Exhibit 99.5 - Schedule 2

ALT Loan ID

Seller

Loan ID

Seller Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

HILD2026NQM1-251

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Borrowing Entity Tax ID

Resolved-Lender provided tax id documentation. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Lender provided required documentation. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Documents provided reflect entity as XXXXXXXX; however, the borrowing entity is reflected as XXXXXXXX. Finding remains - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Missing Borrowing Entity Tax ID.
Missing Borrowing Entity Tax ID for XXXXXXXX (docs in file reflect XXXXXXXX). Additional conditions may apply upon receipt of documentation. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Lender provided tax id documentation. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

tax id.pdf

NOTE , CD AND XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-251

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Operating Agreement

Resolved-Lender provided the Certificate of Formation. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Documents provided reflect entity as XXXXXXXX; however, the borrowing entity is reflected as XXXXXXXX. Finding remains - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. AS PER UNDERWRITTER THERE IS NO OPERATING AGREEMENT THIS IS A SINGLE MEMEBER LLC SEE ATTACHED DOCUMENTS - Seller-XX/XX/XXXX

Open-The loan file is missing an operating agreement or other documentation to verify ownership. The loan file is missing an operating agreement or other documentation to verify ownership for XXXXXXXX (docs in file reflect XXXXXXXX). Additional conditions may apply upon receipt of documentation. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. AS PER UNDERWRITTER THERE IS NO OPERATING AGREEMENT THIS IS A SINGLE MEMEBER LLC SEE ATTACHED DOCUMENTS - Seller-XX/XX/XXXX

Resolved-Lender provided the Certificate of Formation. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX.pdf

NOTE , CD AND XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-251

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Borrowing Entity of Evidence of Good Standing

Resolved-Lender provided letter of good standing.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-Documents provided reflect entity as XXXXXXXX; however, the borrowing entity is reflected as XXXXXXXX. Finding remains - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Missing Evidence of Good Standing. Missing evidence of Good Standing for XXXXXXXX (docs in file reflect XXXXXXXX). Additional conditions may apply upon receipt of documentation. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Lender provided letter of good standing. Condition cleared - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX of XXXXXXXX standing.pdf

NOTE , CD AND XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-252

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-253

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Documentation received. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-1) Please provide business bank statement (ending XX/XX/XXXX) as it is missing from loan file. Additional conditions may apply.
2) Please provide business narrative as it is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Documentation received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_XX/XX/XXXX statement.pdf

XXXXXXXX Business XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-253

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements 1) Please provide business bank statement (ending XX/XX/XXXX) as it is missing from loan file. Additional conditions may apply.
2) Please provide business narrative as it is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_XX/XX/XXXX statement.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-255

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Incomplete Purchase Contract

Resolved-sufficient documentation received.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Are we cleared to fund? - Seller-XX/XX/XXXX
Counter-Document Uploaded. PFA.  - Buyer-XX/XX/XXXX
Counter-Document provided contains Addendum 1 and 3. Please provide Addendum 2. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-All pages of the purchase contract were not provided. Purchase contract addendum #2 is missing in the loan file.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Are we cleared to fund? - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-sufficient documentation received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX Cert.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-257

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Missing Doc

Missing Appraisal (Credit)

Waived-A lender exception is present in the loan file, dated post consummation, providing adequate comp factors. Exception to Waive the requirement of CDA. - Due Diligence Vendor-XX/XX/XXXX

Open-XXXXXXXX Guidelines require a CDA except for when 2 appraisals are provided. Provide a formal approved lender exception with compensating factors. - Due Diligence Vendor-XX/XX/XXXX

Open-The Appraisal is Missing. A valid secondary valuation supporting the origination appraisal value is not present. Valid secondary valuation supporting the origination appraisal value is not present. Lender guidelines require a CDA for all loans. CDA is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Lender guideline requires CDA for all loans, but in fact, it mean to require for loans with CU or LCA score greater than 2.5 only. Can you make an exception? - XX/XX/XXXX

Waived-A lender exception is present in the loan file, dated post consummation, providing adequate comp factors. Exception to Waive the requirement of CDA. - Due Diligence Vendor-XX/XX/XXXX

DTI > 5% below the maximum qualifying
Credit score > 10 points more than qualifying
36+ months 0x30 housing payment history
Reserves over 2 months of PITI

XXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

HILD2026NQM1-257

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

HILD2026NQM1-258

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Disbursement Date

Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Post CD uploaded to show the actual disbursement date, XX/XX/XXXX. - Seller-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX The Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Post CD uploaded to show the actual disbursement date, XX/XX/XXXX. - Seller-XX/XX/XXXX

Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX

POST CD - XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-258

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-259

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX

Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-XX/XX/XXXX

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-259

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Fraud XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-260

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided mortgage statements with/or verified with copy of credit refresh for mortgages listed 3b-3K. condition resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXXX - Statement Attached
XXXXXXXX - Refresh shows last DLA XX/XX/XXXX
XXXXXXXX - Refresh shows last DLA XX/XX/XXXX
XXXXXXXX - Refresh shows last DLA XX/XX/XXXX
XXXXXXXX - There are 2 mortgages. 1 Attached showing May payment.  Another one is on credit refresh.
XXXXXXXX XXXXXXXX - Refresh shows last DLA XX/XX/XXXX
XXXXXXXX - There are 2 mortgages. 1 Attached showing May payment. Another one is on credit refresh.
XXXXXXXX - There are 2 mortgages. We provided mtg stmt showing payment made in XX/XX/XXXX #$X,XXX.XX. Refresh shows last DLA XX/XX/XXXX for another one.
XXXXXXXX -   There are2 mortgages. We provided mtg stmt showing payment made in XX/XX/XXXX #$X,XXX.XX. Refresh shows last DLA XX/XX/XXXX for another one.
XXXXXXXX -  Refresh shows last DLA XX/XX/XXXX
XXXXXXXX -   There are 2 mortgages. 1 Attached showing May payment. Another one is on credit refresh. - Seller-XX/XX/XXXX

Open-1) Please provide current mortgage statements (1st lien) for the following investment properties: REO 3b (first property), REO 3b (second property), REO 3c, REO 3d, REO 3e, REO 3f, REO 3g, REO 3h, REO 3j, and REO 3k listed on Final 1003. Additional conditions may apply
2) Please provide current mortgage statement (1st lien) for primary residence (REO 3i) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXXX - Statement Attached
XXXXXXXX - Refresh shows last DLA XX/XX/XXXX
XXXXXXXX - Refresh shows last DLA XX/XX/XXXX
XXXXXXXX - Refresh shows last DLA XX/XX/XXXX
XXXXXXXX - There are 2 mortgages. 1 Attached showing May payment.  Another one is on credit refresh.
XXXXXXXX XXXXXXXX - Refresh shows last DLA XX/XX/XXXX
XXXXXXXX - There are 2 mortgages. 1 Attached showing May payment. Another one is on credit refresh.
XXXXXXXX - There are 2 mortgages. We provided mtg stmt showing payment made in XX/XX/XXXX #$X,XXX.XX. Refresh shows last DLA XX/XX/XXXX for another one.
XXXXXXXX -   There are2 mortgages. We provided mtg stmt showing payment made in XX/XX/XXXX #$X,XXX.XX. Refresh shows last DLA XX/XX/XXXX for another one.
XXXXXXXX -  Refresh shows last DLA XX/XX/XXXX
XXXXXXXX -   There are 2 mortgages. 1 Attached showing May payment. Another one is on credit refresh. - Seller-XX/XX/XXXX

Resolved-Lender provided mortgage statements with/or verified with copy of credit refresh for mortgages listed 3b-3K. condition resolved - Due Diligence Vendor-XX/XX/XXXX

CREDIT XXXXXXXX.pdf

XXXXXXXX stmt.pdf

XXXXXXXX - XXXXXXXX stmt_2.pdf

XXXXXXXX_F_2.pdf

XXXXXXXX - XXXXXXXX stmt_3.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-263

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Gift Documentation

Resolved-Received LOX and verification of funds. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. No gift used for closing. All funds were the cash-out proceeds from another property. Revised 1003 uploaded. - Seller-XX/XX/XXXX
Open-Guidelines require a signed gift letter from the donor specifying the following: (1) the specific dollar amount of the gift and the date the funds were transferred to the borrower, (2)donor’s name, address, telephone number and the relationship to the borrower and (3) the donor’s statement that no repayment is expected. The gift documentation is missing for the gift funds listed on the final application. Lender Guidelines require a signed gift letter from the donor specifying the following: (1) the specific dollar amount of the gift and the date the funds were transferred to the borrower, (2)donor’s name, address, telephone number and the relationship to the borrower and (3) the donor’s statement that no repayment is expected. The gift documentation is missing for the gift funds listed on the final application. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. No gift used for closing. All funds were the cash-out proceeds from another property. Revised 1003 uploaded. - Seller-XX/XX/XXXX

