/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.12 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 760 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8705937 | |||||
| xxx | 88756 | D | A | A | A | D | A | A | A | Closed | finding-3631 | 2026-04-16 10:39 | 2026-04-21 13:21 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved xxx: Received xxx dated xxx with refund check amount xxx and exception is cleared. - Due Diligence Vendor-04/21/2026 Resolved- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 |
Resolved-Resolved xxx: Received PCCD dated xxx with refund check amount xxx and exception is cleared. - Due Diligence Vendor-04/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.12 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 760 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 8705936 | |||||
| xxx | 88847 | C | A | C | A | A | A | A | A | Closed | FCRE1437 | 2026-04-23 15:41 | 2026-04-27 09:30 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-xxx: Resolved. 75% of gross income is xxx so xxx do not need to be sourced/documented. The other deposits the xxx sourced the xxx wire which is from xxx and the other two deposits on xxx is from the same company and the other one from xxx is from the same company as well. These are clearly business income. The last one from xxx is from xxx and there are other wires from them and this too is clearly business income. - Due Diligence Vendor-04/27/2026 Ready for Review-75% of gross income is xxx so xxx do not need to be sourced/documented. The other deposits the xxx sourced the xxx wire which is from xxx and the other two deposits on xxx is from the same company and the other one from xxx is from the same company as well. These are clearly business income. The last one from xxx is from xxx and there are other wires from them and this too is clearly business income. Please clear condition. - Seller-04/24/2026 Open-Income and Employment Do Not Meet Guidelines . Provide source of funds for large deposits xxx on xxx; xxx; xxx; xxx; xxx; and xxx to support income. Per guidelines, section 5.3, any individual eligible deposit that is > 75% of 12- or 24- month monthly average is to be sourced/documented. - Due Diligence Vendor-04/23/2026 |
Ready for Review-75% of gross income is xxx so xxx do not need to be sourced/documented. The other deposits the UW sourced the xxx wire which is from xxx and the other two deposits on xxx is from the same company and the other one from xxx is from the same company as well. These are clearly business income. The last one from xxx is from xxx and there are other wires from them and this too is clearly business income. Please clear condition. - Seller-04/24/2026 |
Resolved-xxx: Resolved. 75% of gross income is xxx so xxx do not need to be sourced/documented. The other deposits the UW sourced the xxx wire which is from xxx and the other two deposits on xxx is from the same company and the other one from xxx is from the same company as well. These are clearly business income. The last one from xxx is from xxx and there are other wires from them and this too is clearly business income. - Due Diligence Vendor-04/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.81 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 32.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.30 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.29 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8848965 | ||||
| xxx | 88920 | B | B | B | B | A | A | A | A | Closed | FCRE1197 | 2026-04-28 13:21 | 2026-04-28 13:21 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of xxx is less than Guideline FICO of xxx 2 point FICO exception requested. This is an assisted living facility - Due Diligence Vendor-04/28/2026 | Waived-Audited FICO of xxx is less than Guideline FICO of xxx 2 point FICO exception requested. This is an assisted living facility - Due Diligence Vendor-04/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.95 Are Greater Than The Guideline Minimum Of 5 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.37% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
LTV is 51.613% | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8924945 | ||||
| xxx | 88849 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| xxx | 88619 | D | B | D | B | A | A | A | A | Closed | FCRE7497 | 2026-05-06 14:09 | 2026-05-12 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-xxx: Resolved. Received tax information - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/11/2026 Counter-xxx: Countered. Only received tax information for xxx. Still need proof of tax for xxx - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. - Seller-05/08/2026 Open-Missing verification of taxes non-subject property "xxx". Missing verification of taxes non-subject property "xxx". - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. - Seller-05/11/2026 Ready for Review-Document Uploaded. - Seller-05/08/2026 |
