J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.18
| ALT Loan ID | Seller Name | Seller Loan ID | Exception ID | Exception ID Date | Exception Category | Exception Subcategory | Exception Description | Exception Comments | Seller Response | Reviewer Response | Compensating Factors | Exception Status | Cleared Date | Exception Approved Pre Origination | Initial Exception Grade | Final Exception Grade | Initial DBRS Exception Grade | Final DBRS Exception Grade | Initial Moodys Exception Grade | Final Moodys Exception Grade | Initial Fitch Exception Grade | Final Fitch Exception Grade | Initial Kroll Exception Grade | Final Kroll Exception Grade | Initial S&P Exception Grade | Final S&P Exception Grade |
| 305053599 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Revised LP - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Loan was qualified with the incorrect primary housing expense resulting in a DTI exceeds max allowed per AUS. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305053599 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Acknowledged-Received updated LP dated post-closing. Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited DTI of 48.38% is less than or equal to AUS DTI of 48.39% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Revised LP - DTI now at 48.3 - Due Diligence Vendor-XX/XX/XXXX Open-Audited DTI of 48.38% exceeds AUS DTI of 47% Loan was qualified using primary housing rent of $X,XXX.XX. However, actual rent is $X,XXX.XX per lease and pay history in file. This resulted in a DTI of 48.38% which exceeds AUS DTI of 47%. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Received updated LP dated post-closing. Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited DTI of 48.38% is less than or equal to AUS DTI of 48.39% - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | C | B | C | B | C | B | C | B | C | B | C | B | ||
| 305053599 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Closing | Invalid AUS | Acknowledged-Received updated LP dated post-closing. Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Revised LP - Due Diligence Vendor-XX/XX/XXXX Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Received updated LP dated post-closing. Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | C | B | C | B | C | B | C | B | C | B | C | B | ||
| 305053599 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305104148 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305169765 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305136788 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Initial CD w/ tracking attached. - Due Diligence Vendor-XX/XX/XXXX Counter-Received the Initial LE that was already reviewed. Provide the Initial CD. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Initial LE attached - Due Diligence Vendor-XX/XX/XXXX Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305173227 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | AUS Not Provided | Resolved-Lender provided AUS. Condition cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-AUS is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-provided the AUS - Due Diligence Vendor-XX/XX/XXXX Open-Missing AUS The Uniform Underwriting and Transmittal Summary Form 1008 shows the loan was a Jumbo cash-out refinance and had received a DU Approve/Ineligible recommendation. Lender Guidelines require loans to meet all AUS requirements and must be ineligible due to loan amount only. The loan file is missing the required AUS. Additional findings may apply upon receipt. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided AUS. Condition cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-AUS is fully present - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305173227 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305215193 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305215192 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305221019 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305202894 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided post closing VOE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-Per lender guidelines section 3.02 Projected Income for New Job requires a VVOE to support borrowers' employment has begun must be provided. Missing VVOE to support employment has begun. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided post closing VOE. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305212060 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305212060 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305212060 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305215191 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305203927 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Lender provided required documentation that meets XXXXXXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Counter-Based on Guidelines, departing residence needs a 70% LTV to use the 1007, based on valuation listed on the 1003 and current mortgage balance the current LTV is greater than 70%. Or need documentation of receipt of 1st payment and security deposit. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-Income and Employment Do Not Meet Guidelines Missing evidence of receipt of security deposit and first month's rent for conversion of primary to investment property. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided required documentation that meets XXXXXXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305203927 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided required documentation that meets XXXXXXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Counter-Based on Guidelines, departing residence needs a 70% LTV to use the 1007, based on valuation listed on the 1003 and current mortgage balance the current LTV is greater than 70%. Or need documentation of receipt of 1st payment and security deposit. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing evidence of receipt of security deposit and first month's rent for conversion of primary to investment property. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided required documentation that meets XXXXXXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305203927 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305221010 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305212059 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305213271 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305215190 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305214129 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305212058 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305212057 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305215189 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305212056 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305226087 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305234476 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305221018 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305216511 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305216510 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305234475 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305232858 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305226071 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305234474 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305226069 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305226069 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305234473 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305226068 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305234472 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305203966 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305213330 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305193363 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305179603 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305157765 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-VOE - Due Diligence Vendor-XX/XX/XXXX Counter-Received a VVOE for B1 previous employment that was already reviewed. Provide B1 VVOE for current employment. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-voe - Due Diligence Vendor-XX/XX/XXXX Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305179541 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305189718 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305144469 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Resolved-Loan closed under the XXXXXXXX AUS Express. Per guidelines follow DU for reserves. No reserves required. - Due Diligence Vendor-XX/XX/XXXX Open-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX The Lender's Guidelines require 6 months reserves. The guidelines do not indicate that loan proceeds can be used for reserves. Please provide asset documentation to verify 6 months PITIA reserves of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Resolved-Loan closed under the XXXXXXXX AUS Express. Per guidelines follow DU for reserves. No reserves required. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305144469 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Loan closed under the XXXXXXXX AUS Express. Per guidelines follow DU for reserves. No reserves required. - Due Diligence Vendor-XX/XX/XXXX Counter-The XXXXXXXX Jumbo Program guidelines were assigned to this loan. 6 months reserves required Primay cash out, 80% LTV, $X,XXX.XX loan amount. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Per team, "Please have reviewer verify what program are they reviewing loan under.. We are showing this loan was locked under XXXXXXXX AUS Express and per that guideline there are no overlay and we follow AUS for reserves. Per Final DU no reserves are required.. " - Due Diligence Vendor-XX/XX/XXXX Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. The Lender's Guidelines require 6 months reserves. The guidelines do not indicate that loan proceeds can be used for reserves. Please provide asset documentation to verify 6 months PITIA reserves of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Loan closed under the XXXXXXXX AUS Express. Per guidelines follow DU for reserves. No reserves required. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305142045 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-ID - Due Diligence Vendor-XX/XX/XXXX Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. Provided photo id is expired - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305168037 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305175196 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305195879 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Resolved-AVM received. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-AVM - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-AVM received. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305195879 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. Loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Value grade equals B, loan approved with a PIW. Loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305191828 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305156899 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Lender provided missing asset statements. Condition cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Bank statements - Due Diligence Vendor-XX/XX/XXXX Open-Asset Qualification Does Not Meet Guideline Requirements Missing 2 months statements for asset 5 reflected on the final 1003. The AUS requires statements covering a two-month period. The loan does not qualify without the use of this asset. In addition, the loan file is missing an additional month statement as required by AUS for asset 2 and 3 on the final 1003. Please provide statements covering a two-month period for asset 2, 3 and 5 on the final 1003 to meet AUS requirements. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided missing asset statements. Condition cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305156899 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Asset 5 Missing | Resolved-Lender provided missing asset statements. Condition cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Investment statement - Due Diligence Vendor-XX/XX/XXXX Open-Asset 5 Missing Missing 2 months statements for asset 5 reflected on the final 1003. The AUS requires statements covering a two-month period. Provide statements covering a two-month period to meet AUS requirements. The loan does not qualify without the use of this asset. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided missing asset statements. Condition cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305156899 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305156899 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-AVM - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. The loan file was approved with a PIW. A Post Close Review Product was missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305156899 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305186628 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided the initial CD. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-ICD was issued XX/XX/XXXX NOT XX/XX/XXXX Compliance Tracking timeline confirms this - Due Diligence Vendor-XX/XX/XXXX Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Compliance will be re-reviewed upon receipt of the initial CD. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided the initial CD. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305157708 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX Open-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305157708 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-AVM - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305157708 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305157708 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305132851 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305132851 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-attached - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305132851 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-Received RTC. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-We reopened rescission. Please see attached - Due Diligence Vendor-XX/XX/XXXX Counter-Received a copy of the refund check and proof of delivery. Provide verification rescission was re-opened. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached - Due Diligence Vendor-XX/XX/XXXX Counter-Received a PCCD, and LOX. Provide a copy of the refund check, proof of delivery, and re-open rescission. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please find attached updated CD with cure of $X,XXX.XX and LOE - Due Diligence Vendor-XX/XX/XXXX Open-The disclosed finance charge $X,XXX.XX is $X,XXX.XX below the actual finance charge$X,XXX.XX. The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $X,XXX.XX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) It appears the lender did not include the Title-Mobil Signing Fee in the amount of $X,XXX.XX in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-XX/XX/XXXX |
Cured-Received RTC. - Due Diligence Vendor-XX/XX/XXXX |
Cured | XX/XX/XXXX | N/A | C | B | C | B | C | B | C | B | C | B | C | B | ||
| 305132851 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305155674 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305169884 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305070023 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305170372 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305027175 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 304909451 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305203220 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305179530 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Eligibility | Audited FICO is less than AUS FICO | Resolved-Audited FICO of 789 is equal to or greater than AUS FICO of 789 - Due Diligence Vendor-XX/XX/XXXX Ready for Review-FICO in our system and AUS shows correct FICO Score as 789. Refer Page 6 of AUS. - Due Diligence Vendor-XX/XX/XXXX Open-Audited FICO of 789 is less than AUS FICO of 790 - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Audited FICO of 789 is equal to or greater than AUS FICO of 789 - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305144260 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Received a PCCD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please see comments on docs on other TRID suspense - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of $X,XXX.XX, Principal Reduction for Excess Charges of $X,XXX.XX, and general or specific lender credit increases of $X,XXX.XX were applied to the total fee variance of $X,XXX.XX 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. Recording fee on final CD is $X,XXX.XX. The LE dated XX/XX/XXXX lists fee as $X,XXX.XX. This fee is in a 10% tolerance section. Lender tolerance cure of $X,XXX.XX is required. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received a PCCD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305144260 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received a PCCD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review- Cure is not applicable for the recording fees since, the actual recording fees were $X,XXX.XX same on the Final CD. The remaining $X,XXX.XX has been refunded by title. Attached ALTA showing $X,XXX.XX Balance due to the borrower which is including $X,XXX.XX Recording refund and the other refund corrections has been done along with this. Please find the updated PCCD all the corrections are updated, ALTA, Recorded Deed and Recorded DOT for your reference. Thank you! - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of $X,XXX.XX, Principal Reduction for Excess Charges of $X,XXX.XX, and general or specific lender credit increases of $X,XXX.XX were applied to the total fee variance of $X,XXX.XX between the baseline disclosure and the actual fee amounts. 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. Recording fee on final CD is $X,XXX.XX. The LE dated XX/XX/XXXX lists fee as $X,XXX.XX. This fee is in a 10% tolerance section. Lender tolerance cure of $X,XXX.XX is required. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received a PCCD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305144260 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305144260 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-AVM - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305144260 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a b for all agencies - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a b for all agencies - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305155289 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305137377 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305124665 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-Received tax and XXX verification. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Borrower confirmation and Document. - Due Diligence Vendor-XX/XX/XXXX Open-Missing evidence of property taxes for property 3b from the final 1003. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received tax and XXX verification. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305124665 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing Evidence of XXX Dues for REO1 | Resolved-Received tax and XXX verification. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Borrower confirmation and Document. - Due Diligence Vendor-XX/XX/XXXX Open-Missing Evidence of XXX Dues for REO1 Missing Evidence of XXX Dues for property 3b from the final 1003. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received tax and XXX verification. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305124665 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Received tax and XXX verification. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Borrower confirmation and Document. - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing Evidence of XXX Dues and taxes for property 3b from the final 1003. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received tax and XXX verification. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305124665 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305175930 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | S&P value equals C, 1st lien and secondary product not within tolerance | Resolved-Resolved - AVM has been received and already updated on LM - Due Diligence Vendor-XX/XX/XXXX Resolved-Received an AVM. - Due Diligence Vendor-XX/XX/XXXX Open-S&P RA Only - 1st lien and secondary product not within tolerance. This finding will be rated a C for S&P. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - AVM has been received and already updated on LM - Due Diligence Vendor-XX/XX/XXXX Resolved-Received an AVM. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | B | A | B | A | B | A | B | A | C | A | ||
| 305175930 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305175930 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Valuation Review Product - 1 | Resolved-Received AVM. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-AVM - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received AVM. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305125063 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided post closing CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-For credit report fee - Borrower was charged $X,XXX.XX for this fee and remaining $X,XXX.XX were paid by the lender, since this amount was not charged from the borrower there is no cure/refund applicable on this. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of $X,XXX.XX, Principal Reduction for Excess Charges of $X,XXX.XX, and general or specific lender credit increases of $X,XXX.XX were applied to the total fee variance of $X,XXX.XX 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. The credit report increased from $X,XXX.XX to $X,XXX.XX, which the final CD reflects a lender paid credit of $X,XXX.XX. The final CD reflects title fees moved from section C to section B due to Borrower choosing title company on the WLSP. The final CD reflects a Title - Exam Fee of $X,XXX.XX, that was not disclosed on the initial LE and verification of change of circumstance was not found in file for the increase in fee. Please provide valid COC for increase in fees or provide cure of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided post closing CD - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305125063 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender provided post closing CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-For exam fee - please note that the exam fee is updated to exam/ search fee in the PCCD and Search fee was already disclosed on ILE, therefore no cure is applicable on this fee. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of $X,XXX.XX, Principal Reduction for Excess Charges of $X,XXX.XX, and general or specific lender credit increases of $X,XXX.XX were applied to the total fee variance of $X,XXX.XX between the baseline disclosure and the actual fee amounts. 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. The credit report increased from $X,XXX.XX to $X,XXX.XX, which the final CD reflects a lender paid credit of $X,XXX.XX. The final CD reflects title fees moved from section C to section B due to Borrower choosing title company on the WLSP. The final CD reflects a Title - Exam Fee of $X,XXX.XX, that was not disclosed on the initial LE and verification of change of circumstance was not found in file for the increase in fee. Please provide valid COC for increase in fees or provide cure of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided post closing CD - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305154012 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided document showing proof of disbursement - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Loan was disbursed on XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). 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) cancel date is before disbursement date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided document showing proof of disbursement - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305154012 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305154012 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-AVM - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305154012 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305180317 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Lender provided RCE for subject property. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-RCE - Due Diligence Vendor-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $X,XXX.XX is less than Total Amount of Subject Lien(s) of $X,XXX.XX The replacement cost estimate from the insurance company was not found in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided RCE for subject property. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305138947 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Missing Doc | Missing Second Appraisal (Property) | Resolved-Lender provided secondary valuation within tolerance. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Second appraisal was provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document uploaded - Due Diligence Vendor-XX/XX/XXXX Open-The lender's guidelines requires two appraisals and the second appraisal was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided secondary valuation within tolerance. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Second appraisal was provided - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305173206 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305186068 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305186068 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-AVM - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. Loan was approved with a PIW. A post-closing valuation supporting the PIW property value was missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305186068 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305186068 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice is Missing - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice is Missing - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305195998 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305171257 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305174174 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305214164 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305197097 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Resolved-AVM received. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-AVM - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-AVM received. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305197097 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305078489 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305167811 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See 1040's and LOE attached - Due Diligence Vendor-XX/XX/XXXX Open-Income and Employment Do Not Meet Guidelines The AUS in file for rental income requires either a current lease or prior years personal tax returns. The file is missing, required to calculate rental income. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305167811 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXXXXXX asset report referenced in AUS is attached along with large deposit source $X,XXX.XX from sale of home. - Due Diligence Vendor-XX/XX/XXXX Open-Insufficient asset documentation in file - assets do not cover closing costs. The file is missing documentation of all AUS required assets. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305167811 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXXXXXX account and large deposit source uploaded to duplicate asset condition - Due Diligence Vendor-XX/XX/XXXX Open-Asset Qualification Does Not Meet Guideline Requirements The file is missing documentation of all AUS required assets. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305167811 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-XX/XX/XXXX Ready for Review-All requested documents (income AND assets) uploaded to corresponding items in the file. Please review. - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The AUS in file for rental income requires either a current lease or prior years personal tax returns. The file is missing, required to calculate rental income. The file is also missing all asset documentation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305167811 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Open-AVM supporting the original appraisal value provided - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. CU in file reflects score of 2.6 - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | |||
