Exhibit 99.08 - Schedule 1

ALT ID

Loan ID

Transaction Name

Seller

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

89702

XXXXXXX

XXXXXX

Closed

2026-05-05 09:15

2026-06-04 06:19

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-06/04/2026

Resolved-Borrower Identification - Borrower 1 provided. Power of attorney used. - Due Diligence Vendor-05/14/2026

Ready for Review-Please clear condition as it’s not required, due to he has a POA signed. - Buyer-05/14/2026

Open-Missing Borrower Identification - Borrower 1. Missing B1 Photo Identification - Due Diligence Vendor-05/05/2026

Primary Residence

Purchase

XXXXXXXX

N/A

89705

XXXXXXX

XXXXXX

Closed

2026-05-21 09:04

2026-06-17 11:50

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided CDs and Property reports for properties XXXX and XXX is owned by the LLCs. Condition resolved. - Due Diligence Vendor-06/17/2026
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/17/2026
Ready for Review-Document Uploaded. requested docs uploaded - Seller-06/17/2026
Open- - Due Diligence Vendor-06/03/2026
Ready for Review-Document Uploaded. Please see attached Decision Logic from the Underwriter. Thanks - Seller-06/03/2026
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing VOM on REOs. - Due Diligence Vendor-05/21/2026

Ready for Review-Document Uploaded. requested docs uploaded - Seller-06/17/2026

Ready for Review-Document Uploaded. Please see attached Decision Logic from the Underwriter. Thanks - Seller-06/03/2026

Resolved-Lender provided CDs and Property reports for properties XXXX is owned by the LLCs. Condition resolved. - Due Diligence Vendor-06/17/2026
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/17/2026

XXXXXXXXXXX_XXXXX_Decision Logic.pdf
XXXX X XXXXX.pdf
XXXX X XXXXX.pdf
XXXX X XXXXX.pdf
XXXX X XXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

N/A

89705

XXXXXXX

XXXXXX

Closed

2026-05-21 08:59

2026-06-17 11:49

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Lender provided evidence showing 2 properties (XXXX) are owned by the LLC. condition resolved.  - Due Diligence Vendor-06/17/2026
Ready for Review-Document Uploaded. CD for property located at XXXX X XXXXXXXX uploaded showing property was free and clear, no VOM.  The other two properties, the mortgages are in an LLC's name and we are not required to verify any sort of VOM. - Buyer-06/16/2026
Counter-Please provide the verification these properties are owned by partnerships.  Condition remains. - Due Diligence Vendor-06/03/2026
Ready for Review-Document Uploaded. Please see attached Decision Logic from the Underwriter. Thanks - Seller-06/03/2026
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Mortgages for REO XXXX.  The credit report only listed the mortgage on REO 3k.   - Due Diligence Vendor-05/21/2026

Ready for Review-Document Uploaded. Please see attached Decision Logic from the Underwriter. Thanks - Seller-06/03/2026

Resolved-Lender provided evidence showing 2 properties (XXXX) are owned by the XXX. condition resolved. - Due Diligence Vendor-06/17/2026

XXXXXXXXXX_XXXXX_Decision Logic.pdf
XXXX X XXXXX.pdf

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

N/A

89705

XXXXXXX

XXXXXX

Closed

2026-05-21 09:05

2026-06-15 11:55

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence that REO1 Property is Owned Free and Clear

Resolved-Received property detail report reflection property XXX is free and clear. Resolved. - Due Diligence Vendor-06/15/2026
Ready for Review-Document Uploaded. Attached find the property detail report and open lien report for the property listed on the 1003 as XX, XXX X XXXX XXXXXX showing it is owned free and clear. - Seller-06/12/2026
Counter-3rd party documentation required proving property XX is owned free and clear. Condition remains. - Due Diligence Vendor-06/03/2026
Ready for Review-Document Uploaded. Please see attached Decision Logic from the Underwriter. Thanks - Buyer-06/03/2026
Open-Missing Evidence that REO1 Property is Owned Free and Clear Missing evidence that REO XX is free and clear. The XXXX tax returns reflect mortgage interest paid to bank. The loan file contained only a letter of explanation from the borrowers stating that the loan has been paid off. Lender to provide 3rd party documentation that property is now free and clear (ex. Satisfaction of Mortgage). - Due Diligence Vendor-05/21/2026

Ready for Review-Document Uploaded. Attached find the property detail report and open lien report for the property listed on the 1003 as XX, XXX X XXXX XXXXXX showing it is owned free and clear. - Seller-06/12/2026

Resolved-Received property detail report reflection property XX is free and clear. Resolved. - Due Diligence Vendor-06/15/2026

XXXXXXXXXX_XXXXX_Decision Logic.pdf
XXXXXXXXXX_XXXXX_XXXX X XXXXXt.pdf

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

N/A

89708

XXXXXXX

XXXXXX

Closed

2026-05-13 10:12

2026-05-20 11:32

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application - Not Executed

Resolved-The Final 1003 is Executed - Due Diligence Vendor-05/20/2026

Ready for Review-Document Uploaded. Dated 1003. Thank you - Buyer-05/19/2026

Open-The Final 1003 is Not Executed Borrower signed date is missing on final 1003 - Due Diligence Vendor-05/13/2026

Resolved-The Final 1003 is Executed - Due Diligence Vendor-05/20/2026

XXXXXXXXXX_XXXXX_Updated 1003.pdf

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXXXXXX

N/A

89711

XXXXXXX

XXXXXX

Closed

2026-05-29 07:47

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-05/29/2026

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXXXXXX

Investor Post-Close

90686

XXXXXXX

XXXXXX

Closed

2026-07-15 09:11

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-07/15/2026

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

Investor Post-Close

90689

XXXXXXX

XXXXXX

Closed

2026-08-11 12:55

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-08/11/2026

Investment

Purchase

XXXXXXXX

Investor Post-Close

90692

XXXXXXX

XXXXXX

Closed

2026-07-08 09:58

2026-07-08 10:40

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-07/08/2026

Investment

Purchase

XXXXXXXX

Investor Post-Close

90695

XXXXXXX

XXXXXX

Closed

2026-07-31 14:54

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-07/31/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

89715

XXXXXXX

XXXXXX

Closed

2026-04-27 08:27

2026-05-05 15:30

Resolved

1 - Information

Credit

Insurance

HO6 Insurance Policy Effective Date is after the Note Date

Resolved-Attestation from insurance company no claims filed during gap. Finding resolved. - Due Diligence Vendor-05/05/2026
Ready for Review-Document Uploaded. See attached for insurance - Buyer-05/05/2026
Open-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Available HO6 Insurance Policy in file effective Date XX/XX/XXXX is after the Note Date XX/XX/XXXX. - Due Diligence Vendor-04/27/2026

Resolved-Attestation from insurance company no claims filed during gap. Finding resolved. - Due Diligence Vendor-05/05/2026

XXXXXXXXXX_XXXXX_Insurance.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89716