Resolved-xxx: Resolved. Received tax information - Due Diligence Vendor-05/12/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.64% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 125.8 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9068459 | |||
| xxx | 88619 | D | B | D | B | A | A | A | A | Closed | FCRE8201 | 2026-05-06 20:27 | 2026-05-06 20:27 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-An exception is being requested to not require payoff of the xxx utilized for the property purchase in xxx, due to the transaction being structured as delayed financing. - Due Diligence Vendor-05/07/2026 | Waived-An exception is being requested to not require payoff of the xxx utilized for the property purchase in xxx, due to the transaction being structured as delayed financing. - Due Diligence Vendor-05/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.64% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 125.8 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
Strong credit profile with a xxx-credit score Residual income of xxx indicating strong repayment capacity |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9074790 | ||||
| xxx | 88933 | C | A | C | A | A | A | A | A | Closed | FCRE1194 | 2026-05-07 17:11 | 2026-05-13 12:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-xxx: Resolved. Received approved exception. EXPERIENCED INVESTOR 3 MO RESERVES ABOVE REQUIRED 0x30 MTG HISTORY SUBJ SINCE OPEN xxx & PRIMARY OPENED xxx & 1st PMT MADE xxx 0X30 VOR PREV PRIMARY 30 YEARS ESTABLISHED CREDIT WITH NO LATES SINCE 2022 .314 DSCR ABOVE MINIMUM PROPERTY BUILT 2025, PROP VALUES STABLE, MARKETING TIME UNDER 3 MOS ALL COMPS < 1 MILE AWAY W/MAJO - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Exception approval attached. Please review and clear condition. - Seller-05/12/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. Exception approval attached. Please review and clear condition. - Seller-05/12/2026 |
Resolved-xxx: Resolved. Received approved exception. EXPERIENCED INVESTOR 3 MO RESERVES ABOVE REQUIRED 0x30 MTG HISTORY SUBJ SINCE OPEN xxx & PRIMARY OPENED xxx & 1st PMT MADE xxx 0X30 VOR PREV PRIMARY 30 YEARS ESTABLISHED CREDIT WITH NO LATES SINCE 2022 .314 DSCR ABOVE MINIMUM PROPERTY BUILT 2025, PROP VALUES STABLE, MARKETING TIME UNDER 3 MOS ALL COMPS < 1 MILE AWAY W/MAJO - Due Diligence Vendor-05/13/2026 |
EXPERIENCED INVESTOR 3 MO RESERVES ABOVE REQUIRED 0x30 MTG HISTORY SUBJ SINCE OPEN xxx & PRIMARY OPENED xxx & 1st PMT MADE xxx 0X30 VOR PREV PRIMARY 30 YEARS ESTABLISHED CREDIT WITH NO LATES SINCE 2022 .314 DSCR ABOVE MINIMUM PROPERTY BUILT 2025, PROP VALUES STABLE, MARKETING TIME UNDER 3 MOS ALL COMPS < 1 MILE AWAY W/MAJO | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9094174 | |||
| xxx | 88933 | C | A | C | A | A | A | A | A | Closed | FCRE1196 | 2026-05-07 17:11 | 2026-05-13 12:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-xxx: Resolved. Received approved exception. EXPERIENCED INVESTOR 3 MO RESERVES ABOVE REQUIRED 0x30 MTG HISTORY SUBJ SINCE OPEN xxx & PRIMARY OPENED xxx & 1st PMT MADE xxx 0X30 VOR PREV PRIMARY 30 YEARS ESTABLISHED CREDIT WITH NO LATES SI - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Exception approval attached. Please review and clear condition. - Seller-05/12/2026 Open-Audited HCLTV of 80% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. Exception approval attached. Please review and clear condition. - Seller-05/12/2026 |
Resolved-xxx: Resolved. Received approved exception. EXPERIENCED INVESTOR 3 MO RESERVES ABOVE REQUIRED 0x30 MTG HISTORY SUBJ SINCE OPEN xxx & PRIMARY OPENED xxx & 1st PMT MADE xxx 0X30 VOR PREV PRIMARY 30 YEARS ESTABLISHED CREDIT WITH NO LATES SI - Due Diligence Vendor-05/13/2026 |
EXPERIENCED INVESTOR 3 MO RESERVES ABOVE REQUIRED 0x30 MTG HISTORY SUBJ SINCE OPEN xxx & PRIMARY OPENED xxx & 1st PMT MADE xxx 0X30 VOR PREV PRIMARY 30 YEARS ESTABLISHED CREDIT WITH NO LATES SI | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9094173 | |||
| xxx | 88933 | C | A | C | A | A | A | A | A | Closed | FCRE1195 | 2026-05-07 17:11 | 2026-05-13 12:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-xxx: Resolved. Received approved exception. EXPERIENCED INVESTOR 3 MO RESERVES ABOVE REQUIRED 0x30 MTG HISTORY SUBJ SINCE OPEN xxx & PRIMARY OPENED xxx & 1st PMT MADE xxx 0X30 VOR PREV PRIMARY 30 YEARS ESTABLISHED CREDIT WITH NO LATES SINCE 2022 .314 DSCR ABOVE MINIMUM PROPERTY BUILT 2025, PROP VALUES STABLE, MARKETING TIME UNDER 3 MOS ALL COMPS < 1 MILE AWAY W/MAJORITY <.50 MILE AWAY - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Exception approval attached. Please review and clear condition. - Seller-05/12/2026 Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. Exception approval attached. Please review and clear condition. - Seller-05/12/2026 |