Resolved-Received LOX and verification of funds. - Due Diligence Vendor-XX/XX/XXXX

Revised XXXXXXXX.pdf

XXXXXXXX FUNDS $X,XXX.XX.pdf

XXXXXXXX FUNDS $X,XXX.XX.pdf

FSS.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-263

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-264

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: 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

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-265

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% A lender exception is present in the loan file, dated after
consummation, providing adequate comp factors.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-Received a Lender Exception to approve an LTV of 75% based on FICO of 718 which is slightly lower than standard 720 requirement.  The Exception is dated post-closing, and adequate comp factors have been provided.  Provide a corrected Lender Exception form with the Conditions to allow the exception to state the conditions have been provided and are cleared. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-Please provide a formal exception from the investor with valid comp factors.  - Due Diligence Vendor-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Exception approved by XXXXXXXX. - Seller-XX/XX/XXXX

Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% Maximum LTV/CLTV allowed for subject loan amount and borrower FICO score for Alternate Document program is 70%. Current LTV on the loan file is 75%. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Exception approved by XXXXXXXX. - Seller-XX/XX/XXXX

Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% A lender exception is present in the loan file, dated after
consummation, providing adequate comp factors. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Exception.pdf

XXXXXXXX_Exception.pdf

Compensating factors
Provided evidence of conditions have been provided and are cleared to allow exception.
compensating factors
Extend period of time on the same job
No Derogatory events
Reserves over 2 months of PITI

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

Yes

HILD2026NQM1-265

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited HCLTV Exceeds Guideline HCLTV

Waived-Audited HLTV of 75% exceeds Guideline HCLTV of 70% A lender exception is present in the loan file, dated after
consummation, providing adequate comp factors. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Received a Lender Exception to approve an LTV of 75% based on FICO of 718 which is slightly lower than standard 720 requirement.  The Exception is dated post-closing, and adequate comp factors have been provided.  Provide a corrected Lender Exception form with the Conditions to allow the exception to state the conditions have been provided and are cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Please provide a formal exception from the investor with valid comp factors.  - Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-Exception approved by XXXXXXXX. - Seller-XX/XX/XXXX
Open-Audited HLTV of 75% exceeds Guideline HCLTV of 70% Maximum LTV/CLTV allowed for subject loan amount and borrower FICO score for Alternate Document program is 70%. Current LTV on the loan file is 75%. - Due Diligence Vendor-XX/XX/XXXX

Waived-Audited HLTV of 75% exceeds Guideline HCLTV of 70% A lender exception is present in the loan file, dated after
consummation, providing adequate comp factors. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Exception.pdf

XXXXXXXX_Exception.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

Yes

HILD2026NQM1-265

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Audited LTV of 75% exceeds Guideline LTV of 70% A lender exception is present in the loan file, dated after
consummation, providing adequate comp factors. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Received a Lender Exception to approve an LTV of 75% based on FICO of 718 which is slightly lower than standard 720 requirement.  The Exception is dated post-closing, and adequate comp factors have been provided.  Provide a corrected Lender Exception form with the Conditions to allow the exception to state the conditions have been provided and are cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Please provide a formal exception from the investor with valid comp factors.  - Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-Exception approved by XXXXXXXX. - Seller-XX/XX/XXXX
Open-Audited LTV of 75% exceeds Guideline LTV of 70% Maximum LTV/CLTV allowed for subject loan amount and borrower FICO score for Alternate Document program is 70%. Current LTV on the loan file is 75%. - Due Diligence Vendor-XX/XX/XXXX

Waived-Audited LTV of 75% exceeds Guideline LTV of 70% A lender exception is present in the loan file, dated after
consummation, providing adequate comp factors. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Exception.pdf

XXXXXXXX_Exception.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

Yes

HILD2026NQM1-265

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-267

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-268

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-269

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Document Uploaded. Waiver approved by investor with compensating factors. A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX
Waived-Document Uploaded. Waiver approved by investor with compensating factors. - Due Diligence Vendor-XX/XX/XXXX
Open-Audited DTI of 52.18% exceeds Guideline DTI of 50% - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated 1008 and 1003 showing DTI 52.18%. - Seller-XX/XX/XXXX
Counter-Exception provided was for DTI of 52.18, thus invalid. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Exception has been approved with the final pricing of $X,XXX.XX. Please confirm with XXXXXXXX and waive this condition. - Seller-XX/XX/XXXX
Open-Audited DTI of 55.41% exceeds Guideline DTI of 50% The Audited DTI of 55.41% exceeds Guideline DTI of 50%. Audited DTI matched 1008 DTI. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated 1008 and 1003 showing DTI 52.18%. - Seller-XX/XX/XXXX

Ready for Review-Exception has been approved with the final pricing of $X,XXX.XX. Please confirm with XXXXXXXX and waive this condition. - Seller-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX_DTI exception.pdf

CLTV of 14.04%
No credit late payments

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-269

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Partially Provided

Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please let me know if the document is still illegible. - Seller-XX/XX/XXXX

Open-Flood Certificate is Partially Provided Please provide complete Flood Certificate as the cert in file is incomplete. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please let me know if the document is still illegible. - Seller-XX/XX/XXXX

Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX

FLOOD CERT.pdf

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-269

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-272

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Trust Documentation

Resolved-Certification of trust received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Missing Trust Documentation Lender guidelines require Trust Certificate to be in the loan file. Trust Documentation is missing. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Certification of trust received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX CERT.pdf

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-272

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-273

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX
Resolved-Lender provided additional account statement for XXXXXXXX fund. - Due Diligence Vendor-XX/XX/XXXX
Counter-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Made changes, per guidelines, 4 months of $X,XXX.XX for 4 months Principal & Interest payment + Cash to Close $X,XXX.XX = $X,XXX.XX- verified assets $X,XXX.XX,$X,XXX.XX =$X,XXX.XX shortage. There is still a shortage even with the change from Whole PITIA to P&I payment per guidelines. condition remains - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XXXXXXXX seems to be going by 4 months "PITIA". The actual reserve amount should be 4 months of "P&I" only $X,XXX.XX. - Seller-XX/XX/XXXX
Counter-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Removal of gift funds results in reserve shortage. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. There is no gift for this loan. - Seller-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Acceptable gift letter and supporting documentation from donor for gift funds listed on Final 1003 are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XXXXXXXX seems to be going by 4 months "PITIA". The actual reserve amount should be 4 months of "P&I" only $X,XXX.XX. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. There is no gift for this loan. - Seller-XX/XX/XXXX

POST XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-273

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

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

Resolved-Lender provided additional account statement for XXXXXXXX fund. - Due Diligence Vendor-XX/XX/XXXX

Counter-Total assets calculated from the ending balances of checking acct statement and statements from 2 investment accounts. Accounts are listed on the final 1003. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Please clarify how the verified asset amount of $X,XXX.XX was determined. - Seller-XX/XX/XXXX

Counter-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX Made changes, per guidelines, 4 months of $X,XXX.XX for 4 months Principal & Interest payment + Cash to Close $X,XXX.XX = $X,XXX.XX- verified assets $X,XXX.XX,$X,XXX.XX =$X,XXX.XX shortage. There is still a shortage even with the change from Whole PITIA to P&I payment per guidelines. condition remains - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Required reserves should be 4 months of "P&I" only $X,XXX.XX, not the whole PITIA. Therefore, we are not short on reserves. Please clear the condition. - Seller-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 Removal of gift funds results in reserve shortage. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Please clarify how the verified asset amount of $X,XXX.XX was determined. - Seller-XX/XX/XXXX

Ready for Review-Required reserves should be 4 months of "P&I" only $X,XXX.XX, not the whole PITIA. Therefore, we are not short on reserves. Please clear the condition. - Seller-XX/XX/XXXX

Resolved-Lender provided additional account statement for XXXXXXXX fund. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-273