XXXXXXX

XXXXXX

Closed

2026-05-29 13:39

2026-06-17 15:12

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Acknowledged-RESPA: Toolkit Missing or Incomplete. RESPA: Toolkit Missing. Finding is non-material and will be rated B for all agencies. - Due Diligence Vendor-06/17/2026

Open-RESPA: Toolkit Missing or Incomplete. RESPA: Toolkit Missing - Due Diligence Vendor-05/29/2026

Acknowledged-RESPA: Toolkit Missing or Incomplete. RESPA: Toolkit Missing. Finding is non-material and will be rated B for all agencies. - Due Diligence Vendor-06/17/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

89716

XXXXXXX

XXXXXX

Closed

2026-05-29 13:39

2026-06-17 15:11

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure is Missing. Finding is non-material and will be rated B for all agencies. - Due Diligence Vendor-06/17/2026

Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure is Missing - Due Diligence Vendor-05/29/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

89716

XXXXXXX

XXXXXX

Closed

2026-06-01 07:42

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-06/01/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

89718

XXXXXXX

XXXXXX

Closed

2026-05-04 10:31

2026-05-04 12:34

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-05/04/2026

Primary Residence

Purchase

XXXXXXXX

Originator Post-Close

89719

XXXXXXX

XXXXXX

Closed

2026-05-12 05:16

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

Investor Post-Close

89722

XXXXXXX

XXXXXX

Closed

2026-05-22 12:53

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-05/22/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

89734

XXXXXXX

XXXXXX

Closed

2026-04-29 08:13

2026-05-04 14:16

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/04/2026
Ready for Review-Document Uploaded. Tax document attached and insurance not needed as property is owned free and clear with non habitable dwelling. - Buyer-05/04/2026
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements tax cert and insurance missing for XXXX X XXXXXXX XX in file. - Due Diligence Vendor-04/29/2026

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/04/2026

XXXXXXXXXX_XXXXX_Taxes - LOE.pdf

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

N/A

89734

XXXXXXX

XXXXXX

Closed

2026-04-29 07:49

2026-05-04 14:15

Resolved

1 - Information

Credit

Missing Doc

Missing verification of taxes, insurance, and/or XXX fees for non-subject property

Resolved-Explanation accepted, finding resolved. - Due Diligence Vendor-05/04/2026
Ready for Review-Document Uploaded. Please clear condition as the documents were included in the investor package. I also attached for your review. The property is owned free and clear and borrower states property does not have a habitable dwelling do no insurance is needed. - Buyer-05/04/2026
Open-Missing Taxes and insurance for - XXXX X XXXXXXX XX - Due Diligence Vendor-04/29/2026

Resolved-Explanation accepted, finding resolved. - Due Diligence Vendor-05/04/2026

XXXXXXXXXX_XXXXX_Taxes - LOE.pdf

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

N/A

89734

XXXXXXX

XXXXXX

Closed

2026-04-28 10:49

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-04/28/2026

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

Investor Post-Close

89747

XXXXXXX

XXXXXX

Closed

2026-05-07 14:39

2026-05-21 18:52

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Thank you for providing the VOR. Resolved. - Due Diligence Vendor-05/21/2026
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-05/21/2026
Ready for Review-Document Uploaded. Hello,

Verification of rent payments are for the departing residence per the lease agreement, paid to XXXX which handles payments for XXXXXX XX XXXX XXXXX, and the amounts differ due to utilities paid by the customer

Thank you, - Seller-05/21/2026
Counter-Pay history received. Provide LOE from borrower, are these payments for the departing residence rent, why are the not paid to the leaser, explain why the amounts always different and do not match the lease amount. Not resolved. - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Hello,

Please see attached VOM/VOR

Thank you, - Buyer-05/16/2026
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOR missing in file, unable to verify 12 months history. - Due Diligence Vendor-05/07/2026

Ready for Review-Document Uploaded. Hello,

Verification of rent payments are for the departing residence per the lease agreement, paid to XXXX which handles payments for XXXXXX XX XXXX XXXXX, and the amounts differ due to utilities paid by the customer

Thank you, - Seller-05/21/2026

XXXXXXXXXX_XXXXX XXXXXXXX_VOMVOR.pdf
XXXXXXXXXX_XXXXX_VOM VOR.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89747

XXXXXXX

XXXXXX

Closed

2026-05-07 14:39

2026-05-21 18:52

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Thank you for providing the VOR. Resolved. - Due Diligence Vendor-05/21/2026
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/21/2026
Ready for Review-Document Uploaded. Hello,

Verification of rent payments are for the departing residence per the lease agreement, paid to XXXX which handles payments for XXXXXX XX XXXX XXXXX, and the amounts differ due to utilities paid by the customer

Thank you - Buyer-05/21/2026
Counter-Pay history received. Provide LOE from borrower, are these payments for the departing residence rent, why are the not paid to the leaser, explain why the amounts always different and do not match the lease amount. Not resolved. - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Hello,

Please see attached VOM/VOR

Thank you, - Buyer-05/16/2026
Open-Housing History Does Not Meet Guideline Requirements VOR missing in file, unable to verify 12 months history. - Due Diligence Vendor-05/07/2026

Resolved-Thank you for providing the VOR. Resolved. - Due Diligence Vendor-05/21/2026

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/21/2026

XXXXXXXXXX_XXXXX XXXXXXXX_VOMVOR.pdf
XXXXXXXXXX_XXXXX_VOM VOR.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90698

XXXXXXX

XXXXXX

Closed

2026-07-20 07:56

2026-07-28 16:59

Cured

2 - Non-Material

Compliance

TRID Tolerance

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

Cured-Post Close CD with fees in the correct sections provided. Cured.  This finding is non-material and will be rated a B grade. - Due Diligence Vendor-07/28/2026
Ready for Review-Document Uploaded. Please clear condition as our Disclosure tracking shows it was delivered electronically.  - Seller-07/27/2026
Counter-LOE to the borrower and PCCD received. For proper testing, please provide proof of delivery to the borrower. Not resolved.  - Due Diligence Vendor-07/24/2026
Ready for Review-Document Uploaded. borrower chose their own provider. All title fees belong in section C, unlimited tolerance - Buyer-07/24/2026
Counter-Lender provided the COC for XX/XX/XXXX with the change for Recording Fee, however we still need the COC for change for Closing Protection Letter being added on XX/XX/XXXX and Title insurance being changed from XXXX to XXXX. However, the loan file did not contain a valid COC to support the addition of the Title-CPL Fee. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower - Due Diligence Vendor-07/24/2026
Open-Lender provided the COC for XX/XX/XXXX with the change for Recording Fee, however we still need the COC for change for Closing Protection Letter being added on XX/XX/XXXX and Title insurance being changed from XXXX to XXXX. However, the loan file did not contain a valid COC to support the addition of the Title-CPL Fee. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower - Due Diligence Vendor-07/24/2026
Open- - Due Diligence Vendor-07/24/2026
Ready for Review-Document Uploaded. See attached - Buyer-07/23/2026
Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Insurance, Closing Protection Letter). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Tolerance cure of $XX.XX to be provided within 60 days of discovery. - Due Diligence Vendor-07/20/2026
Open- - Due Diligence Vendor-07/20/2026
Open- - Due Diligence Vendor-07/20/2026

