MFRA NQM DEPOSITOR, LLC ABS-15G
Exhibit 99.09 - Schedule 2
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | 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? |
| XXXX | xxxx6364 | Closed | 2026-02-25 13:08 | 2026-03-02 05:16 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Received management agreement, resolved. - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. Uploaded - Seller-02/27/2026 Counter-Missing agreement for the management fee of 250.00 from XXXX, counter. - Due Diligence Vendor-02/26/2026 Ready for Review-The rental is 7240 - Management company fee of 250 = 5395/mo for rental. We used the new insurance policies of 1,183.22 and 981.97 = 2165.19/12= 180.43 - Seller-02/25/2026 Open-DSCR worksheet states rental amount of $5,395 and actual rent is %7,240 and market rent is $7,600. There are 2 (two) HOI policies in file for different amounts which is throwing off the PITIA. - Due Diligence Vendor-02/25/2026 |
Ready for Review-Document Uploaded. Uploaded - Seller-02/27/2026 Ready for Review-The rental is 7240 - Management company fee of 250 = 5395/mo for rental. We used the new insurance policies of 1,183.22 and 981.97 = 2165.19/12= 180.43 - Seller-02/25/2026 |
Resolved-Received management agreement, resolved. - Due Diligence Vendor-03/02/2026 |
Management agreement.pdf | CA | Investment | Refinance | Cash Out - Other | 7804370 | N/A | N/A | ||||
| XXXX | xxxx6364 | Closed | 2026-02-25 05:12 | 2026-02-26 04:49 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received HOI for 02/28/2025, resolved. - Due Diligence Vendor-02/26/2026 Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/26/2026 Resolved-Updated Hazard Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2026 Ready for Review-Uploaded - Seller-02/25/2026 Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX - Due Diligence Vendor-02/25/2026 |
Ready for Review-Uploaded - Seller-02/25/2026 |
Resolved-Received HOI for 02/28/2025, resolved. - Due Diligence Vendor-02/26/2026 Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/26/2026 Resolved-Updated Hazard Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-02/26/2026 |
CA | Investment | Refinance | Cash Out - Other | 7793643 | N/A | N/A | |||||
| XXXX | xxxx6364 | Closed | 2026-02-25 12:19 | 2026-02-26 04:49 | Resolved | 1 - Information | C | A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Other Property Insurance Policy Effective Date of XXX is prior to or equal to the Note Date of XXXXX Or Other Property Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. Uploaded - Seller-02/25/2026 Open-Other Property Insurance Policy Effective Date of XXXXX is after the Note Date of XXXXX Property has separate HOI docs for 3035 and 3037/3037 1/2 both are dated for XXXX effective date. - Due Diligence Vendor-02/25/2026 |
Ready for Review-Document Uploaded. Uploaded - Seller-02/25/2026 |
Resolved-Other Property Insurance Policy Effective Date of XXXX is prior to or equal to the Note Date of XXXXX Or Other Property Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-02/26/2026 |
XXX_EOI 2.pdf XXX_EOI.pdf |
CA | Investment | Refinance | Cash Out - Other | 7803092 | N/A | N/A | ||||
| XXXX | xxxxx0390 | Closed | 2026-03-27 10:58 | 2026-04-29 14:59 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Exception made to allow verbal VVOE with CPA only without receipt of CPA letter. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. VVOE attached and exception to allow VVOE without letter from CPA. Please review and clear condition. - Seller-04/29/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing a licensed/certified tax preparer letter used to verify self-employment addressed to a correspondent (or To Whom It May Concern) is acceptable. The letter will be re-verified either verbally or in writing prior to funding. The re-verification shall be good for 120 days prior to the Note date. - Due Diligence Vendor-03/27/2026 |
Ready for Review-Document Uploaded. VVOE attached and exception to allow VVOE without letter from CPA. Please review and clear condition. - Seller-04/29/2026 |
Waived-Exception made to allow verbal VVOE with CPA only without receipt of CPA letter. - Due Diligence Vendor-04/29/2026 |
XXXX - VVOE. XXXX - Exception Approval.pdf | Borrower(s) have 109 months Reserves. Minimum required per guidelines is 3 months. 50% LTV is below the maximum 80% LTV by 30%. 787 Representative credit score exceeds the minimum required of 700 by 87 points |
CA | Primary Residence | Purchase | NA | 8359340 | Originator Post-Close | Yes | |||
| XXXX | xxxxx0390 | Closed | 2026-03-26 04:25 | 2026-03-30 10:52 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. This is not a true Lender Credit. It is a credit based on the lock and loan amount. COC and COC CD signed at closing attached. Please clear condition - Seller-03/27/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($13,078.25). The Last CD shows a total lender credit amount of ($12,971.94). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credits decreased from $12,906.25 on the initial cd to $12,799.94 on the final CD. - Due Diligence Vendor-03/26/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/26/2026 Open- - Due Diligence Vendor-03/26/2026 |
Ready for Review-Document Uploaded. This is not a true Lender Credit. It is a credit based on the lock and loan amount. COC and COC CD signed at closing attached. Please clear condition - Seller-03/27/2026 |
Resolved-Resolved - Due Diligence Vendor-03/30/2026 |
XXXX- COC.pdf XXXX - COC Signed CD @ docs.pdf |
CA | Primary Residence | Purchase | NA | 8328964 | N/A | N/A | ||||
| XXXX | xxxxx4270 | Closed | 2026-05-20 03:46 | 2026-05-27 07:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Complete Final Closing Disclosure along with 4th page provided. - Due Diligence Vendor-05/27/2026 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Seller-05/26/2026 Open-TRID: Missing Final Closing Disclosure 4th page of Final CD is missing. Provide complete Final CD. - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. - Seller-05/26/2026 |
Resolved-Complete Final Closing Disclosure along with 4th page provided. - Due Diligence Vendor-05/27/2026 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/27/2026 |
Closing CD.pdf | NV | Primary Residence | Purchase | NA | 9291474 | N/A | N/A | ||||
| XXXX | xxxxx4270 | Closed | 2026-05-20 05:31 | 2026-05-22 08:01 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Audited DTI of 49.48% exceeds Guideline DTI of 45% Exception page 461-462. Audited DTI is 49.484%, Guideline Max is 45% Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/20/2026 |
Waived-Audited DTI of 49.48% exceeds Guideline DTI of 45% Exception page 461-462. Audited DTI is 49.484%, Guideline Max is 45% Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/20/2026 |
723 Representative credit score exceeds the minimum required of 700 by 23 points Borrower has $5,037.14 residual income after all expenses. Minimum required per guideline is $1,650. Borrower Contribution >5% above min- Loan File 15% of sales price, GL Requirement 5 % of sales price Housing Payment History- Loan File 0x30x12 months, GL Requirement 0x60x12 months |
NV | Primary Residence | Purchase | NA | 9292044 | Originator Pre-Close | Yes | |||||
| XXXX | xxxxx4270 | Closed | 2026-05-22 07:37 | 2026-05-22 08:00 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Exception page 461-462. Short 4 months to meet Business Entity Self Employment of 2 years while Guideline requires Business Entity Self Employment 2 years. Borrower was sole proprietor prior to incorporating the same business in 9/2024 Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/22/2026 |
Waived-Exception page 461-462. Short 4 months to meet Business Entity Self Employment of 2 years while Guideline requires Business Entity Self Employment 2 years. Borrower was sole proprietor prior to incorporating the same business in 9/2024 Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/22/2026 |
723 Representative credit score exceeds the minimum required of 700 by 23 points Borrower has $5,037.14 residual income after all expenses. Minimum required per guideline is $1,650. Borrower Contribution >5% above min- Loan File 15% of sales price, GL Requirement 5 % of sales price Housing Payment History- Loan File 0x30x12 months, GL Requirement 0x60x12 months |
NV | Primary Residence | Purchase | NA | 9344131 | Originator Pre-Close | Yes | |||||
| XXXX | xxxxx4270 | Closed | 2026-05-20 06:09 | 2026-05-22 08:43 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (7.953%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 437-438 and the Final Closing disclosure on Pg#’s 178, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 501. An interior and exterior appraisal was completed for this property – see pg#'s 41, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 547, and confirmation the appraisal was delivered to the borrower – see Pg#’s 154. The loan meets HPML guidelines. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-The loan's (7.953%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 437-438 and the Final Closing disclosure on Pg#’s 178, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 501. An interior and exterior appraisal was completed for this property – see pg#'s 41, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 547, and confirmation the appraisal was delivered to the borrower – see Pg#’s 154. The loan meets HPML guidelines. - Due Diligence Vendor-05/20/2026 |
NV | Primary Residence | Purchase | NA | 9293661 | N/A | N/A | ||||||
| XXXX | xxxxx4167 | Closed | 2026-06-02 10:13 | 2026-06-04 08:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE dated 4/27/2026 and related COC received. - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. - Seller-06/03/2026 Open-TRID: Missing Closing Disclosure Provide Revised LE dated XXXX and related COC - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. - Seller-06/03/2026 |
Resolved-Revised LE dated XXXX and related COC received. - Due Diligence Vendor-06/04/2026 |
XXXX LE.pdf | VA | Primary Residence | Purchase | NA | 9502727 | N/A | N/A | ||||
| XXXX | xxxxx4167 | Closed | 2026-06-01 01:54 | 2026-06-04 00:18 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Requested updated HOI policy with updated effective date 05/26/2026 which is within the note date provided, updated & condition resolved. - Due Diligence Vendor-06/04/2026 Resolved-Hazard Insurance Effective Date of XXXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. - Seller-06/03/2026 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX; however, Note and Final CD closing date are XXXX. Provide HOI Policy with an effective on or prior to XXXX. - Due Diligence Vendor-06/01/2026 |
Ready for Review-Document Uploaded. - Seller-06/03/2026 |
Resolved-Requested updated HOI policy with updated effective date XXXX which is within the note date provided, updated & condition resolved. - Due Diligence Vendor-06/04/2026 Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/04/2026 |
HOI Docs.pdf | VA | Primary Residence | Purchase | NA | 9470542 | N/A | N/A | ||||
| XXXX | xxxxx4167 | Closed | 2026-06-01 02:07 | 2026-06-04 08:09 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Resolved-The loan's (8.141%) APR equals or exceeds the Federal HPML threshold of (7.92%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.42%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 318 and the Final Closing disclosure on Pg#’s 159-163 reflects escrows. Rate lock date was entered correctly – see Pg#’s 359-362 An interior and exterior appraisal was completed for this property – see pg #23-49 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 407, and copy of the appraisal was given to the borrower – see Pg#’s 143 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-06/04/2026 Resolved-The loan's (8.141%) APR equals or exceeds the Federal HPML threshold of (7.92%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.42%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 318 and the Final Closing disclosure on Pg#’s 159-163 reflects escrows. Rate lock date was entered correctly – see Pg#’s 359-362 An interior and exterior appraisal was completed for this property – see pg #23-49 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 407, and copy of the appraisal was given to the borrower – see Pg#’s 143 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/01/2026 |
VA | Primary Residence | Purchase | NA | 9470657 | N/A | N/A | ||||||
| XXXX | xxxxx5289 | Closed | 2026-06-03 02:15 | 2026-06-09 13:26 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.102%) APR equals or exceeds the Federal HPML threshold of (7.92%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.42%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 320 and the Final Closing disclosure on Pg#’s 222-227, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 344. An interior and exterior appraisal was completed for this property – see pg 37, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 373, 338, and confirmation the appraisal was delivered to the borrower – see Pg#’s 196. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-The loan's (8.102%) APR equals or exceeds the Federal HPML threshold of (7.92%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.42%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 320 and the Final Closing disclosure on Pg#’s 222-227, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 344. An interior and exterior appraisal was completed for this property – see pg 37, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 373, 338, and confirmation the appraisal was delivered to the borrower – see Pg#’s 196. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/03/2026 |
DE | Primary Residence | Purchase | NA | 9520744 | N/A | N/A | ||||||
| XXXX | xxxxx4227 | Closed | 2026-06-08 05:47 | 2026-06-10 13:32 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Guidelines do not allow entity to sign note Exception given in page #261 Vesting as a business. Articles of Organization list the businesses purpose as "The transaction of any or all lawful business..." The business is not limited to the ownership or managemnet of real estate. the LLC's name is XXXX. - Due Diligence Vendor-06/08/2026 |