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Gift Documentation

Resolved-Lender did not use the gift funds - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Please always refer to the post 1003 for all loans. If any revisions or updates are made to the final 1003, we provide a post 1003 to reflect those changes, and it is considered the final and most accurate version of the application. For this loan, page 3 of the closing package shows the assets information with the total asset amount of $X,XXX.XX - Seller-XX/XX/XXXX
Counter-Total assets calculated from the ending balances of checking acct statement and statements from 2 investment accounts. Accounts are listed on the final 1003. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Please explain how the verified asset amount of $X,XXX.XX was calculated. Unable to determine where this figure was derived from based on the documentation provided. - Seller-XX/XX/XXXX
Counter-Made changes, per guidelines, 4 months of $X,XXX.XX for 4 months Principal & Interest payment + Cash to Close $X,XXX.XX = $X,XXX.XX- verified assets $X,XXX.XX,$X,XXX.XX =$X,XXX.XX shortage. There is still a shortage even with the change from Whole PITIA to P&I payment per guidelines. condition remains - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Reserves required $X,XXX.XX + Cash to close $X,XXX.XX,$X,XXX.XX = $X,XXX.XX,$X,XXX.XX
Total asset we have is $X,XXX.XX which is enough to cover both reserves and cash to close.
Please clarify why we are short. - Seller-XX/XX/XXXX
Counter-Removal of gift funds results in reserve shortage. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Post 1003 was provided on pages 2-11 of the closing package. The gift has been removed. - Seller-XX/XX/XXXX
Open-Guidelines require a signed gift letter from the donor specifying the following: (1) the specific dollar amount of the gift and the date the funds were transferred to the borrower, (2)donor’s name, address, telephone number and the relationship to the borrower and (3) the donor’s statement that no repayment is expected. The gift documentation is missing for the gift funds listed on the final application. Acceptable gift letter and supporting documentation from donor for gift funds listed on Final 1003 are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Please always refer to the post 1003 for all loans. If any revisions or updates are made to the final 1003, we provide a post 1003 to reflect those changes, and it is considered the final and most accurate version of the application. For this loan, page 3 of the closing package shows the assets information with the total asset amount of $X,XXX.XX - Seller-XX/XX/XXXX

Ready for Review-Please explain how the verified asset amount of $X,XXX.XX was calculated. Unable to determine where this figure was derived from based on the documentation provided. - Seller-XX/XX/XXXX

Ready for Review-Reserves required $X,XXX.XX + Cash to close $X,XXX.XX,$X,XXX.XX = $X,XXX.XX,$X,XXX.XX
Total asset we have is $X,XXX.XX which is enough to cover both reserves and cash to close.
Please clarify why we are short. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. Post 1003 was provided on pages 2-11 of the closing package. The gift has been removed. - Seller-XX/XX/XXXX

Resolved-Lender did not use the gift funds - Due Diligence Vendor-XX/XX/XXXX

POST XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-275

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-277

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of XXX Dues for REO1

Resolved-Lender provided LOE for no XXX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. NO XXX LOE - Seller-XX/XX/XXXX
Open-Missing Evidence of XXX Dues for REO1 Please provide evidence of XXX dues for REO 3a listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. NO XXX LOE - Seller-XX/XX/XXXX

Resolved-Lender provided LOE for no XXX - Due Diligence Vendor-XX/XX/XXXX

LOE_no XXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-278

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided proof of deposit for 3b rental income for 2 months. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-For Rental income, lender guidelines require lease agreement with two months of rental receipt proof (such as most recent 2 months bank statements, or cancelled checks). Two months of rental receipt proof missing for REO 3b on Final 1003. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Lender provided proof of deposit for 3b rental income for 2 months. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX 5-7-XXXXXXXX.pdf

XXXXXXXX XX/XX/XXXX XXXXXXXX RENT.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-278

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-279

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-280

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX
Open-An updated title report is required, including the proposed policy amount, borrower name, and lender name. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX(XXXXXXXX) XXXXXXXX-LOAN-XX-2P1L XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-280

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-282

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-283

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-284

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Property

Value

Missing Valuation Review Product - 1

Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX
Waived-Waived per investor.  - Due Diligence Vendor-XX/XX/XXXX
Counter-Exception provided on XX/XX/XXXX is identical to exception provided on XX/XX/XXXX. Please provide the updated exception incorporating underwriter's comments from XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. EXCEPTION FORM UPDATED  - Seller-XX/XX/XXXX
Counter-Received a lender exception to waive the requirement for a CDA. The exception is dated post-closing. Please correct the cash out amount of $X,XXX.XX. The loan is a purchase in which borrower brought cash to closing.

- Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-XXXXXXXX Guidelines require a CDA with the exception of when 2 appraisals are provided. Provide a formal approved lender exception with compensating factors.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. CU score 1 - Seller-XX/XX/XXXX
Open-A valid secondary valuation supporting the origination appraisal value is not present. Valid secondary valuation supporting the origination appraisal value is not present. Lender guidelines require a CDA for all loans. CDA is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. EXCEPTION FORM UPDATED - Seller-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. CU score 1 - Seller-XX/XX/XXXX

CU.pdf

XXXXXXXX_Exception.pdf

XXXXXXXX_Exception.pdf

DTI 5% below max qualifying
Credis score 10pts above min qualifying
no derog evenets
2 mo reserves.

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-284

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

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

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-284

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-285

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-286

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Executed 4506-T Missing

Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-4506-T is not required for Non-QM loans. Please waive this condition. - Seller-XX/XX/XXXX
Open-Borrower 2 Executed 4506-T Missing 4506-T for B2 is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-4506-T is not required for Non-QM loans. Please waive this condition. - Seller-XX/XX/XXXX

Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-286

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Credit

Insurance

HO6 Insurance Policy Effective Date is after the Note Date

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-286

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-287

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing Borrower Identification - Borrower 1. Borrower Identification missing for borrower. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-287

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-PCCD has been provided. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Resolved. Received PCCD. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Received a PCCD dated XX/XX/XXXX that matches the PCCD already reviewed and dated XX/XX/XXXX.  Provide the Lender compliance report so that we can determine which fees are causing the issue. The report in the file does not match the Final or PCCD.  Cure is $X,XXX.XX. - 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. (XXXXXXXX 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-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. (XXXXXXXX 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Provide Letter of Explanation, Proof of Restitution, Disclosure Correct Information, and Proof of Delivery to Borrower. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-PCCD has been provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved. Received PCCD. - Due Diligence Vendor-XX/XX/XXXX

POST CD - XXXXXXXX.pdf

POST CD - XXXXXXXX Revised.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-287

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-288

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Confirmed leases convert to month to month. Rental payments confirmed on bank statements. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Lease has been converted to month-to-month according to 2.TermB.(iii) Housing Provider accepts rent from tenant, in which case a month-to-month tenancy shall be created. This is common in XXXXXXXX residential lease. - Seller-XX/XX/XXXX

Open-REO 3a, 3b, 3d, 3e, 3f, 3g, 3h, 3i, 3j, 3l, and 3m listed on Final 1003. Lease agreement term period is expired. Please provide extension agreements. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Lease has been converted to month-to-month according to 2.TermB.(iii) Housing Provider accepts rent from tenant, in which case a month-to-month tenancy shall be created. This is common in XXXXXXXX residential lease. - Seller-XX/XX/XXXX

Resolved-Confirmed leases convert to month to month. Rental payments confirmed on bank statements. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-288

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-289

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-290

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-Lender has provided approved exception form dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX
Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Please contact the investor and provide a formal exception from the investor with valid comp factors. - Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Please contact the investor and provide a formal exception from the investor with valid comp factors.  - Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-Can we request an exception? Borrower's credit history is quite long, just lacked recent activities. - Seller-XX/XX/XXXX
Open-ATR Risk - Credit History taken into consideration does not meet requirements .Minimum Tradeline requirement not met for two FICO score. Guideline require at least 3 tradelines reporting 12-months history with having activity in past 12 months or at least 2 tradelines reporting 24-month history with having activity in past 12 months. Credit report reflect only two tradeline with 24-month history having activity in past 12 months; however, one of the account is authorized user account which is not an acceptable tradeline. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Document Uploaded. - Seller-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Can we request an exception? Borrower's credit history is quite long, just lacked recent activities. - Seller-XX/XX/XXXX

XXXXXXXX_Exception.pdf

XXXXXXXX_exception_XXXXXXXX.pdf

CLTV <5% below the maximum qualifying, DTI <5% below the maximum qualifying, Residual income ≥ 1.5 monthly debts. Credit score ≥ 10+ points more than qualifying, minimal debts and revolving accts.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-290

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Property

Value

Missing Valuation Review Product - 1

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Received exception regarding tradeline requirement and A lender exception to waive the requirement of CDA is present in the loan file. The exception is dated post consummation and provides adequate comp factors. Please correct the Cash out amount to $0 instead of $X,XXX.XX. The loan is a purchase requiring $X,XXX.XX cash to close. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-A lender exception to waive the requirement of CDA is present in the loan file.  The exception is dated post consummation and provides adequate comp factors.  Please correct the Cash out amount to $0 instead of $X,XXX.XX. The loan is a purchase requiring $X,XXX.XX cash to close. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Please contact the investor to obtain a written exception.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see email communication with XXXXXXXX. - Seller-XX/XX/XXXX
Counter-XXXXXXXX Guidelines require a CDA except for when 2 appraisals are required. Provide a formal approved Lender exception with compensating factors. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Per communication with XXXXXXXX on XX/XX/XXXX, CU <= 2.5 can be used as a secondary valuation. - Seller-XX/XX/XXXX
Open-A valid secondary valuation supporting the origination appraisal value is not present. Valid secondary valuation supporting the origination appraisal value is not present. Lender guidelines require CDA for all loans. CDA is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see email communication with XXXXXXXX. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. Per communication with XXXXXXXX on XX/XX/XXXX, CU <= 2.5 can be used as a secondary valuation. - Seller-XX/XX/XXXX