| 305170624 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305170624 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-AVM - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. Loan was approved with a PIW. A valid secondary valuation supporting the PIW value was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305170624 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305186041 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305176404 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305103296 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Lender provided prior year Flood insurance. - Due Diligence Vendor-XX/XX/XXXX Resolved-Flood Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-There is coverage from XX/XX/XXXX-XX/XX/XXXX and then from XX/XX/XXXX-XX/XX/XXXX. There is no break in coverage. Document 1st page showing "Effective from XX/XX/XXXX to XX/XX/XXXX" which covered Note date XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open-Flood Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided prior year Flood insurance. - Due Diligence Vendor-XX/XX/XXXX Resolved-Flood Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305147255 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Sales Agreement and Addendums - Missing or Incomplete | Resolved-Received addendums. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Received addendums. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Addendums 1-3 - Due Diligence Vendor-XX/XX/XXXX Counter-Received Addendums 4 and 5. Provide Addendums 1, 2 and 3. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-addendums - Due Diligence Vendor-XX/XX/XXXX Open-Sales Agreement and Addendums - Missing or Incomplete. Missing the sales agreement addendum with the updated sales price $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received addendums. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Received addendums. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305176772 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305175971 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Resolved-CDA supporting original appraised value provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CDA - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-CDA supporting original appraised value provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305175971 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305186040 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305147642 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305176791 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305179181 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-USPAT - Due Diligence Vendor-XX/XX/XXXX Open-Missing Borrower Identification - Borrower 2. Photo ID was not found in file and the Patriot Act form in file is not completed - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower Identification - Borrower 2 provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305179181 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-USPAT - Due Diligence Vendor-XX/XX/XXXX Open-Missing Borrower Identification - Borrower 1. Photo ID was not found in file and the Patriot Act form in file is not completed - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower Identification - Borrower 1 provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305170885 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305170885 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-AVM - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305170885 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305140848 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Missing Doc | Missing Tangible Net Benefit Disclosure | Resolved-Lender provided the Net Tangible Benefit letter. Condition resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document attached - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided the Net Tangible Benefit letter. Condition resolved - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305179608 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305171647 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | AUS Not Provided | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-AUS is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-AUS attached - Due Diligence Vendor-XX/XX/XXXX Open-Missing AUS additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-AUS is fully present - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305171647 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Attached - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing 10 day VOE - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305171647 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The employer name associated with FEIN XXXXXXXX is XXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305195239 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305186389 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Resolved-AMV received. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-AVM - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-AMV received. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305186389 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305180323 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Valuation Review Product - 1 | Resolved-AVM provided within 10% tolerance. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document attached - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-AVM provided within 10% tolerance. condition resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305180323 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305167822 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305167822 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-AVM - Due Diligence Vendor-XX/XX/XXXX Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305167822 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305167822 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305124685 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | AUS Partially Provided | Resolved-Lender provided updated AUS. - Due Diligence Vendor-XX/XX/XXXX Resolved-AUS is not partially present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Updated AUS with correct loan amount - Due Diligence Vendor-XX/XX/XXXX Open-AUS Partially Provided AUS in file reflects a Loan Amount of $X,XXX.XX. The Note and CD reflect the Loan Amount as $X,XXX.XX. Please provide AUS results with correct loan amount of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided updated AUS. - Due Diligence Vendor-XX/XX/XXXX Resolved-AUS is not partially present - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305124685 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305132957 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305170537 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305132956 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305225661 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305225661 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received solar agreement with $X,XXX.XX/mo payment. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-solar agreement - Due Diligence Vendor-XX/XX/XXXX Open-As per final 1003 section C have XXXXXXXX debt included in DTI, But supporting document is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received solar agreement with $X,XXX.XX/mo payment. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305173117 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305186001 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305173188 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Provided The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-WVOE - Due Diligence Vendor-XX/XX/XXXX Open-Borrower 1 WVOE Missing The lender guideline 8.6 requires salaried borrowers with Commission/Bonus to provide a WVOE breaking down the bonus or commission income for the prior 2 years. The file is missing WWVOE breaking down income for the prior 2 years. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower 1 WVOE Provided The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305173188 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-WVOE - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Employment validation/verification standards do not meet requirements The lender guideline 8.6 requires salaried borrowers with Commission/Bonus to provide a WVOE breaking down the bonus or commission income for the prior 2 years. The file is missing WWVOE breaking down income for the prior 2 years. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Employment validation/verification standards meet requirements The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305173188 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Open-Borrower 1 W2/1099 Missing The lender guideline 8.4 requires salaried borrowers to provided W2's for the prior 2 years. The file only contains W2 from prior year but missing previous year W2. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower 1 W2/1099 Provided The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305179500 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing evidence of sale of other property owned (REO) | Resolved-Final settlement statement provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see the attached True and Certified copy of the Final Settlement Statement for the sale of XXXXXXXX. Thank you. - Due Diligence Vendor-XX/XX/XXXX Open-Final Hud-1, Closing documents, or other evidence of sale from property listed in position 3a on the application, evidencing liens paid and sufficient cash to close, was not provided. The Final Settlement Statement in file is not signed and/or certified. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Final settlement statement provided - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305170630 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Resolved-Received verification < 25% ownership. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-1003 and DU - Due Diligence Vendor-XX/XX/XXXX Counter-Agree that ownership is less than 25%. Correct the final 1003 to show SE and the percentage of ownership. Also provide DU that reflects SE. Additional conditions may apply upon receipt of corrected DU. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-income - Due Diligence Vendor-XX/XX/XXXX Open-Borrower 1 Business Tax Returns Missing Due to percentage of ownership (46.030022%), provide the XXXX and XXXX 1065s, with all pages and schedules, for XXXXXXXX #XXXXXXXX. Additional conditions may apply upon receipt. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received verification < 25% ownership. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305170630 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX Ready for Review-1003 showing SE and DU - Due Diligence Vendor-XX/XX/XXXX Counter-Agree that ownership is less than 25%. Correct the final 1003 to show SE and the percentage of ownership. Also provide DU that reflects SE. Additional conditions may apply upon receipt of corrected DU. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-income - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing business tax returns. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305170630 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Closing | Invalid AUS | Resolved-Received corrected 1003 and DU. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-1003 and DU - Due Diligence Vendor-XX/XX/XXXX Counter-Agree that ownership is less than 25%. Correct the final 1003 to show SE and the percentage of ownership. Also provide DU that reflects SE. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-income - Due Diligence Vendor-XX/XX/XXXX Open-Lender's income calculation reflects borrowers' ownership < 25% per K1s borrower is 46%. The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with borrowers' self-employment income. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received corrected 1003 and DU. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305192065 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received the Initial Loan Estimate. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached initial LE. - Due Diligence Vendor-XX/XX/XXXX Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The file is missing the Initial Loan Estimate Disclosure. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received the Initial Loan Estimate. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305179523 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Required Documentation is Missing | Resolved-HOI not required. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-UW management response: Hello, there is no insurance for this as it is a boat dock. The insurance would be on the boat, which is not required to be included in qualifying. - Due Diligence Vendor-XX/XX/XXXX Counter-Received XXX/special assessment info and Tax info that was already reviewed. Tax amount is $X,XXX.XX, XXX $X,XXX.XX and $X,XXX.XX/mo. Missing HOI verification. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached XXX documentation. - Due Diligence Vendor-XX/XX/XXXX Open-For Borrower #3b property HOI, If applicable XXX documents are required - Due Diligence Vendor-XX/XX/XXXX |
Resolved-HOI not required. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305179523 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-UW management response: Hello, there is no insurance for this as it is a boat dock. The insurance would be on the boat, which is not required to be included in qualifying. - Due Diligence Vendor-XX/XX/XXXX Counter-Received XXX/special assessment info and Tax info that was already reviewed. Tax amount is $X,XXX.XX, XXX $X,XXX.XX and $X,XXX.XX/mo. Missing HOI verification. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached XXX documentation. - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305179523 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved. Received a copy of the Initial CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached signed initial CD and audit trail. - Due Diligence Vendor-XX/XX/XXXX Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved. Received a copy of the Initial CD. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305179523 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305184171 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Eligibility | Audited FICO is less than AUS FICO | Resolved-Audited FICO of 812 is equal to or greater than AUS FICO of 812 - Due Diligence Vendor-XX/XX/XXXX Ready for Review-FICO show as 812 on Item #36 on attached AUS. Please see attached. - Due Diligence Vendor-XX/XX/XXXX Open-Audited FICO of 812 is less than AUS FICO of 820 - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Audited FICO of 812 is equal to or greater than AUS FICO of 812 - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305190549 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305183622 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305181924 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Lender provided the HUD statement for the departing residence - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Open-Asset Qualification Does Not Meet Guideline Requirements Missing HUD on departing residence verifying both loans were paid in full and netting sufficient funds for closing. Additional conditions may apply - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided the HUD statement for the departing residence - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305181924 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the HUD statement for the departing residence - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX Ready for Review-FSS - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing HUD on departing residence - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided the HUD statement for the departing residence - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305181924 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Acknowledged-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305133054 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided required documentation. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing final settlement statement supporting omission of departing residence. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided required documentation. - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305133054 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Lender provided required documents - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The equity statement was also provided to show proceeds - Due Diligence Vendor-XX/XX/XXXX Counter-Provide a copy of the buyout agreement. Per XXXXXXXX guidelines, when the borrower’s employer assumes responsibility for paying off the existing mortgage in connection with a relocation plan, the lender must obtain a copy of the executed buy-out agreement to document the source of funds. A photocopy of a sales contract or a listing agreement is not considered an acceptable source of verification of proceeds from the sale. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is a relocation buyout. Buyout docs and equity stmt attached. This meets requirements to exclude. - Due Diligence Vendor-XX/XX/XXXX Open-The final HUD/Settlement Statement is missing. Missing the final HUD/Settlement Statement for the departing residence supporting the omission of debt from DTI. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided required documents - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305171189 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305177025 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305182578 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305216512 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305211818 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305196953 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305180601 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached document audit report confirming initial disclosures sent to bwrs. - Due Diligence Vendor-XX/XX/XXXX Open-Missing the XXXXXXXX pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305216582 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305176400 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided the initial CD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-8.6 INITIAL CD - Due Diligence Vendor-XX/XX/XXXX Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The Mavent in the loan file indicates an initial Closing Disclosure date of XX/XX/XXXX, which was not found in the loan file. The earliest Closing Disclosure in file is dated XX/XX/XXXX. Please provide the initial CD dated XX/XX/XXXX to properly complete compliance testing. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided the initial CD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305167452 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Pamphlet Provided and documentation evidencing viewed by borrower XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Pamphlet Provided and documentation evidencing viewed by borrower XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached document and doc package audit report - Due Diligence Vendor-XX/XX/XXXX Open-Missing the XXXXXXXX pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Pamphlet Provided and documentation evidencing viewed by borrower XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Pamphlet Provided and documentation evidencing viewed by borrower XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305167452 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305132759 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Missing Doc | Missing Updated Completion Report (442/1004D) | Open-Two appraisals present in the file dated on XX/XX/XXXX with the Appraisal Value of $X,XXX.XX & XX/XX/XXXX with the Appraisal Value of $X,XXX.XX both the appraisal stated as "subject to completion per plans and specifications". However, 1004D is provided only for XX/XX/XXXX and missing for Appraisal dated on XX/XX/XXXX with the Appraisal Value of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Client has acknowledged and downgraded the Finding for 2nd 1004D on the appraisal with higher value. Lower appraised value was utilized for qualifying LTV with 1004D provided. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Client has acknowledged and downgraded the Finding for 2nd 1004D on the appraisal with higher value. Lower appraised value was utilized for qualifying LTV with 1004D provided. - Due Diligence Vendor-XX/XX/XXXX |
Two appraisals present in the file dated on XX/XX/XXXX with the Appraisal Value of $X,XXX.XX & XX/XX/XXXX with the Appraisal Value of $X,XXX.XX both the appraisal stated as "subject to completion per plans and specifications". However, 1004D is provided only for XX/XX/XXXX and missing for Appraisal dated on XX/XX/XXXX with the Appraisal Value of $X,XXX.XX. | Acknowledged | XX/XX/XXXX | Investor Post-Close | D | B | D | B | D | B | D | B | D | B | D | B | |
| 305132759 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Appraisal | Subject property appraisal is not on an as-is basis (Secondary Value) | Acknowledged-Client acknowledges that 1004D for second appraisal in file was not provided, however, accepts due to we have the 1004D for the appraisal with the lower valuation. Loan will be rated a B. - Due Diligence Vendor-XX/XX/XXXX Open-Secondary Value for Subject Property Appraisal is not on an As-Is Basis Two appraisals present in the loan file, dated on XX/XX/XXXX with the Appraisal Value of $X,XXX.XX & XX/XX/XXXX with the Appraisal Value of $X,XXX.XX, both the appraisal stated as "subject to completion per plans and specifications". However, 1004D is provided only for Primary Value - XX/XX/XXXX which reflects "Date of Inspection" as XX/XX/XXXX & "Date of Signature and Report" as XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Client acknowledges that 1004D for second appraisal in file was not provided, however, accepts due to we have the 1004D for the appraisal with the lower valuation. Loan will be rated a B. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | C | B | C | B | C | B | C | B | C | B | C | B | ||
| 305179528 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305176398 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305179527 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305195184 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305193316 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-misc - Due Diligence Vendor-XX/XX/XXXX Open-Missing the XXXXXXXX pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective XX/XX/XXXX. Missing “What Mortgage Applicants Need to Know” Pamphlet. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305172846 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305196169 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305181937 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Received Patriot Act Form. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached patriot act form for B1. - Due Diligence Vendor-XX/XX/XXXX Counter-Please provide the referenced Patriot Act Form. We do not have a copy in our file. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please waive condition as the Patriot Act Form was provided and signed by settlement agent confirming Identification. - Due Diligence Vendor-XX/XX/XXXX Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received Patriot Act Form. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305181937 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing Final Application (1003) | Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached final 1003 - Due Diligence Vendor-XX/XX/XXXX Open-The Final 1003 is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305181937 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Received the Final CD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-The disclosed finance charge $X,XXX.XX is $X,XXX.XX below the actual finance charge$X,XXX.XX. The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $X,XXX.XX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply.” - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received the Final CD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305181937 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Received the Final CD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-The disclosed Total of Payments $X,XXX.XX is understated by more than $X,XXX.XX when compared to the actual Total of Payments $X,XXX.XX. The difference is $X,XXX.XX. Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $X,XXX.XX. (12 CFR 1026.38(o)(1)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply.” - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received the Final CD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305181937 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-Received the Final CD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Open-The disclosed APR (0.0) is lower than the actual APR (6.158) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply.” - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received the Final CD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305181937 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached Final CD - Due Diligence Vendor-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure . Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305181937 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached note. - Due Diligence Vendor-XX/XX/XXXX Open-The Note is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305207082 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305179602 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305170825 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305173174 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing Evidence of XXX Dues for REO1 | Resolved-Evidence of XXX Dues provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-misc - Due Diligence Vendor-XX/XX/XXXX Open-Missing documentation to verify the XXX dues for the property disclosed on line 3A of the final loan application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Evidence of XXX Dues provided - Due Diligence Vendor-XX/XX/XXXX |