Resolved-xxx: Resolved. Received approved exception. EXPERIENCED INVESTOR 3 MO RESERVES ABOVE REQUIRED 0x30 MTG HISTORY SUBJ SINCE OPEN xxx & PRIMARY OPENED xxx & 1st PMT MADE xxx 0X30 VOR PREV PRIMARY 30 YEARS ESTABLISHED CREDIT WITH NO LATES SINCE 2022 .314 DSCR ABOVE MINIMUM PROPERTY BUILT 2025, PROP VALUES STABLE, MARKETING TIME UNDER 3 MOS ALL COMPS < 1 MILE AWAY W/MAJORITY <.50 MILE AWAY - Due Diligence Vendor-05/13/2026 |
EXPERIENCED INVESTOR 3 MO RESERVES ABOVE REQUIRED 0x30 MTG HISTORY SUBJ SINCE OPEN xxx & PRIMARY OPENED xxx & 1st PMT MADE xxx 0X30 VOR PREV PRIMARY 30 YEARS ESTABLISHED CREDIT WITH NO LATES SINCE 2022 .314 DSCR ABOVE MINIMUM PROPERTY BUILT 2025, PROP VALUES STABLE, MARKETING TIME UNDER 3 MOS ALL COMPS < 1 MILE AWAY W/MAJORITY <.50 MILE AWAY | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9094172 | |||
| xxx | 89135 | C | A | A | A | C | A | A | A | Closed | finding-3939 | 2026-05-08 10:43 | 2026-05-18 08:55 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Resolved xxx: Received the Initial Closing Disclosure dated xxx with the COC for the rate lock extension, and the exception has been cleared. - Due Diligence Vendor-05/18/2026 Resolved- - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. *****Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-Resolved xxx: Received the Initial Closing Disclosure dated xxx with the COC for the rate lock extension, and the exception has been cleared. - Due Diligence Vendor-05/18/2026 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 37.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |
COC Locked CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9105979 | |||
| xxx | 89135 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-05-08 10:43 | 2026-05-18 08:49 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved xxx: Received Initial Closing Disclosure dated xxx with COC and exception is cleared. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-****Documentation Provided does not contain the Revised Closing Disclosure Please provide the complete TRID disclosure history and all TRID disclosures (Revised CD) together with all associated Changed Circumstance Doc id# xxx detail form(s), if any to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-Resolved xxx: Received Initial Closing Disclosure dated xxx with COC and exception is cleared. - Due Diligence Vendor-05/18/2026 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 37.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |
COC Locked CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9105973 | |||
| xxx | 88917 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| xxx | 89128 | C | A | C | A | C | A | A | A | Closed | FCRE1193 | 2026-05-21 16:36 | 2026-06-01 15:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-xxx: Resolved. Corrected 1003, 1008 and xxx income calc worksheet. xxx was inadvertently marked to be paid off instead of xxx. This has been corrected. Additionally, xxx changed xxx income to use base - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. See corrected 1003, 1008 and xxx income calc worksheet. xxx was inadvertently marked to be paid off instead of xxx. This has been corrected. Additionally, xxx changed xxx income to use base earnings of xxx. This will put the DTI at 49.3 with the correct debt amount. She used xxx as base for her from 2025 W2 earnings. She was just being conservative as borrower’s YTD was xxx due to personal leave to take care of relative. WVOE verifies the xxx. OT income remained the same. Please review and clear condition. - Seller-05/29/2026 Open-Audited DTI of 52.24% exceeds Guideline DTI of 50% DTI exceeds the 50% guideline threshold due to the reclassification of xxx from a 2nd Mortgage to a revolving account based on the credit report and updated credit liabilities reflected in the Final 1003. - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. See corrected 1003, 1008 and xxx income calc worksheet. xxx was inadvertently marked to be paid off instead of xxx. This has been corrected. Additionally, UW changed xxx income to use base earnings of xxx. This will put the DTI at 49.3 with the correct debt amount. She used xxx as base for her from 2025 W2 earnings. She was just being conservative as borrower’s YTD was xxx due to personal leave to take care of relative. WVOE verifies the xxx. XXX income remained the same. Please review and clear condition. - Seller-05/29/2026 |
Resolved-xxx: Resolved. Corrected 1003, 1008 and xxx income calc worksheet.xxx was inadvertently marked to be paid off instead of xxx. This has been corrected. Additionally, UW changedxxx income to use base - Due Diligence Vendor-06/01/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.85 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.58 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.53% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9333499 | |||