Ready for Review-Document Uploaded. Please clear condition as our Disclosure tracking shows it was delivered electronically. - Seller-07/27/2026

Cured-Post Close CD with fees in the correct sections provided. Cured. This finding is non-material and will be rated a B grade. - Due Diligence Vendor-07/28/2026

XXXXXXXXXX_XXXXX_COC.pdf
XXXXXX PCCD OP.pdf
XXXXXXXXXX_XXXXX_Disclosure Tracking.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90698

XXXXXXX

XXXXXX

Closed

2026-07-20 07:56

2026-07-28 16:58

Cured

2 - Non-Material

Compliance

TRID Tolerance

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

Cured-Post Close CD with fees in the correct sections provided. Cured. This finding is non-material and will be rated a B grade. - Due Diligence Vendor-07/28/2026
Ready for Review-Document Uploaded. Please clear condition as the Disclosure tracking should suffice as it shows it was delivered electronically. - Buyer-07/27/2026
Counter-LOE to the borrower and PCCD received. For proper testing, please provide proof of delivery to the borrower. Not resolved. - Due Diligence Vendor-07/24/2026
Ready for Review-Document Uploaded. borrower chose their own provider. All title fees belong in section C, unlimited tolerance - Buyer-07/24/2026
Counter-Lender provided the COC for XX/XX/XXXX with the change for Recording Fee, however we still need the COC for change for Closing Protection Letter being added on XX/XX/XXXX and Title insurance being changed from XXXX to XXXX. However, the loan file did not contain a valid COC to support the addition of the Title-CPL Fee. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower - Due Diligence Vendor-07/24/2026
Open-Lender provided the COC for XX/XX/XXXX with the change for Recording Fee, however we still need the COC for change for Closing Protection Letter being added on XX/XX/XXXX and Title insurance being changed from XXXX to XXXX. However, the loan file did not contain a valid COC to support the addition of the Title-CPL Fee. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower - Due Diligence Vendor-07/24/2026
Open- - Due Diligence Vendor-07/24/2026
Ready for Review-Document Uploaded. See attached - Buyer-07/23/2026
Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Insurance, Closing Protection Letter). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate dated XX/XX/XXXX and Closing Disclosure dated XX/XX/XXXX, reflect the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $X,XXX.XX. The loan file contained COCs dated XX/XX/XXXX (for rate lock and increase in loan amount, therefore, title insurance increased) and XX/XX/XXXX for the increase in recording fees. However, the loan file did not contain a valid COC to support the addition of the Title-CPL Fee. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.
- Due Diligence Vendor-07/20/2026
Open- - Due Diligence Vendor-07/20/2026
Open- - Due Diligence Vendor-07/20/2026

Cured-Post Close CD with fees in the correct sections provided. Cured. This finding is non-material and will be rated a B grade. - Due Diligence Vendor-07/28/2026

XXXXXXXXXX_XXXXX_COC.pdf
XXXXX PCCD OP.pdf
XXXXXXXXXX_XXXXX_Disclosure Tracking.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89776

XXXXXXX

XXXXXX

Closed

2026-05-08 09:12

2026-05-14 17:33

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

Resolved-Thank you for providing the borrowers driver's license. Resolved - Due Diligence Vendor-05/14/2026
Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. Please see attached form and ID - Buyer-05/14/2026
Open-Missing Borrower Identification - Borrower 1. Page #318 is Patriot Act Form but its incomplete and ID is also not provided. - Due Diligence Vendor-05/08/2026

Resolved-Thank you for providing the borrowers driver's license. Resolved - Due Diligence Vendor-05/14/2026

Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/14/2026

XXXXXXXXXX_Condition.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89779

XXXXXXX

XXXXXX

Closed

2026-05-11 14:37

2026-06-02 17:37

Cured

2 - Non-Material

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Disclosure Tolerance

Cured-LOE with PCCD, refund to borrower of $XXX received.  Finding cured. - Due Diligence Vendor-06/02/2026
Ready for Review-Document Uploaded. Please see attached refund package including refund check, refund letter, XXX label and PCCD. - Seller-06/02/2026
Counter-PCCD provided correcting the TOP figure. However, a tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Restitution, and Proof of Delivery to Borrower. Condition maintained. - Due Diligence Vendor-06/02/2026
Ready for Review-Document Uploaded. please see fees that are included in the APR and advise where there is a discrepancy - Seller-06/01/2026
Open- - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. I have attached the Compliance report.  TOP is based on any CD sent out after signing. Since no new CD was issued post signing no refund should be due.  - Buyer-05/27/2026
Counter-Lender to provide additional explanation and documentation - lender states "the amount decreased", however, Audit is unable to determine what lender is referring to.  The final CD dated XX/XX/XXXX reflects Total of Payments (TOP) of $X,XXX,XXX.XX.  Audit calculated TOP of $X,XXX,XXX.XX.  The final CD is under-disclosed by $XXX.XX (this is not the same as decrease in the amount).  Tolerance cure of $XXX.XX is required.  Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower.  NOTE: The XXXXXX report dated XX/XX/XXXX reflects same calculations as audit, however, the disclosure reflecting figures on the XXXXXX report was not in the loan file.  Condition retained.  - Due Diligence Vendor-05/27/2026
Ready for Review-The amount decreased not increased.  No refund is necessary.  Please advise. - Buyer-05/22/2026
Counter-Finding remains. (1)) Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. - Due Diligence Vendor-05/21/2026
Ready for Review-Total amounts payment increase is instated after the borrower signed. Given that we have not issued a PCCD on this loan we are within the guidelines cited.  - Buyer-05/19/2026
Open-The disclosed Total of Payments ($X,XXX,XXX.XX) is understated by more than $XXX when compared to the actual Total of Payments ($X,XX,XXX.XX). The difference is ($XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. - Due Diligence Vendor-05/11/2026
Open- - Due Diligence Vendor-05/14/2026
Open- - Due Diligence Vendor-05/11/2026
Open- - Due Diligence Vendor-05/11/2026
Open- - Due Diligence Vendor-05/11/2026

Ready for Review-Document Uploaded. Please see attached refund package including refund check, refund letter, XXX label and PCCD. - Seller-06/02/2026

Ready for Review-Document Uploaded. please see fees that are included in the APR and advise where there is a discrepancy - Seller-06/01/2026

Cured-LOE with PCCD, refund to borrower of $XXX received. Finding cured. - Due Diligence Vendor-06/02/2026

XXXXXXXXXX_XXXXX_ComplianceReport.pdf
XXXXXX APR fees.pdf
XXXXXXXXXX_XXXXX_RefundPackage.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89779

XXXXXXX

XXXXXX

Closed

2026-05-15 06:36

2026-05-19 11:36

Resolved

1 - Information

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Thank you for providing the appraisal completion report. Resolved.
- Due Diligence Vendor-05/19/2026
Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-05/19/2026
Ready for Review-Document Uploaded. Please see attached completed 1004D. - Buyer-05/19/2026
Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-05/15/2026