Waived-Guidelines do not allow entity to sign note Exception given in page #261 Vesting as a business. Articles of Organization list the businesses purpose as "The transaction of any or all lawful business..." The business is not limited to the ownership or managemnet of real estate. the LLC's name is XXX as Owner. - Due Diligence Vendor-06/08/2026 |
744 Representative credit score exceeds the minimum required of 700 by 44 points $162,345 reserves exceed the minimum required of $2,104 exceeds the minimum by 77 months over the required minimum. Loss of Rental Use $29,200 |
IL | Investment | Refinance | Cash Out - Other | 9600075 | Originator Pre-Close | Yes | |||||
| XXXX | xxxxx4258 | Closed | 2026-06-08 03:16 | 2026-06-12 09:16 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Length of business being used for income in existence for less than 2 yrs (LLC effective date XXX). Sole proprietor prior to LLC being registered--XXXXX and Borrower from an OFAC country (XXX). Borrower is not on OFAC list. Approved Exception provided on page#345-347. Waived - Due Diligence Vendor-06/08/2026 | Waived-Loan does not conform to program guidelines Length of business being used for income in existence for less than 2 yrs (LLC effective date XXXX). Sole proprietor prior to LLC being registered--XXXX and Borrower from an OFAC country (XXX). Borrower is not on OFAC list. Approved Exception provided on page#345-347. Waived - Due Diligence Vendor-06/08/2026 |
1.Credit Score is 750. Minimum required per guidelines is 700. 2.Borrower Housing History is 0x30x37. Housing History required per guidelines is 0x60x12. 3.Residual Income is $3398.04. Minimum Residual Income required per guidelines is $2500. |
FL | Primary Residence | Purchase | NA | 9597996 | Originator Pre-Close | Yes | |||||
| XXXX | xxxxx5310 | Closed | 2026-06-11 05:32 | 2026-06-22 00:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested PCCD with Demand Feature & Partial Payments checkbox provided, updated & condition resolved. - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. Corrected CD attached. - Seller-XXXX Open-TRID: Missing Final Closing Disclosure Final CD present in File on p 244 Demand Feature & Partial Payments checkbox left blank. - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. Corrected CD attached. - Seller-06/18/2026 |
Resolved-Requested PCCD with Demand Feature & Partial Payments checkbox provided, updated & condition resolved. - Due Diligence Vendor-06/22/2026 |
PCCD.pdf | FL | Primary Residence | Purchase | NA | 9679569 | N/A | N/A | ||||
| XXXX | xxxxx5310 | Closed | 2026-06-11 04:13 | 2026-06-18 14:20 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-06/18/2026 Open-OFAC Check Not Completed and/or Cleared Exception on page#537 Borrower is from XXXX, a sanctioned country. Borrower himself is not on the OFAC list. - Due Diligence Vendor-06/11/2026 |
Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-06/18/2026 |
Guideline residual income requirement $1500 and Qualifying residual income $8109 after all expense Guideline FICO 700 and Qualifying FICO 734 Guideline Reserves 3 months and Qualifying Reserves 3.94 |
FL | Primary Residence | Purchase | NA | 9678123 | Originator Pre-Close | Yes | |||||
| XXXX | xxxxx5310 | Closed | 2026-06-11 03:07 | 2026-06-21 23:59 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.446%) APR equals or exceeds the Federal HPML threshold of (7.91%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.41%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 377 and the Final Closing disclosure on Pg#’241s , Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 405. An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 450, and confirmation the appraisal was delivered to the borrower – see Pg#’s 77. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/22/2026 Resolved-The loan's (8.446%) APR equals or exceeds the Federal HPML threshold of (7.91%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.41%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 377 and the Final Closing disclosure on Pg#’241s , Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 405. An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 450, and confirmation the appraisal was delivered to the borrower – see Pg#’s 77. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/11/2026 |
Resolved-The loan's (8.446%) APR equals or exceeds the Federal HPML threshold of (7.91%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.41%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 377 and the Final Closing disclosure on Pg#’241s , Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 405. An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 450, and confirmation the appraisal was delivered to the borrower – see Pg#’s 77. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/22/2026 Resolved-The loan's (8.446%) APR equals or exceeds the Federal HPML threshold of (7.91%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.41%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 377 and the Final Closing disclosure on Pg#’241s , Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 405. An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 450, and confirmation the appraisal was delivered to the borrower – see Pg#’s 77. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/11/2026 |
FL | Primary Residence | Purchase | NA | 9677694 | N/A | N/A | ||||||
| XXXX | xxxxx5411 | Closed | 2026-06-12 16:07 | 2026-06-16 12:05 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title provided with sufficient coverage. Resolved. - Due Diligence Vendor-06/16/2026 Resolved-Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Seller-06/15/2026 Open-Title Coverage Amount of $XXX is Less than Loan Amount Provide Title with sufficient Policy coverage. - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. - Seller-06/15/2026 |
Resolved-Title provided with sufficient coverage. Resolved. - Due Diligence Vendor-06/16/2026 Resolved-Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/16/2026 |
XXXX Title.pdf | CO | Investment | Refinance | No Cash Out - Borrower Initiated | 9727208 | N/A | N/A | ||||
| XXXX | xxxxx5404 | Closed | 2026-06-15 01:50 | 2026-06-22 16:22 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.89%) APR equals or exceeds the Federal HPML threshold of (8.1%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.6%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 304, and the Final Closing disclosure on Pg#168, Finding reflects escrows. Rate lock date was entered correctly – see Pg#335 An interior and exterior appraisal was completed for this property – see pg 24, the appraisal disclosure was provided to the borrower(s)- see Pg#’380 in file and confirmation the appraisal was delivered to the borrower – see Pg#380 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/15/2026 Open- - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/15/2026 |
Resolved-The loan's (9.89%) APR equals or exceeds the Federal HPML threshold of (8.1%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.6%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 304, and the Final Closing disclosure on Pg#168, Finding reflects escrows. Rate lock date was entered correctly – see Pg#335 An interior and exterior appraisal was completed for this property – see pg 24, the appraisal disclosure was provided to the borrower(s)- see Pg#’380 in file and confirmation the appraisal was delivered to the borrower – see Pg#380 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/15/2026 |
TX | Primary Residence | Purchase | NA | 9737964 | N/A | N/A | ||||||
| XXXX | xxxxx4225 | Closed | 2026-06-18 06:08 | 2026-06-25 10:30 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.493%) APR equals or exceeds the Federal HPML threshold of (8.1%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.6%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 508, and the Final Closing disclosure on Pg#214, Finding reflects escrows. Rate lock date was entered correctly – see Pg#554 An interior and exterior appraisal was completed for this property – see pg 51, the appraisal disclosure was provided to the borrower(s)- see Pg#’688 in file and confirmation the appraisal was delivered to the borrower – see Pg#688 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/18/2026 |
Resolved-The loan's (8.493%) APR equals or exceeds the Federal HPML threshold of (8.1%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.6%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 508, and the Final Closing disclosure on Pg#214, Finding reflects escrows. Rate lock date was entered correctly – see Pg#554 An interior and exterior appraisal was completed for this property – see pg 51, the appraisal disclosure was provided to the borrower(s)- see Pg#’688 in file and confirmation the appraisal was delivered to the borrower – see Pg#688 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/18/2026 |
NJ | Primary Residence | Purchase | NA | 9812767 | N/A | N/A | ||||||
| XXXX | xxxxxxx0318 | Closed | 2026-06-15 02:19 | 2026-07-07 08:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months). | Resolved-Audited Reserves of 9.85 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-07/07/2026 Resolved-The XXX bank statements for XXXX were provided and entered in assets. Loan has met the asset requirements. Finding is resolved. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. - Seller-07/06/2026 Counter-The bank statements for XXX accounts XXXX $6206.03 and XXX $5259.62 were not provided with the supporting documents. Please provide those statements. - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Missing bank statements for XXX XX acct# XXXX with balances of $6,206.03 and $5,259.62. Missing bank statements for XXXX with the balance of $15,238.21. Please provide these statements to resolve shortage of reserves and liquid asset requirements. - Due Diligence Vendor-06/23/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Missing bank statements for XXX CU acct# XXXX with balances of $6,206.03 and $5,259.62. Missing bank statements for XXXX with the balance of $15,238.21. Please provide these statements to resolve shortage of reserves and liquid asset requirements. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. - Seller-07/06/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 |
Resolved-Audited Reserves of 9.85 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-07/07/2026 Resolved-The XXX bank statements for XXX and XXX were provided and entered in assets. Loan has met the asset requirements. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
Cert regarding assets.pdf Revised 1008 with corrected assets.pdf Updated 1003 with corrected assets.pdf BANK STMT - XXX #XXX - $6,206.03 and #XXX - $5,259.62.pdf |
NY | Investment | Purchase | NA | 9738207 | N/A | N/A | ||||
| XXXX | xxxxxxx0318 | Closed | 2026-06-15 01:07 | 2026-07-06 23:31 | Resolved | 1 - Information | D | A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-Updated Appraisal Report uploaded, Verified - Resolved - Due Diligence Vendor-07/07/2026 Resolved-1004D Completion Report is present - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. See attached both appr The Appraiser changed it from "Subject To" to "As Is" and added a comment the basement stove was removed, however the original appraisal was "subject to" the removal of the stove AND capping the gas line. He doesn't state anything about the gas line being capped and there are no photos to even show the stove was removed. - Seller-07/06/2026 Open-1004D Completion Report is Missing Provide 1004D Completion Report as it is Missing in the file - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. See attached both appr The Appraiser changed it from "Subject To" to "As Is" and added a comment the basement stove was removed, however the original appraisal was "subject to" the removal of the stove AND capping the gas line. He doesn't state anything about the gas line being capped and there are no photos to even show the stove was removed. - Seller-07/06/2026 |
Resolved-Updated Appraisal Report uploaded, Verified - Resolved - Due Diligence Vendor-07/07/2026 Resolved-1004D Completion Report is present - Due Diligence Vendor-07/07/2026 |
Updated Report - XXXX.pdf Updated Report -XXXX.pdf |
NY | Investment | Purchase | NA | 9737707 | N/A | N/A | ||||
| XXXX | xxxxxxx0318 | Closed | 2026-06-15 01:07 | 2026-07-06 23:29 | Resolved | 1 - Information | C | A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-The Appraiser’s license in effect at the time of the Appraisal was included within the Appraisal and was effective from XXXX to XXX, Verified - Resolved - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. See Manager Cert reg appr license - thank you - Seller-06/17/2026 Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date . Per the XXX website appraisers license #XXXX had an effective date of XXXX. Prior to that appraiser held license XXXX that expired on 4/30/2025. There is no documentation to support proof of the appraiser being licensed from XXXX. Provide documentation to support that the appraiser was licensed at the time of the valuation date of XXXX. - Due Diligence Vendor-06/16/2026 |
Ready for Review-Document Uploaded. See Manager Cert reg appr license - thank you - Seller-06/17/2026 |
Resolved-The Appraiser’s license in effect at the time of the Appraisal was included within the Appraisal and was effective from 5/8/24 to 5/7/26, Verified - Resolved - Due Diligence Vendor-06/18/2026 |
XXXXX Rebuttal to Appraiser License Finding.pdf | NY | Investment | Purchase | NA | 9737709 | N/A | N/A | ||||
| XXXX | xxxxxxx0318 | Closed | 2026-06-15 01:13 | 2026-07-02 03:38 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Updated Hazard Insurance Policy uploaded, Verified - Resolved - Due Diligence Vendor-07/02/2026 Resolved-Hazard Insurance Effective Date of 06-10-2026 is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXXX Missing the hazard insurance policy effective as of closing date of XXXX. The hazard insurance policy in the file is not effective until XXXX which is after the closing date of XXXX. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. - Seller-07/01/2026 |
Resolved-Updated Hazard Insurance Policy uploaded, Verified - Resolved - Due Diligence Vendor-07/02/2026 Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/02/2026 |