| xxx | 89128 | C | A | C | A | C | A | A | A | Closed | finding-3939 | 2026-05-22 01:55 | 2026-05-28 08:34 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Resolved xxx: Received Initial Closing Disclosure dated xxxwith Rate Lock COC, and the exception has been cleared. - Due Diligence Vendor-05/28/2026 Resolved- - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Attached is the CD for xxx. She did not sign but the audit trail is also attached xxx signed CD attached. Please review and clear condition - Seller-05/27/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/26/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Missing Locked LE/CD **** Locked TRID disclosure is missing. Rate Lock date was xxx however A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. Attached is the CD for xxx. She did not sign but the audit trail is also attached xxx signed CD attached. Please review and clear condition - Seller-05/27/2026 |
Resolved-Resolved xxx: Received Initial Closing Disclosure dated xxx with Rate Lock COC, and the exception has been cleared. - Due Diligence Vendor-05/28/2026 Resolved- - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.85 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.58 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.53% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9339526 | |||
| xxx | 89128 | C | A | C | A | C | A | A | A | Closed | FCOM4227 | 2026-05-26 10:09 | 2026-05-28 08:33 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved xxx: Received Initial Closing Disclosure dated xxx with Rate Lock COC, and the exception has been cleared. - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Seller-05/27/2026 Counter-Not Resolved xxx: Received PCCD, instead of Initial Closing Disclosure. Exception is still active. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Seller-05/26/2026 Open-**** Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. - Seller-05/27/2026 Ready for Review-Document Uploaded. - Seller-05/26/2026 |
Resolved-Resolved xxx: Received Initial Closing Disclosure dated xxx with Rate Lock COC, and the exception has been cleared. - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.85 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.58 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.53% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9370302 | |||
| xxx | 89128 | C | A | C | A | C | A | A | A | Closed | FCOM4438 | 2026-05-26 14:33 | 2026-05-27 09:20 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved-Resolved xxx: Received PCCD dated xxx and TILA right of rescission exception is resolved. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Seller-05/26/2026 Open-******* Borrower executed documents on xxx, , after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. - Seller-05/26/2026 |
Resolved-Resolved xxx: Received PCCD dated xxx and TILA right of rescission exception is resolved. - Due Diligence Vendor-05/27/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.85 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.58 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.53% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9378560 | |||
| xxx | 89203 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| xxx | 89207 | C | A | C | A | A | A | A | A | Closed | FCRE1143 | 2026-05-28 08:38 | 2026-06-01 08:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Builder is in control of HOA | Resolved-Yes, builder is in control of the HOA but meets FNMA requirements for New project with project being complete and more than 50% of the units have been conveyed or under contract to principal residence or second home purchasers. HOA documents provided with CLP show when HOA will be turned over. - Due Diligence Vendor-06/01/2026 Ready for Review-Yes, builder is in control of the HOA but meets FNMA requirements for New project with project being complete and more than 50% of the units have been conveyed or under contract to principal residence or second home purchasers. HOA documents provided with CLP show when HOA will be turned over. Please clear condition. - Seller-05/29/2026 Open-The Builder is in control of the HOA - Due Diligence Vendor-05/28/2026 |
Ready for Review-Yes, builder is in control of the HOA but meets FNMA requirements for New project with project being complete and more than 50% of the units have been conveyed or under contract to principal residence or second home purchasers. HOA documents provided with CLP show when HOA will be turned over. Please clear condition. - Seller-05/29/2026 |
