Exhibit 99.3
Schedule 3 - Clarifii Rating Agency Grades Detail Report
| Loan ID | Seller Loan ID | Redaction ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| XXXX | XXXX | 994 | C | A | C | A | A | A | A | A | Closed | FCRE0108 | 2026-06-15 14:28 | 2026-07-09 12:32 | Resolved | 1 - Information | C | A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received evidence of Fidelity Coverage with a limit of $150000. - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. - Seller-07/08/2026 Open-Fidelity Coverage not met. No evidence of fidelity/crime coverage shows on master policy. Guidelines silent, referred to XXXX. - Due Diligence Vendor-06/15/2026 |
Ready for Review-Document Uploaded. - Seller-07/08/2026 |
Resolved-Received evidence of Fidelity Coverage with a limit of $150000. - Due Diligence Vendor-07/09/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 LTV is less than guideline maximum - Required is 75 Borrower has 44.44 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 9751570 |