XXXXXXXXXX_XXXXX_1004D.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89782

XXXXXXX

XXXXXX

Closed

2026-05-15 14:03

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-05/15/2026

Second Home

Purchase

XXXXXXXX

Investor Post-Close

89783

XXXXXXX

XXXXXX

Closed

2026-05-13 12:18

2026-05-21 19:13

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Thank you for providing proof of the business ownership. Resolved.  - Due Diligence Vendor-05/22/2026
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded.  - Buyer-05/21/2026
Counter-Per guidelines, business ownership percentage must be at least 25% which is not documented. This language appears further down the guideline section that was provided in rebuttal. Condition remains. - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see attached.  - Buyer-05/18/2026
Open-ATR Risk - Employment validation/verification standards do not meet requirements The loan file is missing proof of borrower's percentage of ownership of the business. - Due Diligence Vendor-05/13/2026

XXXXXXXXXX_XXXXX_Ownership.pdf
XXXXXXXXXX_XXXXX.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89783

XXXXXXX

XXXXXX

Closed

2026-05-13 12:17

2026-05-21 19:11

Resolved

1 - Information

Credit

Missing Doc

Missing evidence of self employment

Resolved-Thank you for providing proof of the business ownership. Resolved.  - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded.  - Buyer-05/21/2026
Counter-Per guidelines, business ownership percentage must be at least 25% which is not documented.  This language appears further down the guideline section that was provided in rebuttal.  Condition remains. - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see attached.  - Buyer-05/18/2026
Open-The loan file is missing proof of ownership of the business.  The loan was qualified with bank statement income at 100% ownership.  Additionally, business funds at 100% of the balance was used for assets/reserves.  Ownership percentage must be documented through a CPA Letter, Operating Agreement or an equivalent document.  The Secretary of State Business Search is not sufficient as it does not reflect percentage of ownership.   - Due Diligence Vendor-05/13/2026

Resolved-Thank you for providing proof of the business ownership. Resolved. - Due Diligence Vendor-05/22/2026

XXXXXXXXXX_XXXXX_Business.pdf
XXXXXXXXXX_XXXXX.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89784

XXXXXXX

XXXXXX

Closed

2026-05-14 08:05

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

89791

XXXXXXX

XXXXXX

Closed

2026-05-18 08:12

2026-05-18 08:36

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-05/18/2026
Acknowledged-XXX RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-05/18/2026

Acknowledged-XXX RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-05/18/2026

Acknowledged-XXX RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-05/18/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

89791

XXXXXXX

XXXXXX

Closed

2026-05-13 15:00

2026-05-18 08:12

Resolved

1 - Information

Property

Third Party Valuation

Secondary valuation product is not within tolerance

Resolved-second appraisal received and supports value. Finding resolved - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Two appraisals ordered on this loan. First report $XXXX, CDA value $XXXX. Because the CDA was not supported, a second appraisal was ordered, value $XXXX. CDA value would not be used when the second appraisal supported the value. Both appraisal reports uploaded. - Buyer-05/15/2026
Open-The qualifying property value is $XXX,XXX compared to the Desk Review dated XX/XX/XXXX with a value of $XXX,XXX which is greater than 10%. - Due Diligence Vendor-05/13/2026

Resolved-second appraisal received and supports value. Finding resolved - Due Diligence Vendor-05/18/2026

XXXXXXXXXX_appraisal.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89793

XXXXXXX

XXXXXX

Closed

2026-05-05 12:49

2026-05-05 13:21

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. Desk Review Secondary valuation is provided is within Tolerence. - Due Diligence Vendor-05/05/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

89794

XXXXXXX

XXXXXX

Closed

2026-05-20 13:10

2026-06-01 14:10

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-06/01/2026
Resolved-1008 and loan approval provided. Finding resolved. - Due Diligence Vendor-06/01/2026
Ready for Review-Document Uploaded. Conditional approval - Seller-06/01/2026
Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. Please see attached summary - Buyer-05/27/2026
Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-05/20/2026

Ready for Review-Document Uploaded. Conditional approval - Seller-06/01/2026

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-06/01/2026

Resolved-1008 and loan approval provided. Finding resolved. - Due Diligence Vendor-06/01/2026

XXXXXXXXXX_XXXXX_UW Summary.pdf
Conditional Loan Approval 8c6453e4-50ff-4e97-8ad7-e3dc742adb22.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89794

XXXXXXX

XXXXXX

Closed

2026-05-20 16:29

2026-06-01 14:10

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Audited Reserves of 18.83 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. Please see attached assets. - Buyer-05/27/2026
Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Supporting documents for XXXXX XXXXX #XXXX are missing, causing an insufficient asset to cover closing costs. - Due Diligence Vendor-05/20/2026

Resolved-Audited Reserves of 18.83 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-05/27/2026

XXXXXXXXXX_XXXXX_Assets.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89794

XXXXXXX

XXXXXX

Closed

2026-05-20 12:07

2026-05-27 15:08

Resolved

1 - Information

Credit

Missing Doc

Missing Purchase Contract

Resolved-Purchase Contract provided. - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. Please see attached contract and earnest money deposit - Seller-05/27/2026
Open-Missing Purchase Contract - Due Diligence Vendor-05/20/2026

Ready for Review-Document Uploaded. Please see attached contract and earnest money deposit - Seller-05/27/2026

Resolved-Purchase Contract provided. - Due Diligence Vendor-05/27/2026

XXXXXXXXXX_XXXXXXXXXXXXXXX_XXXXX_Purchase contract earnest money deposit.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89794

XXXXXXX

XXXXXX

Closed

2026-05-20 16:27

2026-05-27 15:04

Resolved

1 - Information

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. Please see attached assets. - Buyer-05/27/2026
Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Supporting documents for XXXXX XXXXX #XXXX are missing, causing an insufficient asset to cover closing costs. - Due Diligence Vendor-05/20/2026

Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-05/27/2026

XXXXXXXXXX_XXXXX_Assets.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89794

XXXXXXX

XXXXXX

Closed

2026-05-20 16:27

2026-05-27 15:04

Resolved

1 - Information

Credit

Assets

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

Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. Please see attached assets. - Seller-05/27/2026
Open-Insufficient asset documentation in file - assets do not cover closing costs. Supporting documents for XXXXX XXXXX #XXXX are missing, causing an insufficient asset to cover closing costs. - Due Diligence Vendor-05/20/2026

Ready for Review-Document Uploaded. Please see attached assets. - Seller-05/27/2026

Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-05/27/2026

XXXXXXXXXX_XXXXX_Assets.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89807

XXXXXXX

XXXXXX

Closed

2026-05-21 06:04

2026-06-01 14:06

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Business Bank Statements Less Than 12 Months Provided

Resolved-Additional 2 months statements received. Finding resolved. - Due Diligence Vendor-06/01/2026
Ready for Review-Document Uploaded. XX/XXXX and XX/XXXX uploaded - Buyer-06/01/2026
Open-Business Bank Statements less than 12 months. Missing Statement for the month XX/XXXX and XX/XXXX - Due Diligence Vendor-05/21/2026