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

CU 1.3.pdf

XXXXXXXX.pdf

XXXXXXXX_Exception.pdf

XXXXXXXX_exception_XXXXXXXX.pdf

XXXXXXXX_Exception (1).pdf

CLTV < 5% below the maximum qualifying
Credit score > 10 points more than qualifying
No derogatory events
Reserves over 2 months PITI

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-290

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Trade XXXXXXXX count does not meet program requirements

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Received a Lender Exception that states the requirement for CDA is waived. Provide a valid Lender exception with compensating factors for the lack of credit history as stated in previous comments. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Please contact the investor to obtain a written exception.  - Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-Borrower's credit history is quite long, just lacked recent activities. - Seller-XX/XX/XXXX
Counter-Please contact the investor and provide a formal exception from the investor with valid comp factors.  - Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-Can we request an exception? Borrower's credit history is quite long, just lacked recent activities. - Seller-XX/XX/XXXX
Open-Minimum Tradeline requirement not met for two FICO score. Guideline require at least 3 tradelines reporting 12-months history with having activity in past 12 months or at least 2 tradelines reporting 24-month history with having activity in past 12 months. Credit report reflect only two tradeline with 24-month history having activity in past 12 months; however, one of the account is authorized user account which is not an acceptable tradeline. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Borrower's credit history is quite long, just lacked recent activities. - Seller-XX/XX/XXXX

Unable to Resolve-Unable to Resolve-Can we request an exception? Borrower's credit history is quite long, just lacked recent activities. - Seller-XX/XX/XXXX

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Exception.pdf

XXXXXXXX_exception_XXXXXXXX.pdf

CTTV <5% below the maximum qualifying, DTI <5% below the maximum qualifying, Residual income ≥ 1.5 monthly debts. Credit score ≥ 10+ points more than qualifying, minimal debts and revolving accts.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-290

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-291

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

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 Effective Date is same day as Disbursement Date. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-291

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-292

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-293

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-294

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-295

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-296

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-297

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-CPA license verified. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Lender guidelines require documentation that the CPA license is verified and active. Required documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-CPA license verified. Resolved. - Due Diligence Vendor-XX/XX/XXXX

CPA XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-297

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

HILD2026NQM1-298

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-299

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Asset is already in the closing package. Provided again. - Seller-XX/XX/XXXX
Counter-Received PCCD reflecting adjustment to closing funds in the amount of $X,XXX.XX, please provide proof of additional borrower’s funds. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cash back to borrower $X,XXX.XX + remaining asset after closing funds $X,XXX.XX = $X,XXX.XX,$X,XXX.XX which is enough to cover 4mo P&I of $X,XXX.XX - Seller-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require 4 months principal & Interest payment for reserves for subject property when LTV > 75%. Assets documented in file do not meet the requirement of 4 months of reserves for subject property plus the required cash to close. Total Reserve Amount Shortage is $X,XXX.XX. Please provide proof of additional assets for the subject transaction. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Asset is already in the closing package. Provided again. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. Cash back to borrower $X,XXX.XX + remaining asset after closing funds $X,XXX.XX = $X,XXX.XX,$X,XXX.XX which is enough to cover 4mo P&I of $X,XXX.XX - Seller-XX/XX/XXXX

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX

PCCD FSS XXXXXXXX.pdf

XXXXXXXX XX/XX/XXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-299

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

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

Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount 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-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

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Counter-Received PCCD reflecting adjustment to closing funds in the amount of $X,XXX.XX, please provide proof of additional borrower’s funds. Condition remains. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-4 months of P&I is $X,XXX.XX, not $X,XXX.XX. It appears the reviewer had calculated PITIA instead of P&I. Please clear the condition. Borrower's remaining funds after closing funds + cash back to borrower is enough to cover the reserves. - Seller-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 Lender guidelines require 4 months principal & Interest payment for reserves for subject property when LTV > 75%. Assets documented in file do not meet the requirement of 4 months of reserves for subject property plus the required cash to close. Total Reserve Amount Shortage is $X,XXX.XX. Please provide proof of additional assets for the subject transaction. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-4 months of P&I is $X,XXX.XX, not $X,XXX.XX. It appears the reviewer had calculated PITIA instead of P&I. Please clear the condition. Borrower's remaining funds after closing funds + cash back to borrower is enough to cover the reserves. - Seller-XX/XX/XXXX

XXXXXXXX XX/XX/XXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-299

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of 33.93 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-PCCD provided - Seller-XX/XX/XXXX

Open-Audited Reserves of 3.49 month(s) are less than Guideline Required Reserves of 4 month(s) Lender guidelines require 4 months principal & Interest payment for reserves for subject property when LTV > 75%. Assets documented in file do not meet the requirement of 4 months of reserves for subject property plus the required cash to close. Total Reserve Amount Shortage is $X,XXX.XX. Please provide proof of additional assets for the subject transaction. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-PCCD provided - Seller-XX/XX/XXXX

Resolved-Audited Reserves of 33.93 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-299

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-300

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-300

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-301

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Second Home

Purchase

XXXXXXXX

HILD2026NQM1-302

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided documentation of P&I used for reserves only. Verified with guidelines that only used P&I. Condition resolved. - 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-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-PCCD uploaded. 4 mo P&I only, not PITIA - Seller-XX/XX/XXXX

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The Audited Reserves of 3.18 month(s) are less than Guideline Required Reserves of 4 month(s). Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-PCCD uploaded. 4 mo P&I only, not PITIA - Seller-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-302

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

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

Resolved-Lender provided documentation of P&I used for reserves only. Verified with guidelines that only used P&I. Condition resolved. - 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-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

Ready for Review-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Reserves required amount is 4 months of P&I only, which is $X,XXX.XX. It looks like XXXXXXXX's calculation is 4 months of PITIA. Please calculate as p&I only. - Seller-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 Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Reserves required amount is 4 months of P&I only, which is $X,XXX.XX. It looks like XXXXXXXX's calculation is 4 months of PITIA. Please calculate as p&I only. - Seller-XX/XX/XXXX

PCCD FSS.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-302

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Lender provided documentation of P&I used for reserves only. Verified with guidelines that only used P&I. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited Reserves of 4.06 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited Reserves of 9.63 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-PCCD uploaded. 4 mo P&I only, not PITIA - Seller-XX/XX/XXXX

Open-Audited Reserves of 3.18 month(s) are less than Guideline Required Reserves of 4 month(s) The Audited Reserves of 3.18 month(s) are less than Guideline Required Reserves of 4 month(s). Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-PCCD uploaded. 4 mo P&I only, not PITIA - Seller-XX/XX/XXXX

Resolved-Lender provided documentation of P&I used for reserves only. Verified with guidelines that only used P&I. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited Reserves of 4.06 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited Reserves of 9.63 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-302

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-303

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-304

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (XXXXXXXX)

Resolved-Lender provided Post CD with LOE to borrower with proof of delivery and copy of refund check for change of Lender credit in amount of $X,XXX.XX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is $X,XXX.XX. The actual total fee amount shows a credit amount of $X,XXX.XX. The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (XXXXXXXX 1026.19e)(3) and comments 19(e)(3)-5 and -6; XXXXXXXX 1026.37(g)(6); XXXXXXXX 1026.38(h)). The Loan Estimate, dated XX/XX/XXXX, reflects a general Lender Credit of $X,XXX.XX in XXXXXXXX J. Final CD dated XX/XX/XXXX reflects a general Lender Credit of $X,XXX.XX in XXXXXXXX J. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

COC - XXXXXXXX credit.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-304

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (XXXXXXXX)

Resolved-Lender provided Post CD with LOE to borrower with proof of delivery and copy of refund check for change of Lender credit in amount of $X,XXX.XX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is $X,XXX.XX. The Last CD shows a total lender credit amount of $X,XXX.XX. The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXXXXXX 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; XXXXXXXX 1026.19(f)(2)(v); XXXXXXXX 1026.37(g)(6); XXXXXXXX 1026.38(h)). The Loan Estimate, dated XX/XX/XXXX, reflects a general Lender Credit of $X,XXX.XX in XXXXXXXX J. Final CD dated XX/XX/XXXX reflects a general Lender Credit of $X,XXX.XX in XXXXXXXX J. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

POST CD - XXXXXXXX.pdf

LOE TO XXXXXXXX.pdf

XXXXXXXX OF DELIVERY.pdf

XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-304

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-305

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-306

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-307

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-308

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Business Purpose Affidavit

Resolved-Business Purpose Affidavit provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Business Purpose Affidavit provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX

BUSINESS CERT.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-308

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided credit supplemental, which shows the 1st lien for 3a matches Final 1003. Loan is current with no late payments. condition resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Credit supplement for XXXXXXXX mortgage was provided, confirming the past payment on XX/XX/XXXX for XX/XX/XXXX and no late payments in the past 12 months. Please explain why a mortgage statement is required. - Seller-XX/XX/XXXX

Open-Please provide current mortgage statement for 1st lien on REO 3a on Final 1003. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Credit supplement for XXXXXXXX mortgage was provided, confirming the past payment on XX/XX/XXXX for XX/XX/XXXX and no late payments in the past 12 months. Please explain why a mortgage statement is required. - Seller-XX/XX/XXXX

Resolved-Lender provided credit supplemental, which shows the 1st lien for 3a matches Final 1003. Loan is current with no late payments. condition resolved - Due Diligence Vendor-XX/XX/XXXX

CREDIT XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-309

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-310

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-311

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-312

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-314

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited HCLTV Exceeds Guideline HCLTV

Resolved-Received commitment letter reflecting correct GL XXXXXXXX XXXXXX XXX Statements XX/XX/XXXX. Updated GL. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Counter-Hello, per documentation provided with loan, loan was UW to XXXXXXXX Non-QM_revised XXXXXXXX 1, XXXX which list investment cash out refinance with max LTV/CLTV of 70%. Condition remains. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XXXXXXXX LTV 75% - Seller-XX/XX/XXXX

Open-Audited HLTV of 75% exceeds Guideline HCLTV of 70% The Audited HCLTV of 75% exceeds Guideline HCLTV of 70%. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XXXXXXXX LTV 75% - Seller-XX/XX/XXXX

Resolved-Received commitment letter reflecting correct GL XXXXXXXX XXXXXX XXX Statements XX/XX/XXXX. Updated GL. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-314

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Resolved-Received commitment letter reflecting correct GL XXXXXXXX XXXXXX XXX Statements XX/XX/XXXX. Updated GL. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Counter-Hello, per documentation provided with loan, loan was UW to XXXXXXXX Non-QM_revised XXXXXXXX X, XXXX which list investment cash out refinance with max LTV/CLTV of 70%. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XXXXXXXX LTV IS 75% - Seller-XX/XX/XXXX
Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% The Audited CLTV of 75% exceeds Guideline CLTV of 70%. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XXXXXXXX LTV IS 75% - Seller-XX/XX/XXXX

Resolved-Received commitment letter reflecting correct GL XXXXXXXX XXXXXX XXX Statements XX/XX/XXXX. Updated GL. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-314

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Received commitment letter reflecting correct GL XXXXXXXX XXXXXX XXX Statements XX/XX/XXXX. Updated GL. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The “XXXXXXXX Non-QM” guideline that was initially provided was submitted in error. Since this loan is under the XXXXXX XXX Statement program, the applicable guideline should be the XXXXXXXX XXXXXX XXX Statement guideline. Please refer to the attached commitment letter which confirms the loan program as XXXXXX XXX Statement, and use the correct XXXXXXXX XXXXXX XXX Statement guideline that was uploaded yesterday. - Seller-XX/XX/XXXX
Counter-Hello, per documentation provided with loan, loan was UW to XXXXXXXX Non-QM_revised XXXXXXXX X, XXXX which list investment cash out refinance with max LTV/CLTV of 70%. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please refer to the attached guideline. This loan is actually under the XXXXXX XXXX statement program. Max LTV limit for this loan is 75%. - Seller-XX/XX/XXXX
Open-Audited LTV of 75% exceeds Guideline LTV of 70% The Audited LTV of 75% exceeds Guideline LTV of 70%. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. The “XXXXXXXX Non-QM” guideline that was initially provided was submitted in error. Since this loan is under the XXXXXX XXX Statement program, the applicable guideline should be the XXXXXXXX XXXXXX XXX Statement guideline. Please refer to the attached commitment letter which confirms the loan program as XXXXXX XXX Statement, and use the correct XXXXXXXX XXXXXX XXX Statement guideline that was uploaded yesterday. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Please refer to the attached guideline. This loan is actually under the XXXXXX XXX statement program. Max LTV limit for this loan is 75%. - Seller-XX/XX/XXXX

Resolved-Received commitment letter reflecting correct GL XXXXXXXX XXXXXX XXX Statements XX/XX/XXXX. Updated GL. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Statement XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-314

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Received documentation confirming primary residence PITIA. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Counter-REO 3b on Final 1003 Note, HOI and final CD. Missing evidence of taxes. Condition remains. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-PROVIDED IN THE OTHER CONDITION - Seller-XX/XX/XXXX

Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements PITIA documentation for the primary residence (REO 3b on Final 1003) is missing from the loan file. Please provide the required supporting documentation. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-PROVIDED IN THE OTHER CONDITION - Seller-XX/XX/XXXX

Resolved-Received documentation confirming primary residence PITIA. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-314

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Tax for XXXXXXXX is just the XXXXXXXX default tax calculation method, as this property was a Purchase loan: Sales price x 1.25% / 12. $% / $X,XXX.XX = $X,XXX.XX - Seller-XX/XX/XXXX
Counter-REO 3b on Final 1003 Note, HOI and final CD. Missing evidence of taxes. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. REO DOCUMENT FOR XXXXXXXX- NOTE, INSURANCE, FINAL CD - Seller-XX/XX/XXXX
Open-PITIA documentation for the primary residence (REO 3b on Final 1003) is missing from the loan file. Please provide the required supporting documentation. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received documentation confirming primary residence PITIA. - XX/XX/XXXX

Ready for Review-Tax for XXXXXXXX is just the XXXXXXXX default tax calculation method, as this property was a Purchase loan: Sales price x 1.25% / 12. $% / $X,XXX.XX = $X,XXX.XX - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. REO DOCUMENT FOR XXXXXXXX- NOTE, INSURANCE, FINAL CD - Seller-XX/XX/XXXX

REO XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-314

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-314

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-315

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

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 The HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX. Disbursement Date is XX/XX/XXXX per PCCD. Finding downgraded. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-315

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-316

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-317

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-318

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

HILD2026NQM1-319

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-320

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-320

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-Housing History Does Not Meet Guideline Requirements Lender exception in file to use rent-free housing history where housing is provided by a close friend, not a family member. Borrower has lived with family until recently but moved into a friend’s house a month ago. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX

1) CLTV < 5% below the Maximum Qualifying.
2) Residual Income > 1.5x Monthly Debts.
3) Credit Score > 10+ points more than qualifying.
4) No derogatory events.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

Yes

HILD2026NQM1-321

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-322

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-The initial CD is dated XX/XX/XXXX and the final CD is dated XX/XX/XXXX. This is in exactly 3 business days. Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-The initial CD is dated XX/XX/XXXX and the final CD is dated XX/XX/XXXX. This is in exactly 3 business days. Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-The initial CD is dated XX/XX/XXXX and the final CD is dated XX/XX/XXXX. This is in exactly 3 business days. Please waive this condition. - Seller-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. (XXXXXXXX 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial Closing Disclosure is missing from loan file. Compliance will be re-reviewed upon receipt of the Initial LCD. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-The initial CD is dated XX/XX/XXXX and the final CD is dated XX/XX/XXXX. This is in exactly 3 business days. Please waive this condition. - Seller-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-322

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-323

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided the 1008. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Counter-Lender provided the Commitment letter, however the 1008 was not provided in the loan file. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. APPROVAL LETTER - Seller-XX/XX/XXXX
Open-Missing Approval/Underwriting Summary Approval/Underwriting Summary is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. APPROVAL LETTER - Seller-XX/XX/XXXX

Resolved-Lender provided the 1008. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-323

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-323

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-324

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-325

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-326

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided PCCD showing funds being returned to the borrower, which is sufficient to cover the reserves. Condition cleared. - 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-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-REQUIRED RESERVES IS $X,XXX.XX - Seller-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The Audited Reserves of 3.33 month(s) are less than Guideline Required Reserves of 4 month(s). Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-REQUIRED RESERVES IS $X,XXX.XX - Seller-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-326

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

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

Resolved-Lender provided PCCD showing funds being returned to the borrower, which is sufficient to cover the reserves. Condition cleared. - 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
Ready for Review-Document Uploaded. Required reserves amount is 4 month P&I of $X,XXX.XX+ 30 day account balance of $X,XXX.XX, which is $X,XXX.XX.
PCCD showing refund to borrower of $X,XXX.XX, which is enough to cover the required reserves. - Seller-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 Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Required reserves amount is 4 month P&I of $X,XXX.XX+ 30 day account balance of $X,XXX.XX, which is $X,XXX.XX.
PCCD showing refund to borrower of $X,XXX.XX, which is enough to cover the required reserves. - Seller-XX/XX/XXXX