UPDATED HOI.pdf | NY | Investment | Purchase | NA | 9737726 | N/A | N/A | ||||
| XXXX | xxxxxxx0318 | Closed | 2026-06-18 11:50 | 2026-06-23 07:39 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Provided updated approval form reflecting the accurate DSCR of 1.12. Provided revised 1008 to reflect the accurate PITIA. Finding resolved. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/22/2026 Open-DSCR Does Not Meet Guideline Requirement. Per the tape lender DSCR was 1.38, but the calculated DSCR is 1.129. Lender appears to have only used the county property tax payment of $1,130.45 semi-annually which is $188.41 monthly. There is a semi annual payment of $4,707.89 for school property tax and an annual payment of $3,524.28. Please see pages 557-558 in the file These payments together are $15,200.96 annually, which is $1,266.75 monthly. Provide corrected loan approval and 1008 that reflects the accurate PITIA of $5,932.30 ($4,566.13 P&I, $1,266.75 taxes and $99.42 HOI. - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. - Seller-06/22/2026 |
Resolved-Provided updated approval form reflecting the accurate DSCR of 1.12. Provided revised 1008 to reflect the accurate PITIA. Finding resolved. - Due Diligence Vendor-06/23/2026 |
Revised Approval Certificate.pdf Corrected Final 1008.pdf |
NY | Investment | Purchase | NA | 9821166 | N/A | N/A | ||||
| XXXX | xxxxxxx0318 | Closed | 2026-06-16 09:46 | 2026-06-18 10:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. - Seller-06/17/2026 Open-Closing Doc is Missing. The HUD-1 in the file does not reflect the deposit of $48,250. There is an XXXX statement in the file that does reflect the deposit, but it is not signed by the borrower therefore not acknowledged by borrower. Please provide HUD-1 that reflects the deposit of $48,250 and review the calculations on the documentation. - Due Diligence Vendor-06/16/2026 |
Ready for Review-Document Uploaded. - Seller-06/17/2026 |
Resolved-Validation Resolved - Due Diligence Vendor-06/18/2026 |
XXX SIGNED SETTLEMENT STMNT.pdf | NY | Investment | Purchase | NA | 9765432 | N/A | N/A | ||||
| XXXX | xxxxxxx0318 | Closed | 2026-06-16 10:28 | 2026-06-16 10:38 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV. | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Per guidelines 75% LTV is the max for a 2-4 unit property. Exception request form pg#325: 80% LTV on a 2-4 Unit property is APPROVED. - Due Diligence Vendor-06/16/2026 | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Per guidelines 75% LTV is the max for a 2-4 unit property. Exception request form pg#325: 80% LTV on a 2-4 Unit property is APPROVED. - Due Diligence Vendor-06/16/2026 |
Client elects to waive with the following compensating factors: 767 Representative credit score exceeds the minimum required of 700 by 67 points $248,043 reserves exceed the minimum required of $11,865 exceeds the minimum by 21 months over the required minimum. Investor has 3 years of experience with investment properties. |
NY | Investment | Purchase | NA | 9766284 | Originator Pre-Close | Yes | |||||
| XXXX | xxxxxxx0318 | Closed | 2026-06-15 02:21 | 2026-06-16 10:38 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Open-Audited LTV Exceeds Guideline LTV Exception request form pg#325: 80% LTV on a 2-4 Unit property is APPROVED. - Due Diligence Vendor-06/15/2026 | Client elects to waive with the following compensating factors: 767 Representative credit score exceeds the minimum required of 700 by 67 points $248,043 reserves exceed the minimum required of $11,865 exceeds the minimum by 21 months over the required minimum. Investor has 3 years of experience with investment properties. |
NY | Investment | Purchase | NA | 9738222 | Originator Pre-Close | Yes | ||||||
| XXXX | xxxxxx0582 | Closed | 2026-06-15 08:57 | 2026-06-17 01:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO6 Master Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/17/2026 Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. - Seller-06/16/2026 Open-Missing HO-6 Master Insurance Policy Master Policy Document is missing. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. - Seller-06/16/2026 |
Resolved-HO6 Master Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/17/2026 Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/17/2026 |
MASTER INSURANCE POLICY.pdf MASTER INSURANCE POLICY (1).pdf |
IL | Investment | Refinance | Cash Out - Other | 9742796 | N/A | N/A | ||||
| XXXX | xxxxxx0781 | Closed | 2026-06-16 05:54 | 2026-06-18 10:10 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Uploaded HUD-1 Prepayment Penalty $32,250. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. - Seller-06/17/2026 Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Page 519 Final HUD-1 Prepayment Penalty calculated by Amount that Exceeds 33.33%, 66.66% of Original Principal Balance $26,707.02. However Page 624 Note Addendum states Amount that Exceeds 20%, 80% of Original Principal Balance $32,250. - Due Diligence Vendor-06/16/2026 |
Ready for Review-Document Uploaded. - Seller-06/17/2026 |
Resolved-Uploaded HUD-1 Prepayment Penalty $32,250. - Due Diligence Vendor-06/18/2026 |
HUD SIGNED w corr PPP.pdf | CA | Investment | Purchase | NA | 9762130 | N/A | N/A | ||||
| XXXX | xxxxxx0454 | Closed | 2026-06-17 03:17 | 2026-06-25 09:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-12 months bank statements provided. - Due Diligence Vendor-06/25/2026 Open-Housing History Does Not Meet Guideline Requirements 12 months bank statements provided. - Due Diligence Vendor-06/25/2026 Resolved-12 months bank statements showing payments. - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. see atached 12m os bk stmts for mtg rating. Thank you - Seller-06/24/2026 Counter-This is not regarding reserves. The borrower owns a primary home but we have no payment history reflected on the credit report. Provide VOM or other documents showing the housing payment for the last 12 months. - Due Diligence Vendor-06/23/2026 Ready for Review-Hello, when possible, can you pleae relook at the file? We only need 3 months reserves. - Seller-06/22/2026 Open-Housing History Does Not Meet Guideline Requirements Provide supporting docs to verify 12 months of housing history - Due Diligence Vendor-06/17/2026 |
Ready for Review-Document Uploaded. see atached 12m os bk stmts for mtg rating. Thank you - Seller-06/24/2026 Ready for Review-Hello, when possible, can you pleae relook at the file? We only need 3 months reserves. - Seller-06/22/2026 |
Resolved-12 months bank statements provided. - Due Diligence Vendor-06/25/2026 Resolved-12 months bank statements showing payments. - Due Diligence Vendor-06/25/2026 |
12 MOS BANK STATEMENTS FOR MTG RATING.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9784475 | N/A | N/A | ||||
| XXXX | xxxxxx0454 | Closed | 2026-06-17 07:48 | 2026-06-23 10:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Not applicable. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/22/2026 Open-Provide Undiscounted rate document as it is missing in the file - Due Diligence Vendor-06/17/2026 |
Ready for Review-Document Uploaded. - Seller-06/22/2026 |
Resolved-Not applicable. - Due Diligence Vendor-06/23/2026 |
PC Cert reg undiscounted _discount rate disclosure.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9787984 | N/A | N/A | ||||
| XXXX | xxxxxx0454 | Closed | 2026-06-17 07:44 | 2026-06-23 10:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Revised 1003 provided. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. REVISED 1003 reflecting ownership - Seller-06/22/2026 Open-In 1003 Current Employment/Self Employment and Income is not updated or check marked as does not apply - Due Diligence Vendor-06/17/2026 |
Ready for Review-Document Uploaded. REVISED 1003 reflecting ownership - Seller-06/22/2026 |
Resolved-Revised 1003 provided. - Due Diligence Vendor-06/23/2026 |
REVISED 1003.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9787929 | N/A | N/A | ||||
| XXXX | xxxxx0385 | Closed | 2026-06-18 13:28 | 2026-06-26 07:48 | Resolved | 1 - Information | C | A | Property | Appraisal | Loan file does not contain additional valuation | Resolved-Clarification from FNMA Seller's Guide that that the SSR report is acceptable since the appraisal itself is PreClosing. - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. - Seller-06/25/2026 Counter-Both the Fannie and the Freddie SSR reports were provided in the file, but both of them were for the wrong loan number (XXXX - property: XXX, XXX, XXXX). The Freddie SSR just provided is for the correct loan/property, but it is dated 6/24/2026, which is after closing. Unable to accept SSR reports after the closing date. The PreClose SSR report (either Fannie or Freddie) is still missing from the file. - Due Diligence Vendor-06/25/2026 Ready for Review-Per our guidelines we only require one SSR - Seller-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/24/2026 Open-Loan file does not contain additional valuation The FNMA UCDP/SSR report provided is for Loan #XXXX. The additional valuation for this loan number, property, and appraisal is still missing from the loan file. - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. - Seller-06/25/2026 Ready for Review-Per our guidelines we only require one SSR - Seller-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/24/2026 |
Resolved-Clarification from FNMA Seller's Guide that that the SSR report is acceptable since the appraisal itself is PreClosing. - Due Diligence Vendor-06/26/2026 |
Freddie SSR.pdf LOE - SSR.pdf |
CA | Investment | Purchase | NA | 9824677 | N/A | N/A | ||||
| XXXX | xxxxx0385 | Closed | 2026-06-18 06:01 | 2026-06-22 14:01 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-The lender's Approval Certificate was received. Stated DSCR = 0.45, matches the audit's DSCR of 0.459. - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. - Seller-06/22/2026 Open-The lender's Approval Certificate is missing from the loan file. - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. - Seller-06/22/2026 |
Resolved-The lender's Approval Certificate was received. Stated DSCR = 0.45, matches the audit's DSCR of 0.459. - Due Diligence Vendor-06/22/2026 |
APPROVAL CERTIFICATE.pdf | CA | Investment | Purchase | NA | 9812648 | N/A | N/A | ||||
| XXXX | xxxxx0537 | Closed | 2026-06-18 02:11 | 2026-07-22 10:26 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved- - Due Diligence Vendor-07/22/2026 Resolved-Gift letter provided. No down payment required per guidelines section 1.6.4 since LTV is below 80%. - Due Diligence Vendor-07/22/2026 Open-Asset Record 3 Does Not Meet G/L Requirements - Due Diligence Vendor-07/22/2026 Resolved-Asset Record 3 Does Not Meet G/L Requirements - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. - Seller-07/02/2026 Open-Asset Record 3 Does Not Meet G/L Requirements Provide deposit proof for gift $360,000 which is missing from loan file. - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. - Seller-07/02/2026 |
Resolved-Gift letter provided. No down payment required per guidelines section 1.6.4 since LTV is below 80%. - Due Diligence Vendor-07/22/2026 Resolved-Asset Record 3 Does Not Meet G/L Requirements - Due Diligence Vendor-07/06/2026 |
INVESTOR CONDITIONS (3).pdf INVESTOR CONDITIONS (2).pdf Gift Letter.pdf |
CA | Primary Residence | Purchase | NA | 9810000 | N/A | N/A | ||||
| XXXX | xxxxx0537 | Closed | 2026-06-18 03:26 | 2026-07-06 13:04 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-07/06/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee, Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Resolved- - Due Diligence Vendor-06/29/2026 Resolved- - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/27/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Appraisal Fee increased from Revised LE($850) to Initial CD($900) but COC for the same is not available in file. Provide COC for the Appraisal Fee increase. - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. - Seller-06/27/2026 |
Resolved- - Due Diligence Vendor-06/29/2026 |
COC-.pdf | CA | Primary Residence | Purchase | NA | 9810612 | N/A | N/A | ||||
| XXXX | xxxxx0537 | Closed | 2026-06-22 14:38 | 2026-06-26 08:40 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Amount of title insurance is less than mortgage amount | Resolved-Supplement provided. - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. please see page 6 - Seller-06/25/2026 Counter-This was already in the file and still doesn't show any coverage amount. - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-Preliminary title report has no coverage amount listed. Provide supplement. - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. please see page 6 - Seller-06/25/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 |
Resolved-Supplement provided. - Due Diligence Vendor-06/26/2026 |
PRELIM TITLE REPORT _ TITLE COMMITMENT (8).pdf XXXXLoan Policy.pdf |
CA | Primary Residence | Purchase | NA | 9872071 | N/A | N/A | ||||
| XXXX | xxxxx0537 | Closed | 2026-06-18 03:55 | 2026-06-26 02:15 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Requested updated 1003 & 1008 with updated income of $27,107.91 provided, HTI & DTI is within the guidelines hence condition resolved. - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. - Seller-06/25/2026 Open-Originator DTI is 12.31% and Calculated DTI is 22.87%. DTI variance is because Originator Income $54,215.82 is based on 12 months but calculated income is based on 24 months P&L statement hence Monthly Income calculated as: ($XXXXX - $XXXXX expenses)*50%ownership/XX = $XXXXX/XX = $XXXX, Provide updated 1003/1008 with corrected Income and DTI. - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. - Seller-06/25/2026 |
Resolved-Requested updated 1003 & 1008 with updated income of $27,107.91 provided, HTI & DTI is within the guidelines hence condition resolved. - Due Diligence Vendor-06/26/2026 |
MISC. POST CLOSING DOCS 1008.pdf INVESTOR CONDITIONS (2) 1003.pdf |
CA | Primary Residence | Purchase | NA | 9810800 | N/A | N/A | ||||