Resolved-Yes, builder is in control of the HOA but meets FNMA requirements for New project with project being complete and more than 50% of the units have been conveyed or under contract to principal residence or second home purchasers. HOA documents provided with CLP show when HOA will be turned over. - Due Diligence Vendor-06/01/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.93% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.50 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 9419109 | ||||
| xxx | 88802 | C | A | C | A | A | A | A | A | Closed | FCRE1293 | 2026-06-02 13:03 | 2026-06-08 08:32 | Resolved | 1 - Information | C | A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-xxx Resolved. Received 12 months bank statements. - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Corrected income worksheet attached along with 12 mo bank statements for xxx. Please note the correct bank account number for business is account number ending xxx. Please review and clear condition. - Seller-06/05/2026 Open-Income 2 Months Income Verified is Missing Provide 12 Months business bank statement (xxx) xxx for calculate the income. - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. Corrected income worksheet attached along with 12 mo bank statements for xxx. Please note the correct bank account number for business is account number ending xxx. Please review and clear condition. - Seller-06/05/2026 |
Resolved-xxx: Resolved. Received 12 months bank statements. - Due Diligence Vendor-06/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 69.95 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9509284 | |||
| xxx | 89137 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| xxx | 89598 | D | B | D | A | A | A | B | B | Closed | FCRE7347 | 2026-06-03 10:42 | 2026-06-05 13:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-xxx: Resolved. Per LOE from client property is assisted living tenant. Used 1007 figures. - Due Diligence Vendor-06/05/2026 Ready for Review-This is an Assisted Living property, no leases are required and 1007 was used. Please clear condition - Seller-06/05/2026 Open-The appraisal indicates that the subject property is tenant-occupied; however, a lease agreement has not been provided - Due Diligence Vendor-06/03/2026 |
Ready for Review-This is an Assisted Living property, no leases are required and 1007 was used. Please clear condition - Seller-06/05/2026 |
Resolved-xxx: Resolved. Per LOE from client property is assisted living tenant. Used 1007 figures. - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 9528584 | ||||
| xxx | 89598 | D | B | D | A | A | A | B | B | Closed | FVAL9739 | 2026-06-03 10:40 | 2026-06-03 10:40 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Assisted Living Facility - Due Diligence Vendor-06/03/2026 | Waived-Assisted Living Facility - Due Diligence Vendor-06/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Verified the following compensating factors: 5+ years of ownership in the subject property (Refi), DSCR Score > 1.00 (DSCR), LTV is at least 10% below the maximum allowable limit, 0x30 mortgage history for the most recent 12 months, 24+ months of established credit history, more than 1 year of experience as a real estate investor, and reserves exceeding the minimum requirement. | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9528549 | ||||
| xxx | 89130 | B | B | B | B | A | A | A | A | Closed | FCRE8611 | 2026-06-04 14:34 | 2026-06-04 14:34 | Waived | 2 - Non-Material | B | B | Credit | Income | Income/Employment General | Waived-Exception requested to collect only the security deposit at lease signing, as the lease term begins on xxx. The monthly rent is xxx, and unit 1007 supports a rent amount of xxx. - Due Diligence Vendor-06/04/2026 | Waived-Exception requested to collect only the security deposit at lease signing, as the lease term begins on xxx. The monthly rent isxxx, and unit 1007 supports a rent amount of xxx - Due Diligence Vendor-06/04/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.98% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.42 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
Compensating factors include a low LTV of 56.98% and a DSCR of 1.22x | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9562874 | ||||
| xxx | 89132 | B | B | B | B | A | A | A | A | Closed | FCRE8611 | 2026-06-05 10:45 | 2026-06-08 07:42 | Waived | 2 - Non-Material | B | B | Credit | Income | Income/Employment General | Waived-An exception is being requested as the current lease expires on xxx and will not be renewed. Please consider qualifying the rental income using the market rent established in the Form 1007 rather than the expiring lease agreement. - Due Diligence Vendor-06/05/2026 | Waived-An exception is being requested as the current lease expires on xxx and will not be renewed. Please consider qualifying the rental income using the market rent established in the Form 1007 rather than the expiring lease agreement. - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.22% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