PCCD.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-326

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Lender provided PCCD showing funds being returned to the borrower, which is sufficient to cover the reserves. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Audited Reserves of 7.93 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-PCCD UPLOADED - Seller-XX/XX/XXXX
Open-Audited Reserves of 3.73 month(s) are less than Guideline Required Reserves of 4 month(s) The Audited Reserves of 3.33 month(s) are less than Guideline Required Reserves of 4 month(s). Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-PCCD UPLOADED - Seller-XX/XX/XXXX

Resolved-Lender provided PCCD showing funds being returned to the borrower, which is sufficient to cover the reserves. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited Reserves of 7.93 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-327

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided post closing asset summary. Added back the closing funds to get the pre-closing balance. Verified sufficient assets. Condition cleared - 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-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Reserves amount is 4 months of P&I only, not PITIA. So the required amount is $X,XXX.XX. - Seller-XX/XX/XXXX

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $X,XXX.XX. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Reserves amount is 4 months of P&I only, not PITIA. So the required amount is $X,XXX.XX. - Seller-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-327

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

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

Resolved-Lender provided post closing asset summary. Added back the closing funds to get the pre-closing balance. Verified sufficient assets. Condition cleared - 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
Ready for Review-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Please recalculated the reserves - Seller-XX/XX/XXXX
Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $X,XXX.XX The Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $X,XXX.XX. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Please recalculated the reserves - Seller-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-327

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

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

Resolved-Lender provided post closing asset summary. Added back the closing funds to get the pre-closing balance. Verified sufficient assets. Condition cleared - Due Diligence Vendor-XX/XX/XXXX

Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Insufficient asset documentation in file - assets do not cover closing costs. . - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Even after the deduction of closing funds of $X,XXX.XX, there are still available balance of $X,XXX.XX to cover the required reserves amount of $X,XXX.XX (4 months P&I). - Seller-XX/XX/XXXX

Open-Insufficient asset documentation in file - assets do not cover closing costs. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Even after the deduction of closing funds of $X,XXX.XX, there are still available balance of $X,XXX.XX to cover the required reserves amount of $X,XXX.XX (4 months P&I). - Seller-XX/XX/XXXX

CLOSING FUNDS.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-327

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Lender provided post closing asset summary. Added back the closing funds to get the pre-closing balance. Verified sufficient assets. Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Resolved-Audited Reserves of 4.42 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Reserves is 4month P&I only - Seller-XX/XX/XXXX
Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) Audited Reserves of 0 month(s) are less than Guideline Required Reserves of 4 month(s). Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Reserves is 4month P&I only - Seller-XX/XX/XXXX

Resolved-Lender provided post closing asset summary. Added back the closing funds to get the pre-closing balance. Verified sufficient assets. Condition cleared - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited Reserves of 4.42 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-327

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-328

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-329

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-330

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is greater than Guideline Maximum Loan Amount

Waived-Audited Loan Amount of $X,XXX.XX is greater than the Guideline Maximum Loan Amount of $X,XXX.XX The loan amount is $X,XXX.XX which exceeds the loan limit of $X,XXX.XX million for P&L only loans. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX

CLTV < 5% below the Maximum Qualifying. DTI < 5% below the Maximum Qualifying. Income not used to qualify. Credit Score ≥ 10+ Points more than qualifying. Reserves over two months of PITI.

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

Yes

HILD2026NQM1-331

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Missing Doc

Required Documentation is Missing

Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated.  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-The exception is provided in the loan file, however it does not show compensating factors, such as FICO > minimum, DTI lower than maximum, etc.  Please provide an exception with compensating factors - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Our exception request to qualify using only the non-occupant borrower’s income for this primary residence purchase was approved, and the -0.250 pricing adjustment has already been applied. The proof was provided in the closing package page 1. We were not advised that any additional supporting documentation or forms were required for this exception. If anything further is needed, please clarify exactly what documentation or form is being requested. - Seller-XX/XX/XXXX
Open-Per lender guidelines, non-occupant co-borrowers are not allowed. Please provide lender exception with supporting compensating factors. Lender exception in file does not have supporting compensating factors. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Our exception request to qualify using only the non-occupant borrower’s income for this primary residence purchase was approved, and the -0.250 pricing adjustment has already been applied. The proof was provided in the closing package page 1. We were not advised that any additional supporting documentation or forms were required for this exception. If anything further is needed, please clarify exactly what documentation or form is being requested. - Seller-XX/XX/XXXX

XXXXXXXX.pdf

DTI < 5% below the Maximum Qualifying
Employment for an extended period at the same job
Credit score > 10+ Points more than qualifying
36+ Months 0x30 housing payment history
No derogatory event
Reserves over 2 months of PITI

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

Yes

HILD2026NQM1-331

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-332

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-333

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Disbursement Date

Resolved-Lender provided PCCD with disbursement date of XX/XX/XXXX to be compliant with HOI. condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Please see the PCCD in the closing package page 252. The Disbursement date is XX/XX/XXXX. Please clear the condition. - Seller-XX/XX/XXXX
Open-The provided HOI policy period is dated XX/XX/XXXX to XX/XX/XXXX, closing date is XX/XX/XXXX and the disbursement date is XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Please see the PCCD in the closing package page 252. The Disbursement date is XX/XX/XXXX. Please clear the condition. - Seller-XX/XX/XXXX

Resolved-Lender provided PCCD with disbursement date of XX/XX/XXXX to be compliant with HOI. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-334

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-335

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-338

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Fraud.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-339

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Lender provided SOS for all of the businesses referenced on VVOE. condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Lender provided SOS for all of the businesses referenced on VVOE. 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-Document Uploaded. SOS - Seller-XX/XX/XXXX
Open-Borrower 1 3rd Party VOE Prior to Close Missing Please provide SOS of XXXXXXXX business searches referenced in VVOEs. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. SOS - Seller-XX/XX/XXXX

XXXXXXXX SOS.pdf

XXXXXXXX I SOS.pdf

XXXXXXXX SOS.pdf

XXXXXXXX I LLC.pdf

XXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-339

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. SOS - Seller-XX/XX/XXXX

Open-ATR Risk - Employment validation/verification standards do not meet requirements Please provide SOS of XXXXXXXX business searches referenced in VVOEs. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. SOS - Seller-XX/XX/XXXX

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX SOS.pdf

XXXXXXXX I SOS.pdf

XXXXXXXX SOS.pdf

XXXXXXXX I LLC.pdf

XXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-339

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXXX and cleared alerts - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report Third Party Fraud Report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXXX and cleared alerts - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-341

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower(s)
- Due Diligence Vendor-XX/XX/XXXX

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX econsent.pdf

XXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-344

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-345

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-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-Document Uploaded. - Buyer-XX/XX/XXXX

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require a gift letter, signed by the donor. The gift letter must specify the dollar amount of the gift, include the donor’s statement that no repayment is expected and indicate the donor’s name, address, telephone number, and relationship to the borrower. The gift letter is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX UW rebuttal on gift XXXXXXXX (2).pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-345

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Gift not used. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Lender guidelines require a gift letter, signed by the donor. The gift letter must specify the dollar amount of the gift, include the donor’s statement that no repayment is expected and indicate the donor’s name, address, telephone number, and relationship to the borrower. The gift letter is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Gift not used. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX UW rebuttal on gift XXXXXXXX (2).pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-346

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Missing Certificate of Occupancy

Resolved-Document received, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Occupancy cert - Buyer-XX/XX/XXXX

Open-Missing certificate of occupancy. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Document received, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX of XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-346

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Business Purpose Affidavit

Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Documentation received, finding resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Business purpose cert - Buyer-XX/XX/XXXX
Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX of Business Purpose.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-347

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing explanation and supporting documentation for large deposit(s)

Resolved-Sufficient documentation provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Rebuttal -1st part - Buyer-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Please provide source of large deposit of $X,XXX.XX. If source of fund is from sale of property, please provide final CD/settlement statement confirming the same. - XX/XX/XXXX

Resolved-Sufficient documentation provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Rebuttal.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-347

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Verification of Rent

Resolved-Sufficient documentation provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Rebuttal -2nd part - Buyer-XX/XX/XXXX
Open-Please provide documents to verify rental payment history from XX/XX/XXXX for the rented property located at XXXXXXXX, XXXXXXXX, XXXXXXXX. Acceptable documents is VOR completed by landlord or Lease agreement and 12 month payment proof. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Sufficient documentation provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Rebuttal.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-347

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Econsent - Buyer-XX/XX/XXXX
Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Econsent.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-349

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Documentation received, finding resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXXXXX UCDP shows risk score of 1. This should be sufficient. We only required to provide 1 UCDP. Thank you. - Buyer-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

XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-350

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report received. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-Missing Third Party Fraud Report Third Party Fraud Report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Third Party Fraud Report received. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX fraud rpt.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-350

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing in loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX econsent.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-351