Resolved-Additional 2 months statements received. Finding resolved. - Due Diligence Vendor-06/01/2026

XXXXXXXXXX XX/XXXX.pdf
XXXXXXXXXX XX/XXXX.pdf

Second Home

Purchase

XXXXXXXX

N/A

89807

XXXXXXX

XXXXXX

Closed

2026-05-21 13:18

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. CU score is 3.4 and desk review was obtained - Due Diligence Vendor-05/21/2026

Second Home

Purchase

XXXXXXXX

Investor Post-Close

89812

XXXXXXX

XXXXXX

Closed

2026-05-29 12:15

2026-06-11 07:55

Cured

2 - Non-Material

Compliance

TRID Tolerance

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

Cured-PCCD provided moving Survey to Section H and removing Inspection $XXX with copy of wire information. Cured/Non-Materia - Due Diligence Vendor-06/11/2026
Ready for Review-Document Uploaded. reinspection fee not needed. we sent a supplemental wire to refund borr for $XXX. See FSS - Seller-06/10/2026
Counter-Please comment on the Reinspection fee of $XXX that is no longer present on the PCCD. Thank you. - Due Diligence Vendor-06/10/2026
Ready for Review-Document Uploaded. pccd uploaded - Seller-06/09/2026
Open-The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Survey Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of ($XXX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-05/29/2026
Open- - Due Diligence Vendor-05/29/2026

Ready for Review-Document Uploaded. reinspection fee not needed. we sent a supplemental wire to refund borr for $XXX. See FSS - Seller-06/10/2026
Ready for Review-Document Uploaded. pccd uploaded - Seller-06/09/2026

Cured-PCCD provided moving Survey to Section H and removing Inspection $XXX with copy of wire information. Cured/Non-Materia - Due Diligence Vendor-06/11/2026

XXXXXX PCCD MFA.pdf
XXXXXX FSS MFA.pdf

Second Home

Purchase

XXXXXXXX

N/A

89812

XXXXXXX

XXXXXX

Closed

2026-05-29 12:15

2026-06-11 07:54

Cured

2 - Non-Material

Compliance

TRID Tolerance

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

Cured-PCCD provided moving Survey to Section H and removing Inspection $XXX with copy of wire information. Cured/Non-Material. - Due Diligence Vendor-06/11/2026
Ready for Review-Document Uploaded. reinspection fee not needed. we sent a supplemental wire to refund borr for $XXX. See FSS - Buyer-06/10/2026
Counter-Please comment on the Reinspection fee of $XXX that is no longer present on the PCCD. Thank you. - Due Diligence Vendor-06/10/2026
Ready for Review-Document Uploaded. pccd uploaded - Buyer-06/09/2026
Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Survey Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of ($XXX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-05/29/2026
Open- - Due Diligence Vendor-05/29/2026

Cured-PCCD provided moving Survey to Section H and removing Inspection $XXX with copy of wire information. Cured/Non-Material. - Due Diligence Vendor-06/11/2026

XXXXXX PCCD MFA.pdf
XXXXXX FSS MFA.pdf

Second Home

Purchase

XXXXXXXX

N/A

90702

XXXXXXX

XXXXXX

Closed

2026-07-23 10:40

2026-07-29 11:44

Resolved

1 - Information

Credit

Insurance

HO6 Insurance Policy Effective Date is after the Note Date

Resolved-Corrected HO6 policy provided. Resolved. - Due Diligence Vendor-07/29/2026
Resolved-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-07/29/2026
Ready for Review-Document Uploaded. - Buyer-07/29/2026
Open-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Effective date XX/XX/XXXX is after the disbursement date on final CD XX/XX/XXXX. - Due Diligence Vendor-07/23/2026

XXXXXXXXXX_XXXXX_HOI.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90702

XXXXXXX

XXXXXX

Closed

2026-07-24 12:58

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-07/24/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90703

XXXXXXX

XXXXXX

Closed

2026-07-16 16:02

2026-07-24 10:36

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender provided a copy of XXXXX Income worksheet. condition resolved. - Due Diligence Vendor-07/24/2026
Ready for Review-Document Uploaded. Please see attached Income Worksheet - Buyer-07/23/2026
Open-Missing Bank Statement Income Worksheet - Due Diligence Vendor-07/16/2026

Resolved-Lender provided a copy of Salve Income worksheet. condition resolved. - Due Diligence Vendor-07/24/2026

XXXXXXXXXX_XXXXX_IncomeWorksheet.xlsx

Primary Residence

Purchase

XXXXXXXX

N/A

90192

XXXXXXX

XXXXXX

Closed

2026-08-05 14:09

2026-08-11 12:44

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. Waived. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-08/05/2026
Acknowledged-Audited DTI of 53.44% exceeds Guideline DTI of 50% Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. Waived. - Due Diligence Vendor-08/05/2026

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. Waived. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-08/05/2026

Acknowledged-Audited DTI of 53.44% exceeds Guideline DTI of 50% Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. Waived. - Due Diligence Vendor-08/05/2026

Credit file since 2007 w/35 trades, 20 currently open, no late pymts. previous mtg 48 mth no lates, residual income is $6829

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90192

XXXXXXX

XXXXXX

Closed

2026-08-05 14:10

2026-08-05 14:16

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. Resolved. - Due Diligence Vendor-08/05/2026

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/05/2026

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements rental income does not meet verification requirements. DTI exceeds 50% - Due Diligence Vendor-08/05/2026

Earnest Money Deposit c51a189a-fc36-4935-9eee-8163fe476c27.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90192

XXXXXXX

XXXXXX

Closed

2026-07-08 12:07

2026-08-05 14:13

Waived

2 - Non-Material

Credit

Income/Employment

Income 2 Months Income Verified is Missing

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. Waived. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-08/05/2026
Counter-Document Uploaded.  - Due Diligence Vendor-08/05/2026
Counter-Please provide the wire transfer receipts from the title company for the EMD. The EMD has been subtracted from the total assets due to missing proof of receipt. The file does contain two bank statements from XXXX that appear to be in there to source the EMD, but we do not have proof those funds were sent to or received buy the title company,.  - Due Diligence Vendor-08/05/2026
Ready for Review-The borrower has XXX,XXX.XX in assets minus out the closing of $XXXXX= XX,XXX /XXXX monthly payment =19 months of reserves - Buyer-08/04/2026
Counter-Received lenders inquiry as to what's needed to resolve. The exception provided has a compensating factor of 17 months reserves verified, vs 3 required. There are only 11 months verified reserves in the file. The compensating factors on the exception must match what has been verified in the file. Please update the exception to show 11 months of reserves.  - Due Diligence Vendor-08/03/2026
Counter-Received exception for DTI > 50%. Exception list compensating factor of 17 months reserves. Audit reflects 11.14 months reserves. Please update exception to validate all compensating factors. Condition remains. - Due Diligence Vendor-08/03/2026
Ready for Review-Document Uploaded. Please see attached.  - Seller-07/31/2026
Counter-Received a lockbox payment ledger with no explanation and nothing noted on the 1003 to tie it to. The only income on the final 1003 is from the borrowers primary employment, however the 1008 lists additional income of $XXXX. and the primary income on the 1008 is greater than the final 1003. If we use just the income on the final 1003, supported by the XXX income worksheet, the DTI will exceed 50%. Please explain what income was used. If there is secondary income, provide evidence and updated 1003. Not resolved.  - Due Diligence Vendor-07/15/2026
Ready for Review-Document Uploaded. Please see attached.  - Seller-07/15/2026
Open-Income 2 Months Income Verified is Missing Did not receive supporting document for subject property rental income #X,XXX. - Due Diligence Vendor-07/08/2026