| XXXX | xxxxx0384 | Closed | 2026-06-22 13:20 | 2026-06-25 13:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo project is ineligible | Resolved-Uploaded Ameritrust Non-Warrantable Condo Checklist. Guidelines are not specific for Warrantable or Non-Warrantable. 2025 30 Year Reserve Study appears to meet Guidelines and Florida Statute 553.899. Any repairs noted in Reserve Study have been completed per Page 208 Condominium Questionnaire. Page 15 1073 Appraiser states Condition C3, As Is value, no major physical deficiencies or adverse conditions that affect the livability, soundness or structural integrity of the property. - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. - Seller-06/24/2026 Counter-Page 211 Condominium Questionnaire Section 5.a. & 5.b. state last building inspection revealed findings related to the safety, soundness, structural integrity or habitability of the projects buildings and repairs/replacements recommended. Guidelines Page 78 Ineligible Projects references regarding critical repairs and deferred maintenance. Missing building inspection from 2025 & 2024. - Due Diligence Vendor-06/24/2026 Ready for Review-MISSING BUILDING INSPECTION IS NOT NORMAL FOR A CONDO PROJECT - WHY IS THIS NEEDED ? - Seller-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-Guidelines Page 74 Owner Occupancy Minimum 40%, One Entity Ownership Maximum 20%. Page 208 Condominium Questionnaire shows Owner Occupancy 16.17% and One Entity Owns 27.72%. Missing Building Inspection, must meet Guidelines. - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/24/2026 Ready for Review-MISSING BUILDING INSPECTION IS NOT NORMAL FOR A CONDO PROJECT - WHY IS THIS NEEDED ? - Seller-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 |
Resolved-Uploaded Ameritrust Non-Warrantable Condo Checklist. Guidelines are not specific for Warrantable or Non-Warrantable. 2025 30 Year Reserve Study appears to meet Guidelines and Florida Statute 553.899. Any repairs noted in Reserve Study have been completed per Page 208 Condominium Questionnaire. Page 15 1073 Appraiser states Condition C3, As Is value, no major physical deficiencies or adverse conditions that affect the livability, soundness or structural integrity of the property. - Due Diligence Vendor-06/25/2026 |
ANNUAL BUDGET (1).pdf UNDERWRITER CONDO WARRANTY (3).pdf |
FL | Investment | Refinance | Cash Out - Other | 9869032 | N/A | N/A | ||||
| XXXX | xxxxx0384 | Closed | 2026-06-22 12:06 | 2026-06-25 13:02 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Uploaded Credit supplement NR/SMS/CAL xxXXXX transferred to XXX xxXXX. - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. - Seller-06/24/2026 Open-Page 267 Credit report NR/SMS/CAL xxXXX mortgage last reported 3/2025. Missing either Credit supplement showing paid or 1003 Schedule of Real Estate property mortgage secured and updated payment history. - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/24/2026 |
Resolved-Uploaded Credit supplement NR/SMS/CAL xxXXX transferred to XXX xxXXX. - Due Diligence Vendor-06/25/2026 |
credit supplement.pdf | FL | Investment | Refinance | Cash Out - Other | 9866250 | N/A | N/A | ||||
| XXXX | xxxxx0384 | Closed | 2026-06-22 12:01 | 2026-06-25 13:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. Uploaded Gap credit report 6/23/2026. - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. - Seller-06/24/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report or Undisclosed Debt Monitoring. - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/24/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. Uploaded Gap credit report 6/23/2026. - Due Diligence Vendor-06/25/2026 |
LQI CREDIT REPORT _ CREDIT REFRESH (8).pdf | FL | Investment | Refinance | Cash Out - Other | 9866105 | N/A | N/A | ||||
| XXXX | xxxxx0384 | Closed | 2026-06-22 13:01 | 2026-06-25 12:56 | Resolved | 1 - Information | C | A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Uploaded Homeowners Association Dues for Primary Residence located at XXXX. Also, for XXXX, and for XXXX, and for XXX. - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. - Seller-06/25/2026 Counter-Uploaded is for Subject property. Missing Homeowners Association Dues for Primary Residence located at XXX. Also, for XXX, and for XXX, and for XXX - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-Missing Homeowners Association Dues for Primary Residence XXX and Investment XXX, XXX, XXXX. - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/25/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 |
Resolved-Uploaded Homeowners Association Dues for Primary Residence located at XXX. Also, for XXX, and for XXX, and for XXX. - Due Diligence Vendor-06/25/2026 |
HOA STATEMENT.pdf XXXX.pdf XXXX.pdf XXXXpdf XXXXs.pdf |
FL | Investment | Refinance | Cash Out - Other | 9868400 | N/A | N/A | ||||
| XXXX | xxxxx0679 | Closed | 2026-06-18 07:29 | 2026-06-29 10:05 | Resolved | 1 - Information | C | A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 Open-Final HUD-1 Closing Date of XXXX is not the same date as the Notary Acknowledgement Date of XXXX. Final HUD-1 Closing Date of XXXX is not the same date as Notary Acknowledgement Date of XXXX. Provide updated HUD-1 document. - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. - Seller-06/26/2026 |
Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-06/29/2026 |
Master Settlement Statement.pdf | CA | Investment | Purchase | NA | 9814080 | N/A | N/A | ||||
| XXXX | xxxxx0679 | Closed | 2026-06-22 16:20 | 2026-06-24 10:14 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Articles of incorporation provided. - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/23/2026 |
Resolved-Articles of incorporation provided. - Due Diligence Vendor-06/24/2026 |
XXX DOCUMENTS - ARTICLES OF INC.pdf | CA | Investment | Purchase | NA | 9874440 | N/A | N/A | ||||
| XXXX | xxxxx0679 | Closed | 2026-06-22 16:05 | 2026-06-24 10:12 | Resolved | 1 - Information | B | A | Credit | Credit Worthiness | Mortgage history for primary residence less than 12 months | Resolved- - Due Diligence Vendor-06/24/2026 Counter-Property profile shows ownership history. No mortgage on property. - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-Provide verification of mortgage for primary housing for the last 12 months. - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/23/2026 |
INVESTOR CONDITIONS (2).pdf | CA | Investment | Purchase | NA | 9874212 | N/A | N/A | |||||
| XXXX | xxxxxx0792 | Closed | 2026-06-22 03:51 | 2026-06-26 15:02 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received with a correct Disbursement Date. - Due Diligence Vendor-06/26/2026 Resolved- - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 Counter-Final Settlement Statement dated 6/17/2026 received. However, this is a Primary Residence subject to TRID rules. A PCCD with the same corresponding information would be required. - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. See attached title final SS w disb of 6/17 - Seller-06/25/2026 Open-The loan disbursement date (2026-06-12) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Two borrowers on the loan. One signed the Closing documents on XXXX and the other signed on XXXX. The borrower that signed the latest on XXXX has a 3-day rescission period, ending on XXXX. However, per the Final CD, the Disbursement Date was XXXX. The borrowers did not have their full rescission period. - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/26/2026 Ready for Review-Document Uploaded. See attached title final SS w disb of 6/17 - Seller-06/25/2026 |
Resolved-PCCD received with a correct Disbursement Date. - Due Diligence Vendor-06/26/2026 |
Title Final SS - disb 6-17.pdf PCCD w disb 6-17.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 9853492 | N/A | N/A | ||||
| XXXX | xxxxxx0792 | Closed | 2026-06-22 07:36 | 2026-06-25 08:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History documents of payments made provided. - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. - Seller-06/25/2026 Open-Housing History Does Not Meet Guideline Requirements Borrower has a current mortgage on the subject primary residence (Private Note) with XXX. File is missing evidence of satisfactory payment history on this Note. - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/25/2026 |
Resolved-Housing History documents of payments made provided. - Due Diligence Vendor-06/25/2026 |
Bk stmt - Proof Feb 2026 payment made_XXX.pdf Bk stmt - Proof of May Payment made_ XXX.pdf 266K Refi final settlement - XXX.pdf Settlement Statement 516K Refi_XXX.pdf XXXX Payment History.pdf Processor Cert regarding payment history for XXXX.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 9860025 | N/A | N/A | ||||
| XXXX | xxxxxx0792 | Closed | 2026-06-22 08:03 | 2026-06-22 13:36 | Resolved | 1 - Information | A | A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Document Uploaded. Closing Documents for the Concurrent Closings on the other 2 properties received. - Due Diligence Vendor-06/22/2026 | Resolved-Document Uploaded. Closing Documents for the Concurrent Closings on the other 2 properties received. - Due Diligence Vendor-06/22/2026 |
Payment Letter - XXXXX.pdf Note - XXXX.pdf HOA - XXXX.pdf Final HUD - XXXXXX.pdf Note - XXXX.pdf Final HUD - XXXX.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 9860282 | N/A | N/A | |||||
| XXXX | xxxxxx0699 | Closed | 2026-06-24 11:52 | 2026-07-01 09:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months). | Resolved-Audited Reserves of 11.05 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-07/01/2026 Resolved-Guidelines state reserves are based on the initial term for interest only. Corrected and we are good on reserves now. - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 Counter-I have added the Principal assets but this is a 401K account so we can only use 70%. Still short on reserves. - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. 1003 WITH ASSETS UPDATED TO REFLECT XXXX AS OWNER OF PRINCIPAL FOR $46704.02 - Seller-06/29/2026 Counter-These assets are in the name of XXXX. We already have 401K assets for B2. Provide 401K assets listed on 1003 for B1. - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. Additional assets for reserves. Amount is listed on our 1003 - Seller-06/26/2026 Counter-XXXX $10,943.13, XXX $1,340.76, XXX $6,325.19, XXX $8,083.15, XXXX $7.49, XXX - 70% of balance $XXXX and XXX $69.95. There was another 401K listed on the 1003 for B1 but no statement was provided. - Due Diligence Vendor-06/26/2026 Ready for Review-Hello, Are you able to provide a breakdown of assets use are using? Thank you! - Seller-06/25/2026 Open-Audited Reserves of 6.24 month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-06/24/2026 |
Ready for Review-Document Uploaded. - Seller-06/30/2026 Ready for Review-Document Uploaded. 1003 WITH ASSETS UPDATED TO REFLECT XXX as Owner OF PRINCIPAL FOR $XXXX - Seller-06/29/2026 Ready for Review-Document Uploaded. Additional assets for reserves. Amount is listed on our 1003 - Seller-06/26/2026 Ready for Review-Hello, Are you able to provide a breakdown of assets use are using? Thank you! - Seller-06/25/2026 |
Resolved-Audited Reserves of 11.05 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-07/01/2026 Resolved-Guidelines state reserves are based on the initial term for interest only. Corrected and we are good on reserves now. - Due Diligence Vendor-07/01/2026 |
RETIREMENT _ 401K.pdf 1003.pdf LOE - reserves.pdf |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9915681 | N/A | N/A | ||||
| XXXX | xxxxxx0699 | Closed | 2026-06-23 00:17 | 2026-07-01 01:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report provided, Verified - Resolved - Due Diligence Vendor-07/01/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 Open-Borrower 2 Gap Credit Report is Missing. - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. - Seller-06/30/2026 |
Resolved-Borrower 2 Gap Credit Report provided, Verified - Resolved - Due Diligence Vendor-07/01/2026 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-07/01/2026 |
LOE - Inquiries.pdf 1003-.pdf 1008.pdf car contract.pdf LQI CREDIT REPORT _ CREDIT REFRESH (9).pdf |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9879924 | N/A | N/A | ||||
| XXXX | xxxxxx0699 | Closed | 2026-06-23 00:32 | 2026-06-26 01:31 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Requested loan approval document provided, updated & condition resolved. - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. - Seller-06/25/2026 Open-Loan Program Document is missing. - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. - Seller-06/25/2026 |
Resolved-Requested loan approval document provided, updated & condition resolved. - Due Diligence Vendor-06/26/2026 |
APPROVAL.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9879958 | N/A | N/A | ||||
| XXXX | xxxxxx0326 | Closed | 2026-06-22 04:08 | 2026-06-23 15:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-TRID: Missing Final Closing Disclosure The Final executed Closing Disclosure is missing from the loan file. - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/23/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/23/2026 |
XXX.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 9853582 | N/A | N/A | ||||
| XXXX | xxxxxx0326 | Closed | 2026-06-22 11:22 | 2026-06-23 13:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax Summary received. Lender did not include the Taxes in the calculation of the other REO on XXX. This raised the property expense, and therefore the DTI as well. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-File is missing evidence of the property tax for the rental property at XXX. (the corresponding mortgage is non-escrowed) - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/23/2026 |
Resolved-Tax Summary received. Lender did not include the Taxes in the calculation of the other REO on Dundee Place. This raised the property expense, and therefore the DTI as well. - Due Diligence Vendor-06/23/2026 |
Tax Summary XXXX.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 9865013 | N/A | N/A | ||||
| XXXX | xxxxx0326 | Closed | 2026-06-22 08:24 | 2026-07-06 08:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. - Seller-07/02/2026 Counter-Corrected 1008/1008 received, changing the Tax from $200 monthly to $79.51 monthly. However, if the tax changed the PITIA, then the lender's DSCR calculation changed as well. A corrected Approval Certificate showing the new DSCR is still missing. - Due Diligence Vendor-07/02/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 Open-Missing Evidence of Property Tax File is missing evidence of the qualifying property tax amount of $200 per month ($2,400 annual). - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/06/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/02/2026 |