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

Appraisal Delivery Does Not Conform To E-Sign Act

Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Second Home

Purchase

XXXXXXXX

N/A

HILD2026NQM1-351

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing in loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Second Home

Purchase

XXXXXXXX

N/A

HILD2026NQM1-351

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-Missing Third Party Fraud Report Third-Party Fraud Report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX fraud rpt.pdf

XXXXXXXX

Second Home

Purchase

XXXXXXXX

N/A

HILD2026NQM1-354

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Payoff Statement for prior loan

Resolved-Payoff Statement for prior loan provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Payoff Statement for prior loan provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX payoff.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-354

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX fraud XXXXXXXX.pdf

XXXXXXXX fraud rpt.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-354

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Business Purpose Affidavit

Resolved-Business Purpose Affidavit provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. The Business Purpose Affidavit in file is not signed. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Business Purpose Affidavit provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX purpose XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-355

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-lender provided CU for 2nd valuation, which score is acceptable. 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 Uploaded. UCDP is used as 2nd valuation product - Buyer-XX/XX/XXXX
Open-A valid secondary valuation supporting the origination appraisal value is not present. Valid secondary valuation supporting the origination appraisal value is not present in loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX 2XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-355

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-E-Consent documentation for borrower(s) provided. condition resolved - Due Diligence Vendor-XX/XX/XXXX
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX econsent.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-355

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

Appraisal Delivery Does Not Conform To E-Sign Act

Resolved-Sufficient E-Consent documentation for appraisal delivery provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX econsent.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-356

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided required documentation updating the XXXXXXXX NMLS ID.   - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Received corrected Note, Final 1003. PCCD reflects incorrect NMLS. Also missing Deed of Trust and Final CD. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-NMLS ID for XXXXXXXX is incorrect on the following documents: Note, Deed of Trust, Final 1003, Final CD, PCCD. Please provide corrected documentation. Additional conditions may apply - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Lender provided required documentation updating the XXXXXXXX NMLS ID. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX signed Note.pdf

XXXXXXXX PCCD LOE to XXXXXXXX.pdf

XXXXXXXX PCCD for XXXXXXXX #s.pdf

XXXXXXXX s XXXXXXXX.pdf

XXXXXXXX updated XXXXXXXX.pdf

XXXXXXXX PCCD LOX.pdf

XXXXXXXX PCCD.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-356

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Income/Employment

Residual Income does not meet guideline minimum

Resolved-Requested documents received. Re-calculated Income from bank statements and uploaded to Bulletin XXXXXXXX. Residual Income now meets guidelines. Condition status changed to Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Counter-Residual Income worksheet received, please provide updated 1003 and 1008 to reflect updated income. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. addl residual income found by UW - updated income worksheet uploaded - Buyer-XX/XX/XXXX
Open-Residual Income is $X,XXX.XX which is less than the guideline minimum of $X,XXX.XX. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX updated XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-356

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-OFAC Check Not Completed and/or Cleared OFAC Check not completed. Fraud Report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX fraud rpt XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-356

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing Third Party Fraud Report Third Party Fraud Report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX fraud rpt XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-356

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX econsent.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-357

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-E-Consent documentation for borrower(s) provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX B1 econsent.pdf

XXXXXXXX B2 econsent.pdf

XXXXXXXX B2 econsent.pdf

XXXXXXXX B1 econsent.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-357

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

Appraisal Delivery Does Not Conform To E-Sign Act

Resolved-Sufficient E-Consent documentation for appraisal delivery provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Pending receipt of appraisal and E-consent documentation. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX B1 econsent.pdf

XXXXXXXX B2 econsent.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-357

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Subject Appraisal was provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Appraisal or other primary valuation product is missing Appraisal, including multi-family rent schedule for subject property, is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Subject Appraisal was provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-357

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided Property documentation for B2 primary residence. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Please provide current mortgage statement for REO 3a on Final 1003 for B2. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided Property documentation for B2 primary residence. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX UW XXXXXXXX docs.pdf

XXXXXXXX REO3a for B2 XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-359

XXXXXXXX

XX/XX/XXXX

Acknowledged

1 - Information

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

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-359

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-360

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided the notice of special flood hazard disclosure. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Subject loan is in flood zone and notice of special flood hazard disclosure is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided the notice of special flood hazard disclosure. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX flood XXXXXXXX.pdf

XXXXXXXX

Second Home

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-361

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-The w-2 and paystubs were provided. condition cleared - 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-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-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

XXXXXXXX B2 paystubs.pdf

XXXXXXXX B2 W2 - 1.pdf

XXXXXXXX

Second Home

Purchase

XXXXXXXX

N/A

HILD2026NQM1-361

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 W2/1099 Missing

Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 2 W2/1099 Missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX B2 W2 - 1.pdf

XXXXXXXX

Second Home

Purchase

XXXXXXXX

N/A

HILD2026NQM1-361

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Paystubs Missing

Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 2 Paystubs Missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX B2 paystubs.pdf

XXXXXXXX

Second Home

Purchase

XXXXXXXX

N/A

HILD2026NQM1-362

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

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

Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX. condition resolved. - 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

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $X,XXX.XX Missing asset documentation. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX for XXXXXXXX and closing.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-362

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

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

Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Insufficient asset documentation in file - assets do not cover closing costs. Missing asset documentation. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX for XXXXXXXX and closing.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-362

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of $X,XXX.XX.08 month(s) are greater than or equal to Guideline Required Reserves of 2-month(s) condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Audited Reserves of $X,XXX.XX.08 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Missing asset documentation. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX for XXXXXXXX and closing.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-363

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged-Lender acknowledged that the appraisal was delivered prior to the 1004D signature date.  This finding is non-material and will be rated a B grade. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-ECOA Non-Compliant: 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. Was the updated sent to borrower, only have proof of original appraisal date, which the appraiser did not signed the appraisal until XX/XX/XXXX.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: 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. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Acknowledged-Lender acknowledged that the appraisal was delivered prior to the 1004D signature date. This finding is non-material and will be rated a B grade. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX econsent.pdf

XXXXXXXX cert on XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

HILD2026NQM1-363

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (XXXXXXXX)

Resolved-Lender provided COC for 1004D added to CD dated XX/XX/XXXX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-A Lender Credit for Excess Charges of $X,XXX.XX, Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) 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 Initial CD, dated XX/XX/XXXX, reflects no Appraisal Fee 1004D. Final CD dated XX/XX/XXXX reflects Appraisal Fee 1004D of $X,XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Lender provided COC for 1004D added to CD dated XX/XX/XXXX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX COC CD coc XXXXXXXX.pdf

XXXXXXXX COC CD XX/XX/XXXX.pdf

XXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-363

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (XXXXXXXX)

Resolved-Lender provided COC for 1004D added to CD dated XX/XX/XXXX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of $X,XXX.XX, Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) 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 Initial CD, dated XX/XX/XXXX, reflects no Appraisal Fee 1004D. Final CD dated XX/XX/XXXX reflects Appraisal Fee 1004D of $X,XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Lender provided COC for 1004D added to CD dated XX/XX/XXXX. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX COC CD coc XXXXXXXX.pdf

XXXXXXXX COC CD XX/XX/XXXX.pdf

XXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-363

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-Lender provided E-Consent. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided E-Consent. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX econsent.pdf

XXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-363

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

Appraisal Delivery Does Not Conform To E-Sign Act

Resolved-Lender provided E-Consent. condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX econsent.pdf

XXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-364

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX econsent.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-365

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX
Resolved-Received Fraud Report/Cleared Alert. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Counter-Received Fraud report. Report contains uncleared alerts for possible additional properties not listed on final 1003. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-Missing Third Party Fraud Report Third Party Fraud Report not Provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received Fraud Report/Cleared Alert. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX FRAUD XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX fraud XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-370

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline FICO

Waived-Waiver received for FICO below 720, above 710. A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception approval. - Seller-XX/XX/XXXX

Open-Audited FICO of 711 is less than Guideline FICO of 720 Lender guidelines require minimum credit score of 720 when escrow accounts are waived. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception approval. - Seller-XX/XX/XXXX

XXXXXXXX.pdf

Reserves >required,
clean history
>3 years, long time employment

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-370

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided the CD verifying the new payment for REO 3e - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. CD - Seller-XX/XX/XXXX
Counter-The approval does not provide the PITIA payment.  Please provided the final CD, 1st payment letter, and Note to verify the new mortgage PITIA for REO 3e from the final 1003. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. REO 3E hasn't closed yet.  Attached is the approval - Buyer-XX/XX/XXXX
Counter-Lender provided the XXXX and XXXX tax returns.  However, still need the Mortgage statement for REO 3e from B1 1003.  condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Tax returns all pages.  Signed pages are already in the file. - Seller-XX/XX/XXXX
Open-1) Lender guidelines require the most recent signed federal income tax return, all pages/schedules, to document rental income (full doc). Required documentation is missing from loan file (for REO 3b, REO 3d on Final 1003 for B1 & REO 3a, REO 3b for B2). Additional conditions may apply.
2) Please provide Mortgage statement for REO 3e on Final 1003 for B1. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. CD - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. Tax returns all pages. Signed pages are already in the file. - Seller-XX/XX/XXXX