Ready for Review-Document Uploaded. Please see attached. - Seller-07/31/2026

Ready for Review-Document Uploaded. Please see attached. - Seller-07/15/2026

XXXXXXXXXX_XXXXX_.pdf
SLR Exception Approval.PDF
Earnest Money Deposit c51a189a-fc36-4935-9eee-8163fe476c27.pdf

Credit file since 2007, 35 total tradelines with 20 currently open. No late payments. Prior mortgage history 48 mths no lates. $6829 residual income.

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90192

XXXXXXX

XXXXXX

Closed

2026-07-10 19:08

2026-08-05 14:04

Resolved

1 - Information

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-08/05/2026
Resolved-Thank you for providing the final settlement statement. Resolved. - Due Diligence Vendor-07/15/2026
Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-07/15/2026
Ready for Review-Document Uploaded. Please see attached. - Seller-07/15/2026
Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX The Final Settlement Statement or Closing Disclosure for the pending property sale is missing; therefore, this asset cannot be considered. - Due Diligence Vendor-07/11/2026

Ready for Review-Document Uploaded. Please see attached. - Seller-07/15/2026

XXXXXXXXXX_XXXXX_XXX XXXXXX.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90192

XXXXXXX

XXXXXX

Closed

2026-07-10 19:08

2026-08-05 14:04

Resolved

1 - Information

Credit

Assets

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

Resolved-The final settlement statement. Resolved. - Due Diligence Vendor-07/15/2026
Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-07/15/2026
Ready for Review-Document Uploaded. Please see attached. - Seller-07/15/2026
Open-Insufficient asset documentation in file - assets do not cover closing costs. No documents were provided for the property with a pending sale - Due Diligence Vendor-07/11/2026

Ready for Review-Document Uploaded. Please see attached. - Seller-07/15/2026

Resolved-The final settlement statement. Resolved. - Due Diligence Vendor-07/15/2026

Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-07/15/2026

XXXXXXXXXX_XXXXX_XXX XXXXXX.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90192

XXXXXXX

XXXXXX

Closed

2026-07-08 10:31

2026-07-08 11:25

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-07/08/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90707

XXXXXXX

XXXXXX

Closed

2026-07-23 06:44

2026-07-30 09:55

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-07/30/2026
Resolved-Checklist of Coverage confirms Replacement cost; hazard insurance coverage is sufficient. Condition resolved. - Due Diligence Vendor-07/30/2026
Ready for Review-Checklist of Coverage confirms Replacement cost; hazard insurance coverage is sufficient. Condition resolved. - Due Diligence Vendor-07/30/2026
Ready for Review-Document Uploaded. Replacement cose estimate shows coverage at $XXXX - Buyer-07/29/2026
Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX The loan amount is $XXX,XXX.XX and Coverage Amount- $XXXXXX - Due Diligence Vendor-07/23/2026

Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-07/30/2026
Resolved-Checklist of Coverage confirms Replacement cost; hazard insurance coverage is sufficient. Condition resolved. - Due Diligence Vendor-07/30/2026

XXXXXXXXXX_XXXXX_RCE.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90707

XXXXXXX

XXXXXX

Closed

2026-07-23 15:09

2026-07-27 05:22

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. XXX RA Only - Value grade equals B, secondary product within tolerance.
- Due Diligence Vendor-07/23/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90710

XXXXXXX

XXXXXX

Closed

2026-07-21 15:04

2026-07-23 06:39

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-07/21/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90711

XXXXXXX

XXXXXX

Closed

2026-07-01 12:24

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-07/01/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90713

XXXXXXX

XXXXXX

Closed

2026-07-09 00:36

2026-08-11 12:49

Acknowledged

2 - Non-Material

Compliance

Missing Doc

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

Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-07/09/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90713

XXXXXXX

XXXXXX

Closed

2026-07-09 00:36

2026-08-11 12:48

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-07/09/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90719

XXXXXXX

XXXXXX

Closed

2026-07-29 15:50

2026-08-12 16:03

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-VOE provided. Resolved. - Due Diligence Vendor-08/06/2026
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/06/2026
Ready for Review-Document Uploaded. Attached VOE - Buyer-08/06/2026
Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/29/2026

Resolved-VOE provided. Resolved. - Due Diligence Vendor-08/06/2026

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/06/2026

XXXXXXXXXX_XXXXX_VOE.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90720

XXXXXXX

XXXXXX

Closed

2026-07-14 06:48

2026-08-11 12:48

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-07/14/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90720

XXXXXXX

XXXXXX

Closed

2026-07-14 06:48

2026-08-11 12:47

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-07/14/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90720

XXXXXXX

XXXXXX

Closed

2026-07-14 06:48

2026-08-11 12:47

Acknowledged

2 - Non-Material

Compliance

Missing Doc

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

Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-07/14/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90720

XXXXXXX

XXXXXX

Closed

2026-07-14 06:48

2026-07-17 15:49

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-07/14/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90721

XXXXXXX

XXXXXX

Closed

2026-07-21 11:46

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-07/21/2026

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

Investor Post-Close

90722

XXXXXXX

XXXXXX

Closed

2026-07-10 15:04

2026-08-11 12:50

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Acknowledged-RESPA: Toolkit Missing or Incomplete. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-07/10/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90722

XXXXXXX

XXXXXX

Closed

2026-07-10 15:04

2026-08-11 12:50

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - is Missing in file. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-07/10/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90722

XXXXXXX

XXXXXX

Closed

2026-07-08 14:34

2026-07-15 12:28

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Initial CD received - Due Diligence Vendor-07/15/2026
Ready for Review-Document Uploaded. attached is the initial CD and all LE and CDs with the disclosure tracking - Buyer-07/14/2026
Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD is missing in file. - Due Diligence Vendor-07/08/2026

Resolved-Initial CD received - Due Diligence Vendor-07/15/2026

XXXXXXXXXX_XXXXX_InitialCDand all LE and CDs.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90722

XXXXXXX

XXXXXX

Closed

2026-07-10 15:43

2026-07-15 12:01

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/15/2026
Ready for Review-Document Uploaded. attached is the initial CD and all LE and CDs with the disclosure tracking - Buyer-07/14/2026
Open-Initial CD is missing in file. - Due Diligence Vendor-07/10/2026