* xxx fico and 1.19 dscr | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9580133 | ||||
| xxx | 89133 | B | B | B | B | A | A | A | A | Closed | FCRE8611 | 2026-06-05 17:56 | 2026-06-05 17:56 | Waived | 2 - Non-Material | B | B | Credit | Income | Income/Employment General | Waived-Exception requested to proceed without a lease agreement. The current lease for the property remains in effect and is scheduled to expire on xxx. - Due Diligence Vendor-06/05/2026 | Waived-Exception requested to proceed without a lease agreement. The current lease for the property remains in effect and is scheduled to expire on xxx. - Due Diligence Vendor-06/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.64% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Compensating factors include a xxx FICO score and a 1.23x debt service coverage ratio (DSCR). | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9592390 | ||||
| xxx | 89258 | D | A | C | A | D | A | B | A | Closed | FPRO1214 | 2026-06-10 11:42 | 2026-06-12 14:52 | Resolved | 1 - Information | B | A | Property | Value | Appraisal Value | Resolved-xxx: Resolved. Per the client: Appraised value is xxx. We choose not to include the garage in the value of the home and we should be able to reduce the value of the home based on the value the appraiser is giving the garage conversion without asking for appraiser to amend. - Due Diligence Vendor-06/12/2026 Ready for Review-Appraised value is xxx. We choose not to include the garage in the value of the home and we should be able to reduce the value of the home based on the value the appraiser is giving the garage conversion without asking for appraiser to amend. Please delete condition. - Seller-06/12/2026 Open-According to the appraisal report, the appraised value of the property is xxx. However, the 1008 form indicates that the converted garage was given no value, resulting in a xxx reduction to the appraised value. As a result, the Loan Approval, Lock Confirmation, and Final Closing Disclosure (CD) reflect an appraised value of xxx. Kindly provide an appraisal addendum reflecting this adjustment so that the appraisal documentation aligns with the current property value of xxx. - Due Diligence Vendor-06/10/2026 |
Ready for Review-Appraised value is xxx. We choose not to include the garage in the value of the home and we should be able to reduce the value of the home based on the value the appraiser is giving the garage conversion without asking for appraiser to amend. Please delete condition. - Seller-06/12/2026 |
Resolved-xxx: Resolved. Per the client: Appraised value is xxx. We choose not to include the garage in the value of the home and we should be able to reduce the value of the home based on the value the appraiser is giving the garage conversion without asking for appraiser to amend. - Due Diligence Vendor-06/12/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.47 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.37% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9656616 | ||||
| xxx | 89258 | D | A | C | A | D | A | B | A | Closed | FCRE1159 | 2026-06-09 03:57 | 2026-06-12 14:34 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-xxx: Resolved. Received previous policy that is in effect until xxx - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. The previous policy on this refi is good through xxx. - Seller-06/12/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-06/09/2026 |
Ready for Review-Document Uploaded. The previous policy on this refi is good through xxx. - Seller-06/12/2026 |
Resolved-xxx: Resolved. Received previous policy that is in effect until xxx - Due Diligence Vendor-06/12/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.47 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.37% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Attachment-1 (5).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9622363 | |||
| xxx | 89258 | D | A | C | A | D | A | B | A | Closed | INFI1283 | 2026-06-09 08:25 | 2026-06-12 14:30 | Resolved | 1 - Information | D | A | Compliance | Compliance | Missing Initial Closing Disclosure | Resolved-Resolved xxx: Received Initial Closing Disclosure xxx. Exception has been cleared. - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. - Seller-06/11/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/09/2026 |
Ready for Review-Document Uploaded. - Seller-06/11/2026 |
Resolved-Resolved xxx: Received Initial Closing Disclosure xxx. Exception has been cleared. - Due Diligence Vendor-06/12/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.47 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.37% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
CDS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9626760 | |||
| xxx | 89610 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |