Exhibit 99.3 Schedule 3
| Conditions Report 2.0 | |||||||||||||||||||||||||||||||||||||
| Loans in Report: | 33 | ||||||||||||||||||||||||||||||||||||
| Loans with Conditions: | 19 | ||||||||||||||||||||||||||||||||||||
| Marketing ID | Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | ConditionSub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors |
| 12 | XX | XX | TN | (No Data) | ATR/QM: Exempt | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The file is missing a Notice to Borrower: ATR; an ATR Cert signed by the underwriter and the Borrower's Affirmation of ATR | 5.5.2026 Client provided executed Borrower affirmation of information to establish ATR and signed by Borrower ATR Underwriting Certification however Certification is only signed by Borrower, not signed by Underwriter. Condition remains for executed by Underwriter ATR Underwriting Certification. 5.12.2026 Client provided executed by Underwriter ATR Certification however was not fully scanned/imaged over, left side cut off. Condition remains for full legible copy of the Underwriter ATR Certification. 5.26.2026 Client provided legible executed by Underwriter ATR Underwriting Certification | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time
at current residence - Clayton Comments: Borrower has 9 years at current residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 19 years at current profession |
| 12 | XX | XX | TN | (No Data) | ATR/QM: Exempt | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated third party valuation required by guidelines. | 4/27 Client provided the appraisal from the file condition remains for a supporting valuation5.XX.2026 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time
at current residence - Clayton Comments: Borrower has 9 years at current residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 19 years at current profession |
| 24 | XX | XX | NC | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing documentation of property taxes for XX. Taxes are not escrowed. | 5/27 Client provided tax bill | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below
guideline requirement - Clayton Comments: 23.22 DTI below guideline of 50. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 FICO exceeds guideline of 640. |
| 28 | XX | XX | IA | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing documents of Ability-to-Repay Underwriting Certification, Notice to Borrower: Ability to Repay Disclosure, Borrowers Affirmation of Information provided to Establish ATR and PITI payment information for XX | 5.21.2026 Client provided executed ATR Underwriting Certification, condition remains for additional requested documentation. (a). Notice to Borrower: Ability to Repay Disclosure (b). Borrowers Affirmation of Information provided to Establish ATR and (c). PITI payment information for XX.5/27 Client provided evidence of PITI for XX still need (a). Notice to Borrower: Ability to Repay Disclosure (b). Borrowers Affirmation of Information provided to Establish ATR5/28 Client provided an Eamil that XX no longer requires the ATR docs; Upon review not required per updated guidelines | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below
guideline requirements - Clayton Comments: LTV: 80% is 5 points below the program guideline maximum 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 791 > is above guideline minimum credit score 720. |
| 29 | XX | XX | IA | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing appraisal license for appraiser. | 6.8.2026 Client provided copy of appraisal with last page including appraisal license however with review of appraisal appears we are missing the following: Missing photo of Comparable 6 (XX) and (b). missing photo of Rental 3 (XX), condition remains for complete copy of appraisal including all applicable photos used in appraisal report. 6.XX.2026 Client provided updated full complete copy of appraisal including all applicable comparable and rental comparable | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below
guideline requirements - Clayton Comments: LTV: 80% is 5 points below the program guideline maximum 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 791 > is above guideline minimum credit score 720. |
| 31 | XX | XX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: Median FICO 724 > is above guideline minimum credit score 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x50 exceeds mortgage history guidelines. |
|||||||||||||||
| 33 | XX | XX | IL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Provide missing document. | 6.26.2026 Client provided subject Flood Certificate document, zone X | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time
at current residence - Clayton Comments: Significant time at current residence of 33.6 years CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years |
| 34 | XX | XX | IL | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing loan documents Ability-to-Repay Underwriting Certification, Notice to Borrower: Ability to Repay Disclosure, Borrowers Affirmation of Information provided to Establish ATR and UCD Findings Report for XX. | Client provided all requested documentation for ATR. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time
at current residence - Clayton Comments: Significant time at current residence, 33 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 768 > is above guideline minimum credit score 720. |
| 35 | XX | XX | CA | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Ability-to-Repay Underwriting Certification; UCD Findings report for FNMA/Freddie. | 6/4 Client provided the UW Cert; still need the UCD Findings6/8 Client provided an Email; On review the UCD is not required for this product | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below