1003.pdf 1008.pdf W26040326.pdf |
AR | Investment | Refinance | Cash Out - Other | 9860502 | N/A | N/A | ||||
| XXXX | xxxxx0326 | Closed | 2026-06-22 07:40 | 2026-06-29 23:59 | Resolved | 1 - Information | D | A | Credit | Eligibility | Prepayment Penalty Does Not Meet Guideline Requirements | Resolved-Updated Prepayment Rider & Prepayment Note Addendum provided, Verified - Resolved - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. - Seller-06/29/2026 Open-Per the Prepayment Rider & Prepayment Note Addendum, the PPP period is 60 months. However, it lists only 3 years (36 months) of prepayment penalties (3%, 2%, 1%). - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/29/2026 |
Resolved-Updated Prepayment Rider & Prepayment Note Addendum provided, Verified - Resolved - Due Diligence Vendor-06/30/2026 |
ppp.pdf | AR | Investment | Refinance | Cash Out - Other | 9860070 | N/A | N/A | ||||
| XXXX | xxxxx0324 | Closed | 2026-06-22 23:10 | 2026-07-06 08:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Corrected 1008, 1003, and Approval Cert with new DSCR calculation was all provided. Issue resolved. - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. - Seller-07/02/2026 Counter-Corrected 1008/1008 received, changing the Tax from $200 monthly to $79.51 monthly. However, if the tax changed the PITIA, then the lender's DSCR calculation changed as well. A corrected Approval Certificate showing the new DSCR is still missing. - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/02/2026 Open-Missing Evidence of Property Tax File is missing evidence of the qualifying property tax amount of $200 per month ($2,400 annual). - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. - Seller-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/02/2026 |
Resolved-Corrected 1008, 1003, and Approval Cert with new DSCR calculation was all provided. Issue resolved. - Due Diligence Vendor-07/06/2026 |
INVESTOR CONDITIONS (6).pdf INVESTOR CONDITIONS (7).pdf APPROVAL CERT.pdf |
AR | Investment | Refinance | Cash Out - Other | 9879703 | N/A | N/A | ||||
| XXXX | xxxxx0324 | Closed | 2026-06-29 07:54 | 2026-07-06 08:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/06/2026 Resolved-Corrected 1008 received. - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 Open-1008 Document is Missing The provided 1008 shows an Appraised Value of $XXX (59.927% LTV), but the newly-provided Appraisal and FNMA SSR Report shows an Appraised Value of $XXX(70.000% LTV). - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. - Seller-06/30/2026 |
Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/06/2026 Resolved-Corrected 1008 received. - Due Diligence Vendor-06/30/2026 |
INVESTOR CONDITIONS (4).pdf | AR | Investment | Refinance | Cash Out - Other | 9977115 | N/A | N/A | ||||
| XXXX | xxxxx0324 | Closed | 2026-06-29 07:54 | 2026-07-02 07:54 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Appraised Value & LTV corrected on the 7/01/2026 Approval Cert receieved. - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 Counter-The provided Approval Certificate still shows the same thing. - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. - Seller-06/29/2026 Open-The provided Approval Certificate shows an Appraised Value of $XXXX (59.927% LTV), but the newly-provided Appraisal and FNMA SSR Report shows an Appraised Value of $XXX (70.000% LTV). - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. - Seller-07/01/2026 Ready for Review-Document Uploaded. - Seller-06/29/2026 |
Resolved-Appraised Value & LTV corrected on the 7/01/2026 Approval Cert receieved. - Due Diligence Vendor-07/02/2026 |
APPROVAL CERTIFICATE.pdf APPROVAL CERT.pdf |
AR | Investment | Refinance | Cash Out - Other | 9977116 | N/A | N/A | ||||
| XXXX | xxxxx0324 | Closed | 2026-06-23 08:22 | 2026-06-29 23:52 | Resolved | 1 - Information | D | A | Credit | Eligibility | Prepayment Penalty Does Not Meet Guideline Requirements | Resolved-Updated Prepayment Rider & Prepayment Note Addendum provided, Verified - Resolved - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. - Seller-06/29/2026 Open-Per the Prepayment Rider & Prepayment Note Addendum, the PPP period is 60 months. However, it lists only 3 years (36 months) of prepayment penalties (3%, 2%, 1%). - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. - Seller-06/29/2026 |
Resolved-Updated Prepayment Rider & Prepayment Note Addendum provided, Verified - Resolved - Due Diligence Vendor-06/30/2026 |
ppp.pdf | AR | Investment | Refinance | Cash Out - Other | 9885746 | N/A | N/A | ||||
| XXXX | xxxxx0324 | Closed | 2026-06-24 08:37 | 2026-06-29 07:50 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/27/2026 Counter-The Appraisal provided shows a value of $XXXX. However, the Fannie SSR report provided shows an Appraised Value of $XXXX. This does not match the 1004 Appraisal. - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. - Seller-06/25/2026 Ready for Review-Document Uploaded. CU SCORE IS BELOW 2.5 - Seller-06/25/2026 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The FNMA UCDP/SSR provided is for the appraisal valued at $XXX. However, the qualifying appraisal is $XXX. The FNMA UCDP/SSR for that appraisal (or other secondary valuation) is missing from the file. - Due Diligence Vendor-06/24/2026 |
Ready for Review-Document Uploaded. - Seller-06/27/2026 Ready for Review-Document Uploaded. - Seller-06/25/2026 Ready for Review-Document Uploaded. CU SCORE IS BELOW 2.5 - Seller-06/25/2026 |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/29/2026 |
UCDP _ SSR FNM FRE.pdf APPRAISAL REPORT (1).pdf APPRAISAL REPORT (2).pdf |
AR | Investment | Refinance | Cash Out - Other | 9910669 | N/A | N/A | ||||
| XXXX | xxxxx0470 | Closed | 2026-06-25 11:38 | 2026-06-30 14:56 | Resolved | 1 - Information | D | A | Credit | Eligibility | Missing any document with appraised value on it, stated or appraised at time of Origination. | Resolved-Corrected lender's Approval Certificate received 6/30/2026. - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 Counter-The approval cert provided shows the new $XXX value, but it still shows the old LTV of 60.000%. And the old DSCR value of 1.16. - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/29/2026 Counter-The 1008 and 1003 were corrected to $XXX. However, the most recent Approval Certificate in file (June 15, 2026 7:11 AM PDT) still shows a value of $XXX. - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 Open-The File is missing any document which would indicate the Value of Collateral ( Property) at the time of origination/ Per the 1008, 1003, and Approval Certificate, the property value is $XXX with a corresponding LTV of 60.00%. However, the 1004 Appraisal and FNMA UCDP/SSR report shows a value of $XXX. Either (1) the file is missing the value of $XXX and an explanation why a higher value was used over the 1004, or (2) the 1008, 1003, and Approval Certificate are all incorrect. - Due Diligence Vendor-06/25/2026 |
Ready for Review-Document Uploaded. - Seller-06/30/2026 Ready for Review-Document Uploaded. - Seller-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 |
Resolved-Corrected lender's Approval Certificate received 6/30/2026. - Due Diligence Vendor-06/30/2026 |
cebfb288-fc9e-4ff9-8a4d-73b0eb26f814.pdf LOPrint (18).pdf Approval Cert.pdf pmlapproval (8).pdf |
PA | Investment | Refinance | Cash Out - Other | 9938253 | N/A | N/A | ||||
| XXXX | xxxxx0470 | Closed | 2026-06-25 10:51 | 2026-06-29 08:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/29/2026 Resolved-Corrected 1008 received. - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. - Seller-06/25/2026 Open-The 1008 document is missing from the loan file. The provided 1008 has incorrect information. The PITIA for the subject property ($3,264.50) does not match the HUD or the First Payment Letter ($3,345.24). Therefore, the stated DSCR calculation (1.16%) would be incorrect as well. - Due Diligence Vendor-06/25/2026 |
Ready for Review-Document Uploaded. - Seller-06/25/2026 |
Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/29/2026 Resolved-Corrected 1008 received. - Due Diligence Vendor-06/26/2026 |
LOPrint (16).pdf | PA | Investment | Refinance | Cash Out - Other | 9936033 | N/A | N/A | ||||
| XXXX | xxxxx0470 | Closed | 2026-06-25 11:33 | 2026-06-29 07:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Corrected Approval Certificate received. - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 Open-The provided Approval Certificate has incorrect information. The PITIA for the subject property ($3,264.50) on the 1008 does not match the HUD or the First Payment Letter ($3,345.24). Therefore, the stated DSCR calculation on the Approval Certificate (1.16%) would be incorrect as well. - Due Diligence Vendor-06/25/2026 |
Ready for Review-Document Uploaded. - Seller-06/26/2026 |
Resolved-Corrected Approval Certificate received. - Due Diligence Vendor-06/29/2026 |
39d71f0e-fb08-434d-b5ec-f39a47d3d595.pdf Approval Cert.pdf |
PA | Investment | Refinance | Cash Out - Other | 9938190 | N/A | N/A | ||||
| XXXX | xxxxxx0273 | Closed | 2026-06-23 01:07 | 2026-07-08 10:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months). | Resolved-Updated Asset Statement uploaded, Audited Reserves of 9.76 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s), Verified - Resolved - Due Diligence Vendor-07/08/2026 Resolved-Audited Reserves of 9.76 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. - Seller-07/07/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Required reserves $12,685.28 and available cash out proceeds is $609.28. Shortage of $12,076. Provide assets to cover the shortage reserves. - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. - Seller-07/07/2026 |
Resolved-Updated Asset Statement uploaded, Audited Reserves of 9.76 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s), Verified - Resolved - Due Diligence Vendor-07/08/2026 Resolved-Audited Reserves of 9.76 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-07/08/2026 |
INVESTOR CONDITIONS (9).pdf INVESTOR CONDITIONS (11).pdf INVESTOR CONDITIONS (10).pdf |
CA | Investment | Refinance | No Cash Out - Borrower Initiated | 9880088 | N/A | N/A | ||||
| XXXX | xxxxx0472 | Closed | 2026-06-24 13:30 | 2026-06-26 08:33 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Supplement report provided. - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. - Seller-06/25/2026 Open-Title Coverage Amount of $0 is Less than Loan Amount Title report provided does not show a title coverage amount. - Due Diligence Vendor-06/24/2026 |
Ready for Review-Document Uploaded. - Seller-06/25/2026 |
Resolved-Supplement report provided. - Due Diligence Vendor-06/26/2026 |
SUPP FOR TRAN.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9918007 | N/A | N/A | ||||
| XXXX | xxxxxx0651 | Closed | 2026-06-23 03:01 | 2026-06-30 23:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Updated Driver's License provided, Verified - Resolved - Due Diligence Vendor-07/01/2026 Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. On page#772 we have the DL but unable to identify the expiration date, Provide the updated the DL. - Due Diligence Vendor-06/23/2026 |
Ready for Review-Document Uploaded. - Seller-06/30/2026 |
Resolved-Updated Driver's License provided, Verified - Resolved - Due Diligence Vendor-07/01/2026 Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/01/2026 |
1 Screenshot.pdf | CA | Primary Residence | Purchase | NA | 9880845 | N/A | N/A | ||||
| XXXX | xxxxx0651 | Closed | 2026-06-24 04:00 | 2026-06-30 10:09 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-06/30/2026 Open- - Due Diligence Vendor-06/30/2026 Open- - Due Diligence Vendor-06/30/2026 Open- - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. - Seller-06/29/2026 Counter-This COC was dated 06/08/2026 but the final CD is dated 06/15/2026. Are we missing a revised CD that had the COC? - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 Open- - Due Diligence Vendor-06/26/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Pdi Report. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Pdi Report fees of $55 have been added to the final Closing Disclosure 6/15/2026, however COC for this was provided on 6/8/2026 which is more than 3 days. Provide COC for the same - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 |
Ready for Review-Document Uploaded. - Seller-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 |
Resolved- - Due Diligence Vendor-06/30/2026 |
17867b10-c73c-44ee-a81f-c8adf3046c2e.pdf Closing_Disclosure.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 9906514 | N/A | N/A | ||||
| XXXX | xxxxx0651 | Closed | 2026-06-26 09:32 | 2026-06-29 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Title Signature for Deed of Trust Signoff | Resolved-Document provided. - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 Open-Property is currently vested with XXXX but no quit claim deed provided. - Due Diligence Vendor-06/26/2026 |
Ready for Review-Document Uploaded. - Seller-06/26/2026 |
Resolved-Document provided. - Due Diligence Vendor-06/29/2026 |
07603c43-8ce9-4db8-bf4d-ddfce95534db.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9954923 | N/A | N/A | ||||
| XXXX | xxxxx0764 | Closed | 2026-07-02 09:11 | 2026-07-06 09:55 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient subject rental income documentation. | Resolved-Rent receipts provided. - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. - Seller-07/02/2026 Open-Documentation to support the income calculation for the short term rents is missing from the loan file. Please provide documentation to support the information provided on the income calculation provided. - Due Diligence Vendor-07/02/2026 |
Ready for Review-Document Uploaded. - Seller-07/02/2026 |
Resolved-Rent receipts provided. - Due Diligence Vendor-07/06/2026 |
LEASE _ RENT RECEIPTS.pdf | MI | Investment | Refinance | Cash Out - Other | 10040240 | N/A | N/A | ||||
| XXXX | xxxxx0764 | Closed | 2026-06-29 11:29 | 2026-07-02 09:11 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-DSCR calculation documented. Documentation to support the income calculation for the short term rents is missing from the loan file. Please provide documentation to support the information provided on the income calculation provided. - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 Counter-Documentation reviewed. Please provide additional documentation to support the 1.32 calculation. - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 Open-The calculated DSCR reflected on the loan approval is not supported by the documentation provided in file. Please provide documentation to support the DSCR calculation of 1.11. - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. - Seller-07/01/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 |
Resolved-DSCR calculation documented. Documentation to support the income calculation for the short term rents is missing from the loan file. Please provide documentation to support the information provided on the income calculation provided. - Due Diligence Vendor-07/02/2026 |
APPROVAL CERTIFICATE.pdf dscr calc.pdf INCOME CALCULATION WORKSHEET (4).pdf |
MI | Investment | Refinance | Cash Out - Other | 9980634 | N/A | N/A | ||||
| XXXX | xxxxx0764 | Closed | 2026-06-24 08:36 | 2026-07-01 00:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Updated Page #1 of Final HUD-1 provided, Verified - Resolved - Due Diligence Vendor-07/01/2026 Resolved-Validation Resolved - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 Open-Closing Doc is Missing. We have the HUD-1 in file on page# 247 but 1st page is not visible. Provide the legible d HUD-1. - Due Diligence Vendor-06/24/2026 |
Ready for Review-Document Uploaded. - Seller-06/30/2026 |
Resolved-Updated Page #1 of Final HUD-1 provided, Verified - Resolved - Due Diligence Vendor-07/01/2026 Resolved-Validation Resolved - Due Diligence Vendor-07/01/2026 |
PG 1.pdf | MI | Investment | Refinance | Cash Out - Other | 9910646 | N/A | N/A | ||||
| XXXX | xxxxx0764 | Closed | 2026-06-29 11:40 | 2026-06-29 11:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/29/2026 Open-Housing History Does Not Meet Guideline Requirements House history does not meet guideline requirement. Primary history reflected on the credit report is for 3 months. Please provide documentation to support the additional 9 month requirement. - Due Diligence Vendor-06/29/2026 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/29/2026 |
MI | Investment | Refinance | Cash Out - Other | 9980817 | N/A | N/A | ||||||
| XXXX | xxxxxx0301 | Closed | 2026-06-29 01:49 | 2026-07-06 07:43 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title document with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-07/06/2026 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. - Seller-07/02/2026 Open-Title Coverage Amount of $XXX is Less than Loan Amount The loan amount is $XXXX, while the title insurance coverage amount reflected in the title documentation is only $XXXX. Please provide an updated Title Insurance Policy/Commitment showing coverage in an amount that is greater than or equal to the loan amount of $XXXX. - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. - Seller-07/02/2026 |
Resolved-Requested updated title document with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-07/06/2026 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/06/2026 |
XXX Commitment (2021 v. 01.00 A 07-01-2021).pdf | IL | Investment | Refinance | Cash Out - Other | 9973113 | N/A | N/A | ||||
| XXXX | xxxxx0408 | Closed | 2026-06-26 02:49 | 2026-07-06 13:17 | Acknowledged | 2 - Non-Material | B | B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged-The loan meets HPML guidelines. - Due Diligence Vendor-07/06/2026 Acknowledged- - Due Diligence Vendor-07/06/2026 Acknowledged-The loan meets HPML guidelines. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Acknowledged-The loan's (8.18%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.01%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.51%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) The loan meets HPML guidelines. - Due Diligence Vendor-06/26/2026 Open- - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/26/2026 Open- - Due Diligence Vendor-06/26/2026 |
Acknowledged-The loan meets HPML guidelines. - Due Diligence Vendor-07/06/2026 Acknowledged-The loan meets HPML guidelines. - Due Diligence Vendor-07/06/2026 Acknowledged-The loan's (8.18%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.01%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.51%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) The loan meets HPML guidelines. - Due Diligence Vendor-06/26/2026 |
NC | Primary Residence | Refinance | Cash Out - Other | 9949385 | Investor Post-Close | No | ||||||
| XXXX | xxxxx0408 | Closed | 2026-06-26 03:49 | 2026-07-06 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Uploaded Undiscounted Rate. - Due Diligence Vendor-07/06/2026 Resolved-Undiscounted rate disclosure doc provided. Resolved - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. - Seller-07/03/2026 Open-Provide document to verify undiscounted rate as it is missing in the file - Due Diligence Vendor-06/26/2026 |
Ready for Review-Document Uploaded. - Seller-07/03/2026 |
Resolved-Uploaded Undiscounted Rate. - Due Diligence Vendor-07/06/2026 Resolved-Undiscounted rate disclosure doc provided. Resolved - Due Diligence Vendor-07/06/2026 |
QMSummaryForm.pdf | NC | Primary Residence | Refinance | Cash Out - Other | 9950143 | N/A | N/A | ||||
| XXXX | xxxxx0408 | Closed | 2026-06-26 02:49 | 2026-07-06 11:40 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.18%) APR equals or exceeds the Federal HPML threshold of (8.01%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.51%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 407 and the Final Closing disclosure on Pg#’s 237, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 233. An interior and exterior appraisal was completed for this property – see pg# 62-96 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 122, and confirmation the appraisal was delivered to the borrower – see Pg#’s 219. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Resolved-The loan's (8.18%) APR equals or exceeds the Federal HPML threshold of (8.01%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.51%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 407 and the Final Closing disclosure on Pg#’s 237, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 233. An interior and exterior appraisal was completed for this property – see pg# 62-96 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 122, and confirmation the appraisal was delivered to the borrower – see Pg#’s 219. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/26/2026 Open- - Due Diligence Vendor-06/29/2026 Open- - Due Diligence Vendor-06/26/2026 Open- - Due Diligence Vendor-06/26/2026 |
Resolved-The loan's (8.18%) APR equals or exceeds the Federal HPML threshold of (8.01%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.51%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 407 and the Final Closing disclosure on Pg#’s 237, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 233. An interior and exterior appraisal was completed for this property – see pg# 62-96 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 122, and confirmation the appraisal was delivered to the borrower – see Pg#’s 219. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/06/2026 Resolved-The loan's (8.18%) APR equals or exceeds the Federal HPML threshold of (8.01%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.51%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 407 and the Final Closing disclosure on Pg#’s 237, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 233. An interior and exterior appraisal was completed for this property – see pg# 62-96 the appraisal disclosure was provided to the borrower(s)- see Pg#’s 122, and confirmation the appraisal was delivered to the borrower – see Pg#’s 219. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/26/2026 |
NC | Primary Residence | Refinance | Cash Out - Other | 9949383 | N/A | N/A | ||||||
| XXXX | xxxxx5386 | Closed | 2026-07-02 06:49 | 2026-07-07 08:19 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-07/07/2026 Resolved-SSN used as EIN as borrower is Sole Member & condition resolved. - Due Diligence Vendor-07/07/2026 Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. Single member entity does not need EIN. - Seller-07/06/2026 Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. There is no EIN in any document. Need Entity formation document with EIN to verify. - Due Diligence Vendor-07/02/2026 |
Ready for Review-Document Uploaded. Single member entity does not need EIN. - Seller-07/06/2026 |
Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-07/07/2026 Resolved-SSN used as EIN as borrower is Sole Member & condition resolved. - Due Diligence Vendor-07/07/2026 Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-07/07/2026 |
XXX Docs.pdf | FL | Investment | Purchase | NA | 10038474 | N/A | N/A | ||||
| XXXX | xxxxx5386 | Closed | 2026-07-02 04:31 | 2026-07-02 16:32 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Ineligible Borrower per program guidelines. | Waived-Guidelines do not allow entity to sign note Personal Guaranty with Full Recourse DSCR is 1.016 Minimum required per guidelines is 1 Borrower contribution is over 25% of sale price as per guidelines Borrower contribution >5% above min is 10% of sales price - Due Diligence Vendor-07/02/2026 |
Waived-Guidelines do not allow entity to sign note Personal Guaranty with Full Recourse DSCR is 1.016 Minimum required per guidelines is 1 Borrower contribution is over 25% of sale price as per guidelines Borrower contribution >5% above min is 10% of sales price - Due Diligence Vendor-07/02/2026 |
FL | Investment | Purchase | NA | 10036467 | Originator Pre-Close | Yes | ||||||
| XXXX | xxxxxx0746 | Closed | 2026-06-30 11:33 | 2026-07-24 09:53 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Exception provided. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. - Seller-07/24/2026 Open-Gift funds are only allowed on purchase transactions. - Due Diligence Vendor-06/30/2026 |
Ready for Review-Document Uploaded. - Seller-07/24/2026 |
Waived-Exception provided. - Due Diligence Vendor-07/24/2026 |
ATM Exception Request Form.pdf | 40.54% LTV is below the maximum 75% LTV by 34.46% 25.7% DTI is below the maximum 50% by 24.3% 786 credit score exceeds the minimum required of 660 by 126 points |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10002844 | Originator Post-Close | Yes | |||
| XXXX | xxxxx0691 | Closed | 2026-07-01 13:28 | 2026-07-08 08:19 | Resolved | 1 - Information | B | A | Credit | Credit | Purchase contract and/or addendums - | Resolved-Receipt of EMD received. $XXX + $XXX = $XXX total. - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. the purchase contract under #5 earnest money and termination option shows $XXX & XXX which equals the $XXX. i have uploaded the purchase contract again - Seller-07/07/2026 Counter-Please provide the addendum to the contract referencing the change in deposit to $XXX. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 Open-Unable to locate the earnest money deposit addendum in the amount of $XXX. - Due Diligence Vendor-07/01/2026 |
Ready for Review-Document Uploaded. the purchase contract under #5 earnest money and termination option shows $XXX & $XXX which equals the $XXX. i have uploaded the purchase contract again - Seller-07/07/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 |
Resolved-Receipt of EMD received. $4,690 + $125 = $4,815 total. - Due Diligence Vendor-07/08/2026 |
EARNEST MONEY DEPOSIT.pdf PURCHASE CONTRACT earnest money equals $4815.pdf |
TX | Investment | Purchase | NA | 10026354 | N/A | N/A | ||||
| XXXX | xxxxxx0471 | Closed | 2026-06-30 09:15 | 2026-07-02 00:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Updated HUD uploaded reflecting EMD $50k, Verified - Resolved - Due Diligence Vendor-07/02/2026 Resolved-Validation Resolved - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 Open-Closing Doc is Missing. The Earnest Money Deposit (EMD) of $50,000 was wired to closing; however, the HUD-1 does not reflect the EMD as a credit or deposit. Despite this omission, the cash required from the borrower of $XXXX appears to have been calculated after applying the $50,000 EMD, indicating the funds may have been considered in the final settlement figures. - Due Diligence Vendor-06/30/2026 |
Ready for Review-Document Uploaded. - Seller-07/01/2026 |
Resolved-Updated HUD uploaded reflecting EMD $50k, Verified - Resolved - Due Diligence Vendor-07/02/2026 Resolved-Validation Resolved - Due Diligence Vendor-07/02/2026 |
HUD reflecting $50,000 emd.pdf | CA | Investment | Purchase | NA | 9999376 | N/A | N/A | ||||
| XXXX | xxxxx0739 | Closed | 2026-06-29 05:24 | 2026-07-08 12:47 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Uploaded all pages XXX xx2019 statement. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. - Seller-07/06/2026 Counter-Please upload all pages 1-8. - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 Open-Asset Record 1 Does Not Meet G/L Requirements . As per the final 1003 we have the Retirement amount of $98,201.68 where as proof of document is missing in file to verify post close reserves. - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. - Seller-07/06/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 |
Resolved-Uploaded all pages XXXX statement. - Due Diligence Vendor-07/07/2026 |
BANK STATEMENTS.pdf F1CA6C2D-2877-4E4C-BB47-B8E80221F5CC.pdf_4305.pdf |
CA | Investment | Refinance | No Cash Out - Borrower Initiated | 9975456 | N/A | N/A | ||||
| XXXX | xxxxx0739 | Closed | 2026-06-30 20:13 | 2026-07-08 12:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Uploaded OFAC for Entity. - Due Diligence Vendor-07/08/2026 Resolved-Missing Third Party Fraud Report - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. - Seller-07/07/2026 Ready for Review-Document Uploaded. - Seller-07/07/2026 Counter-Guidelines Page 24 OFAC search required. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. - Seller-07/06/2026 Open-Missing Third Party Fraud Report . MIssing OFAC for In the XXX. - Due Diligence Vendor-07/01/2026 |
Ready for Review-Document Uploaded. - Seller-07/07/2026 Ready for Review-Document Uploaded. - Seller-07/07/2026 Ready for Review-Document Uploaded. - Seller-07/06/2026 |
Resolved-Uploaded OFAC for Entity. - Due Diligence Vendor-07/08/2026 Resolved-Missing Third Party Fraud Report - Due Diligence Vendor-07/08/2026 |
LDP.pdf XXXX_ Search.pdf Sanctions List Search.pdf OFAC.pdf |
CA | Investment | Refinance | No Cash Out - Borrower Initiated | 10011754 | N/A | N/A | ||||
| XXXX | xxxxx0739 | Closed | 2026-06-29 07:02 | 2026-07-02 01:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Rent Free Letter uploaded, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-07/02/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. - Seller-07/01/2026 Open-Housing History Does Not Meet Guideline Requirements .As per the final 1003 borrower has No primary Housing expenses for Primary Residence "XXXX." Missing Letter of explanation Borrower is not obligated for housing expenses. - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. - Seller-07/01/2026 |
Resolved-Rent Free Letter uploaded, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-07/02/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/02/2026 |
LOE LIVING RENT FREE.pdf | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 9976434 | N/A | N/A | ||||
| XXXX | xxxxx4244 | Closed | 2026-07-02 09:11 | 2026-07-07 17:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 provided and complete. Resolved - Due Diligence Vendor-07/07/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. - Seller-07/06/2026 Open-The 1008 document is missing from the loan file. Loan amount wrongly updated in 1008 as $XXX instead of $XXX, LTV does not match. As per Note, Deed of Trust and HUD Loan amount is XXX - Due Diligence Vendor-07/02/2026 |
Ready for Review-Document Uploaded. - Seller-07/06/2026 |
Resolved-1008 provided and complete. Resolved - Due Diligence Vendor-07/07/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/07/2026 |
XXXX.pdf | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 10040245 | N/A | N/A | ||||
| XXXX | xxxxx0200 | Closed | 2026-07-02 01:17 | 2026-07-08 00:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract & Addendum uploaded, Verified - Resolved - Due Diligence Vendor-07/08/2026 Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. - Seller-07/07/2026 Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Purchase Contract is missing from the loan file. Please provide. - Due Diligence Vendor-07/02/2026 |
Ready for Review-Document Uploaded. - Seller-07/07/2026 |
Resolved-Purchase Contract & Addendum uploaded, Verified - Resolved - Due Diligence Vendor-07/08/2026 Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-07/08/2026 |
PURCHASE CONTRACT ADDENDUM.pdf PURCHASE CONTRACT ADDENDUM (1).pdf PURCHASE CONTRACT.pdf PURCHASE CONTRACT (1).pdf |
CA | Primary Residence | Purchase | NA | 10034698 | N/A | N/A | ||||
| XXXX | xxxxx0000 | Closed | 2026-07-02 06:22 | 2026-07-08 15:05 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Change of Circumstance Lender Credit $0. - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. - Seller-07/07/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($150.00) were applied to the total fee variance of ($2,843.50) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credit fee decreased from Initial Loan Estimate $432. Initial Closing Disclosure $0. Final Closing Disclosure $45. Missing Change of Circumstance. - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/06/2026 Open- - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/02/2026 |
Ready for Review-Document Uploaded. - Seller-07/07/2026 |
Resolved-Change of Circumstance Lender Credit $0. - Due Diligence Vendor-07/08/2026 |
ChangeOfCircumstancesNew.aspx.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 10038153 | N/A | N/A | ||||
| XXXX | xxxxx0000 | Closed | 2026-07-06 15:24 | 2026-07-08 14:59 | Resolved | 1 - Information | C | A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Uploaded hazard insurance and property profile XXX. Manufactured home without HOA, Land owned not Leased/Lot Rent. - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. PER PG 5 - PUBLIC RECORD - NO HOA - Seller-07/07/2026 Open-Page 592 Property Profile for XXXX shows Borrowers are Owners. Missing from documentation for Hazard Insurance and if applicable, for Homeowners Association Dues. - Due Diligence Vendor-07/06/2026 |
Ready for Review-Document Uploaded. PER PG 5 - PUBLIC RECORD - NO HOA - Seller-07/07/2026 |
Resolved-Uploaded hazard insurance and property profile XXXXX. Manufactured home without HOA, Land owned not Leased/Lot Rent. - Due Diligence Vendor-07/08/2026 |
XXXX no HOA.pdf PITIA FOR OTHER REO (BUNDLE) (1).pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 10077746 | N/A | N/A | ||||
| XXXX | xxxxx0000 | Closed | 2026-07-02 11:39 | 2026-07-08 14:53 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Uploaded 1003 Schedule of Real Estate updated. - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. - Seller-07/07/2026 Open-Page 592 Property Profile for XXX shows Borrowers are Owners. Missing from Schedule of Real Estate. - Due Diligence Vendor-07/02/2026 |
Ready for Review-Document Uploaded. - Seller-07/07/2026 |
Resolved-Uploaded 1003 Schedule of Real Estate updated. - Due Diligence Vendor-07/08/2026 |
_1003_19_BorrowerInformation_Pdf.aspx.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 10044452 | N/A | N/A | ||||
| XXXX | xxxxx5484 | Closed | 2026-07-07 15:27 | 2026-07-07 15:27 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-07/07/2026 |
Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-07/07/2026 |
Borrower contribution is 30% of sale price as per guidelines Borrower Contribution >5% above min is 10% of sales price Qualifying Reserves 27 and Guideline Reserves 2 months Housing Payment history qualifying 0x30x12 mo and guideline requirement is 1x30x12 |
FL | Investment | Purchase | NA | 10103003 | Originator Pre-Close | Yes | |||||
| XXXX | xxxxxx0149 | Closed | 2026-07-07 11:05 | 2026-07-09 11:11 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-07/09/2026 Resolved-By-Laws and Stock Certificate provided for XXX. - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. - Seller-07/07/2026 Open-Entity Formation Doc Indicator is Missing. Please provide Operating agreement for XXX - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. - Seller-07/07/2026 |
Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-07/09/2026 Resolved-By-Laws and Stock Certificate provided for XXX - Due Diligence Vendor-07/08/2026 |
XXX DOCUMENTS - OPERATING AGREEMENT 1.pdf XXX DOCUMENTS - OPERATING AGREEMENT 2.pdf |
CA | Investment | Refinance | Cash Out - Other | 10096396 | N/A | N/A | ||||
| XXXX | xxxxxx0149 | Closed | 2026-07-07 11:17 | 2026-07-08 10:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Revised 1003 provided for the borrower's primary residence. Resolved. - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. correct 1003. Property is borrowers primary residence - Seller-07/07/2026 Open-Per the loan application, the borrower has resided at XXXX for the past eight years and appears to currently occupy the property as their residence. However, Section 3 of the 1003 identifies XXXX as an investment property. This information appears to be inconsistent with the borrower's reported occupancy history. Please clarify the occupancy status of XXXX and provide an updated 1003, if applicable, to accurately reflect the borrower's ownership and occupancy of the property. - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. correct 1003. Property is borrowers primary residence - Seller-07/07/2026 |
Resolved-Revised 1003 provided for the borrower's primary residence. Resolved. - Due Diligence Vendor-07/08/2026 |
1003-.pdf | CA | Investment | Refinance | Cash Out - Other | 10096911 | N/A | N/A | ||||
| XXXX | xxxxxx0149 | Closed | 2026-07-07 11:25 | 2026-07-08 10:02 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/08/2026 Resolved-Supplement Report reflects title coverage of the subject loan amount. Resolved. - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. - Seller-07/07/2026 Open-Title Coverage Amount of $0 is Less than Loan Amount The title report in the file does not reflect the coverage amount. Please provide a title report or title commitment showing sufficient title insurance coverage for the transaction. - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. - Seller-07/07/2026 |
Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/08/2026 Resolved-Supplement Report reflects title coverage of the subject loan amount. Resolved. - Due Diligence Vendor-07/08/2026 |
TITLE SUPPLEMENT (5).pdf | CA | Investment | Refinance | Cash Out - Other | 10097403 | N/A | N/A | ||||
| XXXX | xxxxxx0149 | Closed | 2026-07-07 06:32 | 2026-07-08 00:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval Document uploaded, Verified - Resolved - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. - Seller-07/07/2026 Open-Provide Loan approval document as it is missing in the file - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. - Seller-07/07/2026 |
Resolved-Loan Approval Document uploaded, Verified - Resolved - Due Diligence Vendor-07/08/2026 |
APPROVAL CERTIFICATE.pdf | CA | Investment | Refinance | Cash Out - Other | 10089384 | N/A | N/A | ||||
| XXXX | xxxxxx0552 | Closed | 2026-07-08 01:45 | 2026-07-14 08:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/14/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. - Seller-07/13/2026 Open-Missing Third Party Fraud Report Provide Third Party Fraud Report as it is missing in the file - Due Diligence Vendor-07/08/2026 |
Ready for Review-Document Uploaded. - Seller-07/13/2026 |
Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/14/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/14/2026 |
FRAUD REPORT.pdf | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 10108770 | N/A | N/A | ||||
| XXXX | xxxxxx0552 | Closed | 2026-07-08 01:16 | 2026-07-13 23:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/14/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. - Seller-07/13/2026 Open-Missing Evidence of Property Tax Provide Evidence of Property Tax as it is missing in the file - Due Diligence Vendor-07/08/2026 |
Ready for Review-Document Uploaded. - Seller-07/13/2026 |
Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/14/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/14/2026 |
TAX CERTIFICATE.pdf | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 10108458 | N/A | N/A | ||||
| XXXX | xxxxxx0552 | Closed | 2026-07-08 01:26 | 2026-07-13 23:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/14/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. - Seller-07/13/2026 Open-Missing Hazard Insurance Policy Provide Hazard Insurance Policy as it is missing in the file - Due Diligence Vendor-07/08/2026 |
Ready for Review-Document Uploaded. - Seller-07/13/2026 |
Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/14/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/14/2026 |
HAZARD INSURANCE - HO-3.pdf HAZARD INSURANCE REPLACEMENT COST ESTIMATE.pdf |
TX | Investment | Refinance | No Cash Out - Borrower Initiated | 10108549 | N/A | N/A | ||||
| XXXX | xxxxxx0683 | Closed | 2026-07-08 04:03 | 2026-07-16 10:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/16/2026 Waived-Formal exception attached to finding. $165,156 reserves exceed the minimum required of $6,196 exceeds the minimum by 27 months over the required minimum. Borrower has owned subject investment property 24 years. Investor has 24 years of experience with investment properties. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-07/16/2026 Open-Per Guidelines Max LTV for 2-4 unit is 70%, LTV Exceeds Guidelines - Due Diligence Vendor-07/09/2026 Rescinded-Audited LTV Exceeds Guideline LTV Audited LTV 75% meets Guideline LTV 75% - Due Diligence Vendor-07/08/2026 |
Documentation is uploaded. - 07/16/2026 |
Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/16/2026 Waived-Formal exception attached to finding. $XXXXX reserves exceed the minimum required of $6,196 exceeds the minimum by 27 months over the required minimum. Borrower has owned subject investment property 24 years. Investor has 24 years of experience with investment properties. - Due Diligence Vendor-07/16/2026 Rescinded-Audited LTV Exceeds Guideline LTV Audited LTV 75% meets Guideline LTV 75% - Due Diligence Vendor-07/08/2026 |
ATM Exception Request Form.pdf | $165,156 reserves exceed the minimum required of $6,196 exceeds the minimum by 27 months over the required minimum. Borrower has owned subject investment property 24 years. Investor has 24 years of experience with investment properties. |
VA | Investment | Refinance | Cash Out - Other | 10110478 | Originator Post-Close | Yes | |||
| XXXX | xxxxxx0209 | Closed | 2026-07-16 08:11 | 2026-07-17 08:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy reflecting accurate premium of $4,375.80 is fully present. Finding is resolved. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. - Seller-07/16/2026 Open-Hazard Insurance Policy Partially Provided The insurance policy in the file shows the premium of $4,155.80. The lender used the premium of $4,375.80. Unable to locate the policy that reflects $4,375.80 premium. - Due Diligence Vendor-07/16/2026 |
Ready for Review-Document Uploaded. - Seller-07/16/2026 |
Resolved-Hazard Insurance Policy reflecting accurate premium of $4,375.80 is fully present. Finding is resolved. - Due Diligence Vendor-07/17/2026 |
HAZARD INSURANCE - HO-3 (2).pdf | FL | Investment | Refinance | Cash Out - Other | 10288060 | N/A | N/A | ||||
| XXXX | xxxxxx0481 | Closed | 2026-07-14 07:17 | 2026-07-23 23:22 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Supplement Report uploaded, Title Coverage Amount of $1400000 is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-07/24/2026 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. - Seller-07/23/2026 Open-Title Coverage Amount of XXXX is Less than Loan Amount $XXXXX. Provide updated document - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. - Seller-07/23/2026 |
Resolved-Title Supplement Report uploaded, Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-07/24/2026 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/24/2026 |