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/15/2026

XXXXXXXXXX_XXXXX_InitialCDand all LE and CDs.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90725

XXXXXXX

XXXXXX

Closed

2026-07-08 10:38

2026-07-13 13:53

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. Provided valuation reports are within tollerance. - Due Diligence Vendor-07/13/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90726

XXXXXXX

XXXXXX

Closed

2026-07-15 10:15

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-07/15/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90727

XXXXXXX

XXXXXX

Closed

2026-07-16 16:07

2026-08-12 08:02

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

Resolved-Borrower ID provided, Finding Resolved - Due Diligence Vendor-07/20/2026
Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-07/20/2026
Ready for Review-Document Uploaded. Hello,

Please see attached Patriot act

Thank you, - Buyer-07/20/2026
Open-Missing Borrower Identification - Borrower 1. Missing borrowers State issued photo ID. - Due Diligence Vendor-07/16/2026

Resolved-Borrower ID provided, Finding Resolved - Due Diligence Vendor-07/20/2026

Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-07/20/2026

XXXXXXXXXX_XXXXX_Patriotact.pdf

Investment

Purchase

XXXXXXXX

N/A

90728

XXXXXXX

XXXXXX

Closed

2026-07-17 11:22

2026-08-12 08:06

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Tax Information provided. Finding Resolved - Due Diligence Vendor-08/12/2026
Resolved-Tax Information provided. Finding Resolved - Due Diligence Vendor-07/20/2026
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-07/20/2026
Ready for Review-Document Uploaded. Tax cert attached - Buyer-07/20/2026
Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Tax cert is missing - Due Diligence Vendor-07/17/2026

XXXXXXXXXX_XXXXX_Tax Certification.pdf

Second Home

Purchase

XXXXXXXX

N/A

90728

XXXXXXX

XXXXXX

Closed

2026-07-17 11:40

2026-07-20 17:32

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Tax Information provided. Finding Resolved - Due Diligence Vendor-07/20/2026
Ready for Review-Document Uploaded. Tax cert attached - Buyer-07/20/2026
Open-Tax certification is missing - Due Diligence Vendor-07/17/2026

Resolved-Tax Information provided. Finding Resolved - Due Diligence Vendor-07/20/2026

XXXXXXXXXX_XXXXX_Tax Certification.pdf

Second Home

Purchase

XXXXXXXX

N/A

90731

XXXXXXX

XXXXXX

Closed

2026-07-24 03:37

2026-07-27 09:10

Resolved

1 - Information

Credit

Missing Doc

Missing evidence of sale of other property owned (REO)

Resolved-Signed copy of final closing disclosure received for the departing residence, condition cleared. - Due Diligence Vendor-07/27/2026
Ready for Review-Document Uploaded. See attached CD for departing residence. - Buyer-07/24/2026
Open-Provide Final Signed/Certified closing disclosure for sale of departing residence. The Closing Disclosure provided is not signed/certified. - Due Diligence Vendor-07/24/2026

Resolved-Signed copy of final closing disclosure received for the departing residence, condition cleared. - Due Diligence Vendor-07/27/2026

XXXXXXXXXX_XXXXX_CD for departing residence.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90734

XXXXXXX

XXXXXX

Closed

2026-07-22 04:33

2026-07-27 08:31

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-Hazard Insurance Coverage is sufficient, condition cleared. - Due Diligence Vendor-07/27/2026
Ready for Review-Please clear as policy includes replacement cost coverage. - Buyer-07/24/2026
Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX The loan amount is $XXX,XXX and Coverage Amount $XXX,XXX. - Due Diligence Vendor-07/22/2026

Resolved-Hazard Insurance Coverage is sufficient, condition cleared. - Due Diligence Vendor-07/27/2026

Primary Residence

Purchase

XXXXXXXX

N/A

90735

XXXXXXX

XXXXXX

Closed

2026-07-13 11:19

2026-07-16 10:02

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. secondary product within tolerance - Due Diligence Vendor-07/16/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90736

XXXXXXX

XXXXXX

Closed

2026-07-21 08:15

2026-09-14 10:38

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: IEADS Required - Missing or Incomplete

Acknowledged-RESPA: IEADS Required - Missing IEADS is missing. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-09/14/2026
Open-RESPA: IEADS Required - Missing IEADS is missing. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-07/21/2026

Acknowledged-RESPA: IEADS Required - Missing IEADS is missing. Finding is non-material and will be rated a B grade. - Due Diligence Vendor-09/14/2026

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

Investor Post-Close

90749

XXXXXXX

XXXXXX

Closed

2026-07-17 13:42

2026-08-11 13:24

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/23/2026
Resolved-Received final settlement statement and final closing disclosure for sale of REO. Condition cleared. - Due Diligence Vendor-07/23/2026
Ready for Review-Document Uploaded. attached is the Final settlement statement for sale of XXX XXXXXX XXXXX
XXXXXX, XX XXXXX - Buyer-07/22/2026
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing evidence of sale of property - Closing Statement in file is Estimated - Due Diligence Vendor-07/17/2026

XXXXXXXXXX_XXXXX_FSS.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90749

XXXXXXX

XXXXXX

Closed

2026-07-17 13:51

2026-08-11 13:24

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-08/11/2026
Resolved-Received final settlement statement and final closing disclosure for sale of REO. Condition cleared. - Due Diligence Vendor-07/23/2026
Ready for Review-Document Uploaded. attached is the Final settlement statement for sale of XXX XXXXXX XXXXX
XXXXXX, XX XXXXX - Buyer-07/22/2026
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements proof mortgages were paid - Due Diligence Vendor-07/17/2026

XXXXXXXXXX_XXXXX_FSS.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90749

XXXXXXX

XXXXXX

Closed

2026-07-17 13:49

2026-07-23 08:49

Resolved

1 - Information

Credit

Missing Doc

Missing evidence of sale of other property owned (REO)

Resolved-Received final settlement statement and final closing disclosure for sale of REO. Condition cleared. - Due Diligence Vendor-07/23/2026
Ready for Review-Document Uploaded. attached is the Final settlement statement for sale of XXX XXXXXX XXXXX
XXXXXX, XX XXXXX
- Buyer-07/22/2026
Open-Final Hud-1,Closing documents, or other evidence of sale from property listed in position <3a> on the application evidencing liens paid was not provided. Document is file is estimated - Due Diligence Vendor-07/17/2026

Resolved-Received final settlement statement and final closing disclosure for sale of REO. Condition cleared. - Due Diligence Vendor-07/23/2026

XXXXXXXXXX_XXXXX_FSS.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90750

XXXXXXX

XXXXXX

Closed

2026-07-17 00:49

2026-07-24 10:54

Resolved

1 - Information

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Lender provided On-site visit to perform inspection of capacity/strength of the existing foundations on these observations, it is the opinion that no immediate repair is recommended with regard to the foundation of the house and the garage. condition resolved. - Due Diligence Vendor-07/24/2026
Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-07/24/2026
Ready for Review-Document Uploaded. Please see attached report from an engineering form regarding appraisal. - Buyer-07/23/2026
Open-Primary Value Subject Property Appraisal is not on an As-Is Basis 1004D document is missing - Due Diligence Vendor-07/17/2026