Missing Evidence of XXX Dues for REO1 - Application 1003 "Section 3A", property address "XXXXXXXX". |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | |
| 305173174 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-misc - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing documentation to verify the XXX dues for the property disclosed on line 3A of the final loan application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305173174 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-ECOA: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | B | B | B | B | B | B | B | B | B | B | ||
| 305181912 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305183701 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305187867 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305174308 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305190642 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305170616 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305190764 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305178058 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305175212 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Lender provided proof of property taxes and insurance, and the escrow payment is sufficient to cover the cost of both. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please see attached as evidence escrows are included - Due Diligence Vendor-XX/XX/XXXX Counter-Still need mortgage insurance for the properties located at: XXXXXXXX AND XXXXXXXX. The insurance policy for XXXXXXXX was not provided. In addition, the mtg stmt for XXXXXXXX was uploaded evidencing escrows are included in the payment, however unable to determine if escrow payment includes both taxes and insurance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-1) Missing evidence of insurance for REO 3c on final application. 2) Missing evidence of insurance for REO 3b on the final loan application or evidence that the mortgage payment of $X,XXX.XX is inclusive of insurance. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided proof of property taxes and insurance, and the escrow payment is sufficient to cover the cost of both. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305175212 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-Lender provided proof of property taxes and insurance, and the escrow payment is sufficient to cover the cost of both. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached. Tax and insurance is less than escrows collected for XXXXXXXX, supporting that escrows are included in payment - Due Diligence Vendor-XX/XX/XXXX Counter-The mtg stmt for XXXXXXXX was uploaded evidencing escrows are included in the payment, however unable to determine if escrow payment includes both taxes and insurance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-Provide evidence that the mortgage payment of $X,XXX.XX for REO 3b is inclusive of taxes. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided proof of property taxes and insurance, and the escrow payment is sufficient to cover the cost of both. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305175212 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Counter-Still need evidence of the insurance for the properties located at: XXXXXXXX AND XXXXXXXX. The insurance policy for XXXXXXXX was not provided. In addition, the mtg stmt for XXXXXXXX was uploaded evidencing escrows are included in the payment, however unable to determine if escrow payment includes both taxes and insurance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The loan file is missing the following: 1) Evidence that the mortgage payment of $X,XXX.XX for REO 3b is inclusive of taxes and insurance. 2) Evidence of insurance for REO 3c on the final loan application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305175212 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | AUS Not Provided | Resolved-DU Findings provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-Missing AUS Provide Final AUS used to qualify the borrower with the Case ID of XXXXXXXX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-DU Findings provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305175212 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305202494 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing proof of residency status for Non-US Citizen (Borrower 1) | Resolved-Proof of residency status for Non-US Citizen (Borrower 1) provided. - Due Diligence Vendor-XX/XX/XXXX Open-Missing proof of residency status for Non-US Citizen (Borrower 1) - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Proof of residency status for Non-US Citizen (Borrower 1) provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305202494 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing proof of residency status for Non-US Citizen (Borrower 2) | Resolved-Proof of residency status for Non-US Citizen (Borrower 2) provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Attached - Due Diligence Vendor-XX/XX/XXXX Open-Missing proof of residency status for Non-US Citizen (Borrower 2) - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Proof of residency status for Non-US Citizen (Borrower 2) provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305175400 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided COC - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-COCs are not required to provide that level of granular detail. It was noted that title fees were updated. TRID just requires an action event that is acceptable to redisclosure. The trigger was due to the receipt of title fees that were provided on the Title prelim CD which is a valid change of circumstance event that allowed us to redisclose with the updated settlement fees as we were unaware of these fee totals previously. - Due Diligence Vendor-XX/XX/XXXX Counter-Received an incomplete CD dated XX/XX/XXXX and a COC for updated Title fees. The COC does not state which fees were increased and does not provide a valid reason for the increase. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached COC dated XX/XX/XXXX for change in settlement fees. Also, see title CD for disclosure of fees on XX/XX/XXXX that reflects $X,XXX.XX Wire Fee. This is a valid change updating the baseline that is within 3 days. Please clear condition. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of $X,XXX.XX, Principal Reduction for Excess Charges of $X,XXX.XX, and general or specific lender credit increases of $X,XXX.XX were applied to the total fee variance of $X,XXX.XX 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. The Lender credit of $X,XXX.XX is sufficient for the increase in the Credit Report fee from $X,XXX.XX on the initial LE to $X,XXX.XX on the final CD; however, it is not sufficient to cure the increase of the Title - Wire Fee from $X,XXX.XX on the initial LE to $X,XXX.XX on the final CD in section C. The Title - Wire Fee is paid to the Settlement Agent on the Provider's list and is subject to 10% tolerance requirements. The 10% tolerance fees include the recording fee of $X,XXX.XX, Title - Settlement Fee of $X,XXX.XX on the Initial LE = $X,XXX.XX x 10% = $X,XXX.XX tolerance fees. The final CD reflects the Title - Settlement Fee of $X,XXX.XX, Title - Wire Fee of $X,XXX.XX paid to the settlement agent on the Provider's list and the Recoding fee of $X,XXX.XX for total fees of $X,XXX.XX subject to the 10% tolerance category for a total variance of $X,XXX.XX + the zero tolerance cure of $X,XXX.XX required for the credit report increasing from $X,XXX.XX on the initial LE to $X,XXX.XX on the final CD for a total required cure of $X,XXX.XX. The Lender credit of $X,XXX.XX is short by $X,XXX.XX. Please provide an additional cure of $X,XXX.XX or provide a valid COC for the increase in the Title - Wire Fee. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided COC - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305175400 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender provided COC - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-COCs are not required to provide that level of granular detail. It was noted that title fees were updated. TRID just requires an action event that is acceptable to redisclosure. The trigger was due to the receipt of title fees that were provided on the Title prelim CD which is a valid change of circumstance event that allowed us to redisclose with the updated settlement fees as we were unaware of these fee totals previously. - Due Diligence Vendor-XX/XX/XXXX Counter-Received an incomplete CD dated XX/XX/XXXX and a COC for updated Title fees. The COC does not state which fees were increased and does not provide a valid reason for the increase. Condition remains. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached COC dated XX/XX/XXXX for change in settlement fees. Also, see title CD for disclosure of fees on XX/XX/XXXX that reflects $X,XXX.XX Wire Fee. This is a valid change updating the baseline that is within 3 days. Please clear condition. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of $X,XXX.XX, Principal Reduction for Excess Charges of $X,XXX.XX, and general or specific lender credit increases of $X,XXX.XX were applied to the total fee variance of $X,XXX.XX between the baseline disclosure and the actual fee amounts. 