PIL.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10226699 | N/A | N/A | ||||
| XXXX | xxxxxx0481 | Closed | 2026-07-14 06:44 | 2026-07-22 09:49 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-07/22/2026 Open-Reviewing - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. - Seller-07/21/2026 Open-The loan disbursement date (2026-07-08) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-07-08). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date (2026-07-08) is on the same day as, the calculated "Right to Cancel Expire Date" (2026-07-08). - Due Diligence Vendor-07/14/2026 Open- - Due Diligence Vendor-07/14/2026 Open- - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. - Seller-07/21/2026 |
Resolved-Resolved - Due Diligence Vendor-07/22/2026 |
PCCD _ POST CONSUMMATION CD (60).pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10226042 | N/A | N/A | ||||
| XXXX | xxxxxx0481 | Closed | 2026-07-14 06:44 | 2026-07-22 09:39 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. - Seller-07/21/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan origination fee in Initial CD (6/10/2026) $10,312.50 is increased to $10,500.00 in final CD (7/2/2026). Provide COC - Due Diligence Vendor-07/14/2026 Open- - Due Diligence Vendor-07/14/2026 Open- - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. - Seller-07/21/2026 |
Resolved- - Due Diligence Vendor-07/22/2026 |
COC-.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10226041 | N/A | N/A | ||||
| XXXX | xxxxxx0481 | Closed | 2026-07-14 07:15 | 2026-07-21 00:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 Document uploaded, Verified - Resolved - Due Diligence Vendor-07/21/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/21/2026 Ready for Review-UPDATED 1008 - Seller-07/20/2026 Open-The 1008 document is missing from the loan file. Loan Amount in 1008 is $XXXX however actual loan amount as per Note/ Final CD is $XXXX. Provide updated document - Due Diligence Vendor-07/14/2026 |
Ready for Review-UPDATED 1008 - Seller-07/20/2026 |
Resolved-1008 Document uploaded, Verified - Resolved - Due Diligence Vendor-07/21/2026 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/21/2026 |
transmittal_19_pdf.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10226639 | N/A | N/A | ||||
| XXXX | xxxxx0039 | Closed | 2026-07-23 03:42 | 2026-08-25 10:30 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months). | Waived- - Due Diligence Vendor-08/25/2026 Ready for Review-Document Uploaded. - Seller-08/24/2026 Open-Audited Reserves of 5.2 month(s) are less than Guideline Required Reserves of 6 month(s) The total of verified assets is $314,998.01, however Cash Required from Borrower towards closing is $267,878.37, whereas the total of required reserves is $54,384.48 ($9,064.08*6), which the verified assets are insufficient to cover both. - Due Diligence Vendor-07/23/2026 |
Ready for Review-Document Uploaded. - Seller-08/24/2026 |
ATM Exception Request Form.pdf | 11.21% DTI is below the maximum 50% DTI by 38.79%. 750 Representative credit score exceeds the minimum required of 660 by 90 points |
CA | Primary Residence | Purchase | NA | 10420148 | Originator Post-Close | Yes | ||||
| XXXX | xxxxx0039 | Closed | 2026-07-28 13:55 | 2026-07-31 10:07 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-07/31/2026 Open-COCs have been input and still getting condition. - Due Diligence Vendor-07/31/2026 Open- - Due Diligence Vendor-07/31/2026 Open- - Due Diligence Vendor-07/31/2026 Ready for Review-Document Uploaded. - Seller-07/30/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($17,063.00). The Last CD shows a total lender credit amount of ($12,688.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-07/28/2026 Open- - Due Diligence Vendor-07/28/2026 |
Ready for Review-Document Uploaded. - Seller-07/30/2026 |
Resolved-Resolved - Due Diligence Vendor-07/31/2026 |
COC dated 7-2 - LC $0.00.pdf COC dated 7-2 - LC $11,943.75.pdf COC dated 7-10 - LC $10,140.pdf |
CA | Primary Residence | Purchase | NA | 10496453 | N/A | N/A | ||||
| XXXX | xxxxx0039 | Closed | 2026-07-23 03:56 | 2026-07-31 10:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Missing LEs and CDs provided. - Due Diligence Vendor-07/31/2026 Ready for Review-Document Uploaded. - Seller-07/30/2026 Open-TRID: Missing Closing Disclosure Missing Initial closing disclosure to perform mavent test. Missing Loan estimates and additional CD's in the file as per COC provided on pg#114, 115, 116 and 117 #114 = Date of change 06/11/2026 and ReDisclosure date is 06/11/2026 #115 = Date of change 07/02/2026 and ReDisclosure date is 07/02/2026 #116 = Date of change 07/02/2026 and ReDisclosure date is 07/06/2026 #117 = Date of change 07/10/2026 and ReDisclosure date is 07/13/2026 - Due Diligence Vendor-07/23/2026 |
Ready for Review-Document Uploaded. - Seller-07/30/2026 |
Resolved-Missing LEs and CDs provided. - Due Diligence Vendor-07/31/2026 |
LE dated 6-11.pdf LE dated 7-6.pdf ICD dated 7-13.pdf LE dated 6-2.pdf LE dated 7-2.pdf |
CA | Primary Residence | Purchase | NA | 10420234 | N/A | N/A | ||||
| XXXX | xxxxx0039 | Closed | 2026-07-28 13:55 | 2026-07-31 10:00 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-07/31/2026 Open- - Due Diligence Vendor-07/31/2026 Ready for Review-Document Uploaded. - Seller-07/30/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Attorney's Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/28/2026 Open- - Due Diligence Vendor-07/28/2026 |
Ready for Review-Document Uploaded. - Seller-07/30/2026 |
Resolved- - Due Diligence Vendor-07/31/2026 |
COC dated 6-11 - atty fee $150.pdf | CA | Primary Residence | Purchase | NA | 10496454 | N/A | N/A | ||||
| XXXX | xxxxx0130 | Closed | 2026-08-06 22:46 | 2026-08-12 08:47 | Resolved | 1 - Information | C | A | Credit | Credit | Escrow information insufficient or has discrepancy | Resolved-Evidence of second insurance policy provided. Resolved. - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. - Seller-08/10/2026 Open-Final Settlement Statement reflects monthly Property Insurance amount of $78.33. Calculated monthly Property Insurance amount of $104.75 per evidence of 2 hazard insurance policies in the file for $78.33 (XXXX) and $25.92 (California Fair Plan). Provide clarification for discrepancy. - Due Diligence Vendor-08/07/2026 |
Ready for Review-Document Uploaded. - Seller-08/10/2026 |
Resolved-Evidence of second insurance policy provided. Resolved. - Due Diligence Vendor-08/12/2026 |
d367ed8b-eddc-40d7-956f-b0170fe52693.pdf | CA | Investment | Refinance | Cash Out - Other | 10677193 | N/A | N/A | ||||
| XXXX | xxxxx0130 | Closed | 2026-07-30 08:43 | 2026-08-06 22:57 | Resolved | 1 - Information | C | A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Other Property Insurance, California Fair Plan, reflects an Effective Date of XXXX is after the Note Date of XXXX. Final Borrower's Settlement Statement provided with a Disbursement Date of 07/30/2026. Resolved. - Due Diligence Vendor-08/07/2026 Ready for Review-Document Uploaded. Policy effective date is XXXX - Seller-08/05/2026 Open-Other Property Insurance Policy Effective Date of XXXX is after the Note Date of XXXXX Other policy effective date is after the disbursement date. - Due Diligence Vendor-07/30/2026 |
Ready for Review-Document Uploaded. Policy effective date is 07.20.2026 - Seller-08/05/2026 |
Resolved-Other Property Insurance, California Fair Plan, reflects an Effective Date of XXX is after the Note Date of XXXX. Final Borrower's Settlement Statement provided with a Disbursement Date of XXXX. Resolved. - Due Diligence Vendor-08/07/2026 |
647f1a4b-4ef2-4375-8dec-416112d39643.pdf | CA | Investment | Refinance | Cash Out - Other | 10533367 | N/A | N/A | ||||
| XXXX | xxxxx0130 | Closed | 2026-07-31 21:07 | 2026-08-06 22:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Borrower's Final Settlement Statement provided. Resolved. - Due Diligence Vendor-08/07/2026 Ready for Review-Document Uploaded. - Seller-08/05/2026 Open-Closing Doc is Missing. Settlement Statement evidenced in the file reflects a Settlement Date of 07/23/2026 and Disbursement Date of 07/24/2026 with a Signature Date of 07/27/2026. Missing the Final Settlement. - Due Diligence Vendor-08/01/2026 |
Ready for Review-Document Uploaded. - Seller-08/05/2026 |
Resolved-Borrower's Final Settlement Statement provided. Resolved. - Due Diligence Vendor-08/07/2026 |
414de267-7979-43ed-b9fc-99e859b0e23f.pdf | CA | Investment | Refinance | Cash Out - Other | 10575118 | N/A | N/A | ||||
| XXXX | xxxxx0130 | Closed | 2026-07-31 21:13 | 2026-08-06 22:33 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/07/2026 Resolved-Title Loan Policy provided with subject loan coverage of $XXXX. Resolved. - Due Diligence Vendor-08/07/2026 Ready for Review-Document Uploaded. - Seller-08/06/2026 Open-Title Coverage Amount of $0 is Less than Loan Amount Preliminary Report is missing a title coverage amount. - Due Diligence Vendor-08/01/2026 |
Ready for Review-Document Uploaded. - Seller-08/06/2026 |
Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/07/2026 Resolved-Title Loan Policy provided with subject loan coverage of $XXXX. Resolved. - Due Diligence Vendor-08/07/2026 |
XXXX Loan Policy.pdf | CA | Investment | Refinance | Cash Out - Other | 10575174 | N/A | N/A | ||||
| XXXX | xxxxxx0623 | Closed | 2026-07-31 07:21 | 2026-08-07 01:59 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right to Cancel is Missing or Unexecuted | Resolved-Right to cancel document provided. Hence resolved - Due Diligence Vendor-08/07/2026 Ready for Review-Document Uploaded. - Seller-08/06/2026 Open-. - Due Diligence Vendor-08/05/2026 Resolved-This is the non-rescission form. We need to notice of right to cancel with an ending date of XXXX. - Due Diligence Vendor-08/05/2026 Ready for Review-Document Uploaded. - Seller-08/03/2026 Open-Right to Cancel is Missing. - Due Diligence Vendor-07/31/2026 |
Ready for Review-Document Uploaded. - Seller-08/06/2026 Ready for Review-Document Uploaded. - Seller-08/03/2026 |
Resolved-Right to cancel document provided. Hence resolved - Due Diligence Vendor-08/07/2026 Resolved-This is the non-rescission form. We need to notice of right to cancel with an ending date of XXXX. - Due Diligence Vendor-08/05/2026 |
RTC.pdf MISC. CLOSING DOCUMENTS (4).pdf owens rtc.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 10556383 | N/A | N/A | ||||
| XXXX | xxxxxx0623 | Closed | 2026-07-31 06:27 | 2026-08-06 10:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final 1003 provided. - Due Diligence Vendor-08/06/2026 Ready for Review-Document Uploaded. - Seller-08/05/2026 Counter-This is not the final 1003, this was signed 05/28/2026. - Due Diligence Vendor-08/04/2026 Ready for Review-Document Uploaded. - Seller-08/03/2026 Open-The Final 1003 is Missing from file - Due Diligence Vendor-07/31/2026 |
Ready for Review-Document Uploaded. - Seller-08/05/2026 Ready for Review-Document Uploaded. - Seller-08/03/2026 |
Resolved-Final 1003 provided. - Due Diligence Vendor-08/06/2026 |
final 1003.pdf XXXX - Part 5.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 10555412 | N/A | N/A | ||||
| XXXX | xxxxxx0623 | Closed | 2026-07-31 07:45 | 2026-08-05 23:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Acknowledgment of Fair Market Value of Homestead Property is Missing | Resolved-Acknowledgment of Fair Market Value of Homestead Property document provided. Hence resolved - Due Diligence Vendor-08/06/2026 Ready for Review-Document Uploaded. - Seller-08/05/2026 Open-Acknowledgment of Fair Market Value of Homestead Property is Missing - Due Diligence Vendor-07/31/2026 |
Ready for Review-Document Uploaded. - Seller-08/05/2026 |
Resolved-Acknowledgment of Fair Market Value of Homestead Property document provided. Hence resolved - Due Diligence Vendor-08/06/2026 |
fair market value.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 10557033 | N/A | N/A | ||||
| XXXX | xxxxxx0623 | Closed | 2026-08-03 13:02 | 2026-08-05 10:05 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements. | Waived-Exception provided. - Due Diligence Vendor-08/05/2026 Ready for Review-Document Uploaded. - Seller-08/04/2026 Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% P&L only allows 70% per GL matrix - Due Diligence Vendor-08/03/2026 |
Ready for Review-Document Uploaded. - Seller-08/04/2026 |
Waived-Exception provided. - Due Diligence Vendor-08/05/2026 |
INTERNAL EXCEPTION APPROVAL.pdf | 31.72% DTI is below the maximum 50% DTI by 18.28%. $209,448 reserves exceed the minimum required of $59,363 exceeds the minimum by 4 months over the required minimum. Borrower has been employed in same career for 30 years. 0x30 mortgage history for 43 months. |
TX | Primary Residence | Refinance | Cash Out - Other | 10598185 | Originator Post-Close | Yes | |||
| XXXX | xxxxxx0623 | Closed | 2026-07-31 07:21 | 2026-08-05 09:40 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-08/05/2026 Ready for Review-Document Uploaded. - Seller-08/04/2026 Open-A Lender Credit for Excess Charges of ($175.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($175.00) were applied to the total fee variance of ($978.75) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-08/03/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($175.00) were applied to the total fee variance of ($978.75) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Provide coc for final CD dated 07/26/2026 for points fee. - Due Diligence Vendor-07/31/2026 Open- - Due Diligence Vendor-07/31/2026 Open- - Due Diligence Vendor-07/31/2026 |
Ready for Review-Document Uploaded. - Seller-08/04/2026 |
Resolved-Resolved - Due Diligence Vendor-08/05/2026 |
XXXX.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 10556392 | N/A | N/A | ||||
| XXXX | xxxxxx0623 | Closed | 2026-07-31 07:44 | 2026-08-04 10:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-Documents provided. - Due Diligence Vendor-08/04/2026 Ready for Review-Document Uploaded. - Seller-08/03/2026 Open-Texas Home Equity Receipt Of Documents is Missing - Due Diligence Vendor-07/31/2026 |
Ready for Review-Document Uploaded. - Seller-08/03/2026 |
Resolved-Documents provided. - Due Diligence Vendor-08/04/2026 |
TX home equity docs.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 10557025 | N/A | N/A |