guideline requirements - Clayton Comments: LTV/CLTV: 80% is 5 points below the program guideline maximum 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $394,092.37 or 156.05 months of PITIA. Reserves required for Loan amount 6 months x $2,525.47 = $15,152.82. |
| 43 | XX | XX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below
guideline requirement - Clayton Comments: DTI at 39.59% below guideline requirement of 50% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 65 months exceeds guidelines of 12 months |
|||||||||||||||
| 60 | XX | XX | SC | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Missing required disclosure: ATR Certification completed by Underwriter | 6/19 Client provided the signed ATR CERT | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash
reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 26.60% below guideline requirement CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 741 exceeds guidelines |
| 63 | XX | XX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: Median FICO 781 > is above guideline minimum credit score 680. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 13 years. |
|||||||||||||||
| 77 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit
history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1737: LTV below guideline requirements - Clayton Comments: 80.00% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.14% DTI is below guideline requirement of 43.00%. |
|||||||||||||||
| 78 | XX | XX | PA | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing documents of Ability-to-Repay Underwriting Certification, Notice to Borrower: Ability to Repay Disclosure, and Borrowers Affirmation of Information provided to Establish ATR. | 6/8 Client provided Notice to Borrower: Ability to Repay Disclosure, and Borrowers Affirmation of Information provided to Establish ATR.; still missing Ability-to-Repay Underwriting Certification,6.9.2026 Client provided executed Underwriting ATR Certification | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: Median FICO 784 > is above guideline minimum credit score 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 7 years. |
| 83 | XX | XX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: Median FICO 764 > is above guideline minimum credit score 740. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 36 yeears. |
|||||||||||||||
| 85 | XX | XX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER5978 | Smart Series loan with no AUS in file. | No | Smart Series loan -Smart Self missing AUS and UCD finding reports. | 6.3.2026 Client provided copy of DU A/Eligible approval dated 5.XX.2026 | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash
reserves exceed guidelines - Clayton Comments: Post Close Assets are $784,088.99 or 157.57 months of PITIA. Total reserves required is $118,398.59 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 759 > is above guideline minimum credit score 720. |
| 89 | XX | XX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing documents for Supplemental Consumer Information Form, Ability-to-Repay Underwriting Certification, Notice to Borrower: Ability to Repay Disclosure and Borrowers Affirmation of Information provided to Establish ATR. | 6/22 Client provided disclosures still missing Ability-to-Repay Underwriting Certification, signed by UW6,26,2026 Client provided executed by UW ATR certification | condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: Median FICO 740 > is above guideline minimum credit score 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV: 80% is 10 points below the program guideline maximum 90%. |
| 91 | XX | XX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: Median FICO 797 > is above guideline minimum credit score 680. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit, 9% revolving credit utilization. |
|||||||||||||||
| 92 | XX | XX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below
guideline requirements - Clayton Comments: LTV at 80% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months |
|||||||||||||||
| 93 | XX | XX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: 761 FICO exceeds guideline of 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x40 mortgage payment history exceeds guideline of 0x30x12. |
|||||||||||||||
| 96 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing required documents of Notice to Borrower: Ability to Repay Disclosure signed by the borrowers, Ability to Repay (ATR) Certification completed by underwriter, and Borrowers Affirmation of Information Provided to Establish Ability to Repay (ATR) signed by the borrower. | 6/4 Client provided the UW ATR CERT | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below
guideline requirements - Clayton Comments: LTV/CLTV: 38.18% is 41.82 points below the program guideline maximum 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 732 > is above guideline minimum credit score 700. |
| 96 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing secondary valuation from one of the approved listed companies Collateral Desktop Analysis (CDA) from XX, Appraisal Risk Review (ARR) from XX, or XX (CCA)from XX Provided XXy Property Explorer Static is not on the approved list. | 6/8 Client provided a CDA supporting the appraised value with a 0% variance | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below
guideline requirements - Clayton Comments: LTV/CLTV: 38.18% is 41.82 points below the program guideline maximum 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 732 > is above guideline minimum credit score 700. |
| 100 | XX | XX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below
guideline requirements - Clayton Comments: LTV/CLTV: 41.57% is 43.43 points below the program guideline maximum 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 809 > is above guideline minimum credit score 720. |
|||||||||||||||
| 103 | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not
have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 11 years at current residence |
|||||||||||||||
| 105 | XX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing required document of Ability-to-Repay Underwriting Certification. | 7.6.2026 Client provided executed ATR UW Certification | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: Median FICO 742 > is above guideline minimum credit score 720. |
| 110 | XX | XX | OK | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing documents of Ability-to-Repay Underwriting Certification, Notice to Borrower: Ability to Repay Disclosure, and Borrowers Affirmation of Information provided to Establish ATR. | Client provided request documentation for ATR. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: Median FICO 780 > is above guideline minimum credit score 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $55,646.19 or 22.25 months of PITIA. Reserves required for Loan amount 6 months x $2,500.53 = $15,003.18. |
| 113 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $11.80 for ten percent tolerance fees.Recording Fees increased from $162.00 to $190.00 on the Final CD dated 06/XX/2026. | 06/24/2026 Client provided the Funding PCCD 6/16 with lowered recording fee and matching Final ALTA/Settlement Statement. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: 791 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.20 DTI below guideline of 50. |
| 113 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Total verified assets of $264,720.02 is not sufficient to cover cash to close of $274,726.87 and the 3 months reserves requirement of $16,360.47 (total $291,087.34). Short $26,367.32. | 6/24 Client provided revised CD with returned EMD sufficient funds verified | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: 791 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.20 DTI below guideline of 50. |
| 113 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3036 | Assets reflect unsourced deposits | No | Missing explanation and source of the $24,600 deposit to XX #XX on 5/18. | 6.26.2026 Client provided LOX stating, the $24,600 is an escrow refund from a previously cancelled transaction. The XX acct. #XX shows the $24,600 wired out (escrow #XX) to XX on 4/XX/26 and then the refund came back to the same XX acct. #XX on 5/18/26 for $24,600 also from same source XX. Response, starting w/ XX (pg 42) where $24k was transferred from #XX to XX #XX (pg 82) both occurred on same date 4.28.2026 and than on 4.28.2026 (pg 82) wire out of $24,600 XX and on 5.18.2026 (pg 86) wire back in from XX of $24,600; this supports where the $24,600 coming from, Borrower own funds coming out (previously), previously cancelled contract and now receiving EMD escrow funds back. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: 791 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.20 DTI below guideline of 50. |
| 114 | XX | XX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1749: Additional
documented income not used in qualifying - Clayton Comments: Borrower receives retirement income not used to qualify CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history |
|||||||||||||||
| 117 | XX | XX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below
guideline requirements - Clayton Comments: The total LTV is 70% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 24% |
|||||||||||||||
| 126 | XX | XX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: Median FICO 766 > is above guideline minimum credit score 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $357,826.44 or 61.66 months of PITIA. Reserves required for Loan amount 3 months DTI over 45% additional 3 months = (6) x $5,802.96 = $34,817.76. Additional Financed Properties 2 months x $4,999.52 = $9,999.04.Total Reserves: $44,816.80. |
|||||||||||||||
| 127 | XX | XX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: Credit score of 777 exceeds guidelines of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 80% below guideline requirements of 85% |
|||||||||||||||
| 130 | XX | XX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing a CDA or other acceptable secondary valuation to the appraisal. | 6.17.2026 Client provided prior to closing 3rd party CDA valuation supporting appraised value Valuation dated 6.XX.2026Note date 6.XX.2026 | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below
guideline requirement - Clayton Comments: 28.77 DTI below guideline of 50. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 FICO exceeds guideline of 640. |
| 132 | XX | XX | IA | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing copy of the divorce decree or child support order for the child support obligation disclosed on the application for XX. | 7.2.2026 Client provided copy of Child support enforcement agreement for monthly child support B1 have as an ongoing monthly obligation, amount used on Final 1003 is supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: 772 FICO exceeds guideline of 720. CFCFS1736: Significant time at current residence - Clayton Comments: 27 years at current residence. |
| 133 | XX | XX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing the Ability-to-Repay Underwriting Certification. | 7.6.2026 Client provided executed ATR UW Certification | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has
significant time at current job - Clayton Comments: Borrower has significant time at current job, 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 812 > is above guideline minimum credit score 720. |
| 136 | XX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing a CDA to support the appraised value | 6.23.2026 Client provided 3rd party prior to closing CDA dated 5.XX.2026 (Note date 5.XX.2026) supporting value with 0.0% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score
exceeds guidelines - Clayton Comments: Borrower credit score is 753 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves exceed the 6 months required |