XXXXXXXXXX_XXXXX_AppraisalLOE.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90751

XXXXXXX

XXXXXX

Closed

2026-08-03 13:54

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-08/03/2026

Second Home

Purchase

XXXXXXXX

Investor Post-Close

90752

XXXXXXX

XXXXXX

Closed

2026-07-29 11:09

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-07/29/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

89825

XXXXXXX

XXXXXX

Closed

2026-04-30 12:21

2026-05-14 15:39

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. Attached XXXXX stmt for borrower - Buyer-05/14/2026
Open-Asset Record 1 Does Not Meet G/L Requirements Latest dated account statement in file is for statement ending XX/XX/XXXX, which exceeds 60 days from the Note date. Please provide an updated statement within 60 days of the Note - Due Diligence Vendor-04/30/2026

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-05/14/2026

XXXXXXXXXX_XXXXX_XXXstmt.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89825

XXXXXXX

XXXXXX

Closed

2026-04-30 12:21

2026-05-14 15:39

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. Attached march stmt for borrower - Buyer-05/14/2026
Open-Asset Record 2 Does Not Meet G/L Requirements Latest dated account statement in file is for statement ending XX/XX/XXXX, which exceeds 60 days from the Note date. Please provide an updated statement within 60 days of the Note - Due Diligence Vendor-04/30/2026

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/14/2026

XXXXXXXXXX_XXXXX_XXXstmt.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89825

XXXXXXX

XXXXXX

Closed

2026-04-30 12:21

2026-05-14 15:39

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. Attached march stmt for borrower - Buyer-05/14/2026
Open-Asset Qualification Does Not Meet Guideline Requirements Account statements exceed 60 days from the Note - Due Diligence Vendor-04/30/2026

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-05/14/2026

XXXXXXXXXX_XXXXX_XXXstmt.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89825

XXXXXXX

XXXXXX

Closed

2026-04-30 11:57

2026-05-14 11:02

Resolved

1 - Information

Credit

Income/Employment

Income documentation expiration dates

Resolved-Updated investment account received. Finding resolved. - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. Attached March stmt for borrower - Buyer-05/14/2026
Open-The latest dated XXX account used for income is for statement ending XX/XX/XXXX which is more than 60 days from the Note Date. Please provide a more recent statement within 60 days of the Note. - Due Diligence Vendor-04/30/2026

Resolved-Updated investment account received. Finding resolved. - Due Diligence Vendor-05/14/2026

XXXXXXXXXX_XXXXX_XXXstmt.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

89826

XXXXXXX

XXXXXX

Closed

2026-05-19 09:44

2026-05-28 15:48

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document is not Missing - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. Be advised this property is a XXXXX. attached is the title for a XXXXX. Thanks - Buyer-05/28/2026
Open-Title Document is missing - Due Diligence Vendor-05/19/2026

Resolved-Title Document is not Missing - Due Diligence Vendor-05/28/2026

XXXXXXXXXX_XXXXX_TitleReport Co-Op Property.pdf

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

N/A

90754

XXXXXXX

XXXXXX

Closed

2026-07-08 13:07

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Acknowledged-XXX value equals B, secondary product within tolerance. This finding will be rated a B for XXX. All other agencies will be rated as A. - Due Diligence Vendor-07/08/2026

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close

90755

XXXXXXX

XXXXXX

Closed

2026-07-15 09:46

2026-08-12 14:54

Resolved

1 - Information

Property

Missing Doc

Missing Second Appraisal (Property)

Resolved-Second appraisal was provided - Due Diligence Vendor-07/16/2026

Ready for Review-Document Uploaded. - Buyer-07/16/2026

Open-The lender's guidelines requires two appraisals and the second appraisal was not provided. - Due Diligence Vendor-07/15/2026

Resolved-Second appraisal was provided - Due Diligence Vendor-07/16/2026

XXXXXXXXXX_XXXXX_2appraisals.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90755

XXXXXXX

XXXXXX

Closed

2026-07-16 12:26

2026-07-20 16:27

Resolved

1 - Information

Property

Missing Doc

Incomplete Appraisal (Property)

Cured-The appraisal transfer letter. Resolved. - Due Diligence Vendor-07/20/2026
Resolved-The appraisal transfer letter. Resolved. - Due Diligence Vendor-07/20/2026
Ready for Review-Document Uploaded. Appraisal transfer release letter - Buyer-07/20/2026
Open-All pages of appraisal were not provided. The 2nd appraisal provided does not have the correct lender name on it. - Due Diligence Vendor-07/16/2026

Cured-The appraisal transfer letter. Resolved. - Due Diligence Vendor-07/20/2026

Resolved-The appraisal transfer letter. Resolved. - Due Diligence Vendor-07/20/2026

XXXXXXXXXX_XXXXX_transfer.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90756

XXXXXXX

XXXXXX

Closed

2026-07-16 16:03

2026-07-20 17:49

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-The income worksheet. Resolved. - Due Diligence Vendor-07/20/2026
Ready for Review-Document Uploaded. Hello,

Please see attached Income calculation Worksheet

Thank you, - Buyer-07/20/2026
Open-Missing Bank Statement Income Worksheet - Due Diligence Vendor-07/16/2026

Resolved-The income worksheet. Resolved. - Due Diligence Vendor-07/20/2026

XXXXXXXXXX_XXXXX_Income Calculation Sheet.pdf

Primary Residence

Purchase

XXXXXXXX

N/A

90756

XXXXXXX

XXXXXX

Closed

2026-07-16 07:04

2026-07-20 17:49

Resolved

1 - Information

Credit

Closing

Borrower 1 Deed of Trust Signature does not match Note

Resolved- QC Review of signatures concurs that signatures are consistent. Resolved. - Due Diligence Vendor-07/20/2026

Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-07/20/2026

Ready for Review-Hello,

The signature variation between the Note and Deed of Trust is not considered a material defect. It is common for an individual's signature to exhibit natural variations from document to document, particularly when multiple documents are executed in succession. Both the Note and Deed of Trust were executed by the same borrower. The loan file supports the borrower's identity and intent to execute the loan documents, including consistent borrower information throughout the transaction. Minor differences in handwriting characteristics do not affect the validity, enforceability, or recordability of the Note or Security Instrument.

Thank you, - Buyer-07/20/2026

Open-Borrower 1 Signature does not match Note Signature does not match Note - Due Diligence Vendor-07/16/2026

Resolved- QC Review of signatures concurs that signatures are consistent. Resolved. - Due Diligence Vendor-07/20/2026

Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-07/20/2026

Primary Residence

Purchase

XXXXXXXX

N/A

90757

XXXXXXX

XXXXXX

Closed

2026-07-30 12:51

Acknowledged

1 - Information

Property

Value

XXX value equals B, secondary product within tolerance

Primary Residence

Purchase

XXXXXXXX

Investor Post-Close