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. The Lender credit of $X,XXX.XX is sufficient for the increase in the Credit Report fee from $X,XXX.XX on the initial LE to $X,XXX.XX on the final CD; however, it is not sufficient to cure the increase of the Title - Wire Fee from $X,XXX.XX on the initial LE to $X,XXX.XX on the final CD in section C. The Title - Wire Fee is paid to the Settlement Agent on the Provider's list and is subject to 10% tolerance requirements. The 10% tolerance fees include the recording fee of $X,XXX.XX, Title - Settlement Fee of $X,XXX.XX on the Initial LE = $X,XXX.XX x 10% = $X,XXX.XX tolerance fees. The final CD reflects the Title - Settlement Fee of $X,XXX.XX, Title - Wire Fee of $X,XXX.XX paid to the settlement agent on the Provider's list and the Recoding fee of $X,XXX.XX for total fees of $X,XXX.XX subject to the 10% tolerance category for a total variance of $X,XXX.XX + the zero tolerance cure of $X,XXX.XX required for the credit report increasing from $X,XXX.XX on the initial LE to $X,XXX.XX on the final CD for a total required cure of $X,XXX.XX. The Lender credit of $X,XXX.XX is short by $X,XXX.XX. Please provide an additional cure of $X,XXX.XX or provide a valid COC for the increase in the Title - Wire Fee. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided COC - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305175400 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing Evidence of XXX Dues for REO1 | Resolved-Received verification of XXX dues. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached XXX - Due Diligence Vendor-XX/XX/XXXX Open-Missing Evidence of XXX Dues for REO1 Missing verification of the $X,XXX.XX monthly XXX fee for the Borrower's departing residence. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received verification of XXX dues. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305193221 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | AUS Not Provided | Resolved-LPA Findings provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-Missing AUS Per Lock Confirmation, loan was submitted with LP as the AUS. The loan file contained only a DU. Note that debts (i.e. student loans) were calculated according to XXXXXXXX guidelines; if AUS is later changed to DU, debt re-calculations will be required and additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-LPA Findings provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305193221 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305180376 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided revised LE and COC increasing the appraisal fee. condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-misc - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of $X,XXX.XX, Principal Reduction for Excess Charges of $X,XXX.XX, and general or specific lender credit increases of $X,XXX.XX were applied to the total fee variance of $X,XXX.XX 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. The credit report fee increased $X,XXX.XX and the appraisal fee increased $X,XXX.XX. The final Closing Disclosure provided a $X,XXX.XX tolerance cure for the credit report fee increase. The loan file contains a change of circumstance dated XX/XX/XXXX for the appraisal fee increase of $X,XXX.XX. The loan file did not contain a revised LE/CD dated within 3 days of the COC. The first disclosure issued after the COC was a Closing Disclosure dated XX/XX/XXXX, which was outside of the required timely disclosure requirement. No Cure. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided revised LE and COC increasing the appraisal fee. condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305180376 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender provided revised LE and COC increasing the appraisal fee. condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-no additional cure is required this is a valid COC - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of $X,XXX.XX, Principal Reduction for Excess Charges of $X,XXX.XX, and general or specific lender credit increases of $X,XXX.XX were applied to the total fee variance of $X,XXX.XX between the baseline disclosure and the actual fee amounts. 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. The credit report fee increased $X,XXX.XX and the appraisal fee increased $X,XXX.XX. The final Closing Disclosure provided a $X,XXX.XX tolerance cure for the credit report fee increase. The loan file contains a change of circumstance dated XX/XX/XXXX for the appraisal fee increase of $X,XXX.XX. The loan file did not contain a revised LE/CD dated within 3 days of the COC. The first disclosure issued after the COC was a Closing Disclosure dated XX/XX/XXXX, which was outside of the required timely disclosure requirement. No Cure. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided revised LE and COC increasing the appraisal fee. condition cleared. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305180406 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Missing AUS Findings | Resolved-Received DU report. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-DU FINDINGS - Due Diligence Vendor-XX/XX/XXXX Open-Missing DU XXXXXXXX as reflected on the 1008. Additional conditions may apply - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received DU report. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305196046 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305200969 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305215217 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305202505 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305211944 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Employment History less than 2 years for Borrower | Resolved-Received XXXX/XXXX W2s. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-Per applicable guidelines, a creditor must verify the consumer’s employment for the most recent two full years, and the consumer must explain any gaps in employment that span one or more months and Indicate if he/she was in school or the military for the recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers. The Borrower's previous employment was not verified. The VVOE in file does not reflect a start date or end date for the employment. In addition, the income calculator in file indicates the Lender verified the previous employer using XXXX and XXXX W2, which were not in the loan file. Further, the AUS requires a YTD Pay Stub and a W2 from the prior year, or a standard Verification of Employment. The standard Verification of Employment is in the loan file; however, the only income verified is for the current employment with income for XXXX only, income for XXXX was not reflected and not verified. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received XXXX/XXXX W2s. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305211944 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received 401K statement and XXXX/XXXX W2s. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Either Current Income or Current Assets must be utilized to meet ATR requirements. Documentation to verify Asset #5 on the final 1003 and the AUS was not found in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received 401K statement and XXXX/XXXX W2s. - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305211944 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Missing Doc | Asset 5 Missing | Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-Asset 5 Missing Documentation to verify asset #5 on the final 1003 and AUS was not found in the loan file. Additional condition may apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | D | A | D | A | D | A | D | A | D | A | D | A | ||
| 305211944 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached for assets #1 and #2 - Due Diligence Vendor-XX/XX/XXXX Open-Asset Qualification Does Not Meet Guideline Requirements Documentation to verify asset #5 on the final 1003 and AUS was missing from the loan file. In addition, the AUS requires a verification of deposit or bank statement covering a two-month period. The loan file did not contain two months consecutive bank statements for asset 1, 2 and 3 reflected on the final 1003 and AUS. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved | XX/XX/XXXX | N/A | C | A | C | A | C | A | C | A | C | A | C | A | ||
| 305211944 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305197075 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305196168 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305193238 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305215259 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305220767 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305216777 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305233845 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B | ||
| 305183598 | XXXXXXXX | XXXXXXXX | NO FINDINGS | NO FINDINGS | NO FINDINGS | NO FINDINGS | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||
| 305189041 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged | XX/XX/XXXX | Investor Post-Close | B | B | A | A | A | A | A | A | A | A | B | B |