Resolved-Lender provided the CD verifying the new payment for REO 3e - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Tax XXXXXXXX 24 and 25.pdf

Approval XXXXXXXX.pdf

Closing XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-370

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Paystubs Missing

Resolved-Lender provided B2 paystubs. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. paystubs - Seller-XX/XX/XXXX
Open-Borrower 2 Paystubs Missing Lender guidelines require the most recent YTD pay stub to document wage income for B2. Pay stubs are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. paystubs - Seller-XX/XX/XXXX

XXXXXXXX Paystubs.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-372

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Business Purpose Affidavit

Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Business Purpose - Buyer-XX/XX/XXXX
Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit in file is not executed. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Business purpose.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-372

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

1-4 Family Rider is Missing

Resolved-Lender provided signed DOT and Riders. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. DOT With RIDERS - Buyer-XX/XX/XXXX
Open-1-4 Family Rider in file is not executed. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided signed DOT and Riders. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Riders.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-376

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-Credit report dated XX/XX/XXXX provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Duplicate. Soft pull report does not show the score. Please clear. - Seller-XX/XX/XXXX
Open-ATR Risk - Credit History taken into consideration does not meet requirements B1 Credit Report is Missing from loan file. FICO scores are missing from gap credit report in file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Duplicate. Soft pull report does not show the score. Please clear. - Seller-XX/XX/XXXX

Resolved-Credit report dated XX/XX/XXXX provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-376

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Credit report dated XX/XX/XXXX provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Credit report attached, there shouldn't be any score on the softpull. - Buyer-XX/XX/XXXX
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements B1 Credit Report is Missing from loan file. FICO scores are missing from gap credit report in file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Credit report dated XX/XX/XXXX provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Credit XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-376

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Credit report dated XX/XX/XXXX provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Softpull does not require to show the score. Please waive. thank you. - Buyer-XX/XX/XXXX

Open-Borrower 1 Credit Report is Missing. B1 Credit Report is Missing from loan file. FICO scores are missing from gap credit report in file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Credit report dated XX/XX/XXXX provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-376

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Fraud report received. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XXXXXXXX and cleared alerts uploaded to another condition field. - Buyer-XX/XX/XXXX

Open-All Interested Parties Not Checked with Exclusionary Lists Third Party Fraud Report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Fraud report received. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-376

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-Fraud report received w/OFAC. Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XXXXXXXX and cleared alerts uploaded to another condition field. - Buyer-XX/XX/XXXX
Open-OFAC Check Not Completed and/or Cleared Third Party Fraud Report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Fraud report received w/OFAC. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-376

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Fraud report received. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXXX and cleared alerts - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report Third Party Fraud Report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXXX and cleared alerts - Seller-XX/XX/XXXX

Resolved-Fraud report received. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-378

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Received - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX flood XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-378

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-378

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

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

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-378

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-378

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

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

Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-382

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Disbursement Date

Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX The Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX

Updated XXXXXXXX - XX/XX/XXXX XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-382

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided Final CD with Note for XXXXXXXX d REO matches Lenders qualifying negative income being used for the review. condition resolved.
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-Please provide supporting documentation for mortgage associated with REO 3d on Final 1003. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided Final CD with Note for XXXXXXXX d REO matches Lenders qualifying negative income being used for the review. condition resolved.
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX 3d XXXXXXXX CD and Note.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-382

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Income - Bank Statements

Resolved-lender provided 12 months of bank statements XX/XX/XXXX-XX/XX/XXXX verified qualified income being used for review. condition resolved.
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-Bank Statement loan: business bank statements missing from loan file. Please provide most recent 12 months/24 months of business bank statements. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-lender provided 12 months of bank statements XX/XX/XXXX-XX/XX/XXXX verified qualified income being used for review. condition resolved.
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-385

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-see other conditon - Seller-XX/XX/XXXX
Open-OFAC Check Not Completed and/or Cleared OFAC missing in the loan file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-see other conditon - Seller-XX/XX/XXXX

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-385

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. fraud report - Seller-XX/XX/XXXX
Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. fraud report - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX fraud XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Trust/POA Does Not Meet Guideline Requirements

Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Trust/POA Does Not Meet Guideline Requirements Fully executed POA missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX of XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Final CD received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Final Closing Disclosure is missing or incomplete Compliance will be re-reviewed upon receipt of the Final CD. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Final CD received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX CD.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (XXXXXXXX)

Resolved-Final CD received. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. uploaded final CD and COC reasons - Seller-XX/XX/XXXX
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (XXXXXXXX 1026.19(e)(3); XXXXXXXX 1026.19(e)(4)). Compliance will be re-reviewed upon receipt of the Final CD. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. uploaded final CD and COC reasons - Seller-XX/XX/XXXX

Resolved-Final CD received. - Due Diligence Vendor-XX/XX/XXXX

CD coc.pdf

XXXXXXXX CD.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (XXXXXXXX)

Resolved-Final CD received. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. final CD and coc - Seller-XX/XX/XXXX
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXXXXXX 1026.19(e)(3); XXXXXXXX 1026.19(e)(4); XXXXXXXX 1026.19(f)(2)(v)). Compliance will be re-reviewed upon receipt of the Final CD. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. final CD and coc - Seller-XX/XX/XXXX

Resolved-Final CD received. - Due Diligence Vendor-XX/XX/XXXX

CD coc.pdf

XXXXXXXX CD.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:APR

Federal - Closed End APR Disclosure Tolerance (Regular)

Resolved-Final CD received. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. final cd - Seller-XX/XX/XXXX
Open-The disclosed APR (0.0) is lower than the actual APR (6.922) 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. (XXXXXXXX 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
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. final cd - Seller-XX/XX/XXXX

Resolved-Final CD received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX CD.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Final CD received. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-final cd - Seller-XX/XX/XXXX
Open-The disclosed finance charge ($0.00) 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. (XXXXXXXX 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
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-final cd - Seller-XX/XX/XXXX

Resolved-Final CD received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX CD.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Disclosure Tolerance

Resolved-Final CD received. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. final CD - Seller-XX/XX/XXXX
Open-The disclosed Total of Payments ($0.00) 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. (XXXXXXXX 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
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. final CD - Seller-XX/XX/XXXX

Resolved-Final CD received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX CD.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-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

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX CD.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing Third Party Fraud Report Third Party Fraud Report is Missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX fraud.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXXXXX ssr less then 2.5 - using XXXXXXXX ssr for valuation - Seller-XX/XX/XXXX
Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary valuation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXXX ssr less then 2.5 - using XXXXXXXX ssr for valuation - Seller-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Borrower 1 Executed 4506-T Missing B1 4506-T is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX t.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Executed 4506-T Missing

Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Borrower 2 Executed 4506-T Missing B2 4506-T is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX t.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Insurance

Hazard insurance dwelling coverage is not sufficient

Resolved-Lender provided appraisal to show the replacement cost has sufficient coverage for subject property. condition resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. appraisal page 3 has replacement cost new of $X,XXX.XX (minus site value of $X,XXX.XX) = XXXXXXXX - insurance is for $X,XXX.XX + the other structures that cover the car port etc of $X,XXX.XX - Seller-XX/XX/XXXX
Open-Please provide Replacement Cost Estimator (RCE) for subject property. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. appraisal page 3 has replacement cost new of $X,XXX.XX (minus site value of $X,XXX.XX) = XXXXXXXX - insurance is for $X,XXX.XX + the other structures that cover the car port etc of $X,XXX.XX - Seller-XX/XX/XXXX

Resolved-Lender provided appraisal to show the replacement cost has sufficient coverage for subject property. condition resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-386

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-387

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is greater than Guideline Maximum Loan Amount

Waived-Audited Loan Amount of $X,XXX.XX is greater than the Guideline Maximum Loan Amount of $X,XXX.XX The subject transaction closed with a LTV/CLTV of 85% and used business bank statements to calculate/document the income. The maximum loan amount using these criteria is $X,XXX.XX. A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX
Waived-Exception granted for loan amount.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Audited Loan Amount of $X,XXX.XX is greater than the Guideline Maximum Loan Amount of $X,XXX.XX The subject transaction closed with a LTV/CLTV of 85% and used business bank statements to calculate/document the income.  The maximum loan amount using these criteria is $X,XXX.XX.   - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX exception approval 1.pdf

$X,XXX.XX / 85% LTV as an exception against our Bank Statement Primary Purchase matrix (which caps this program at $X,XXX.XX at 85% LTV, FICO 740, or up to $X,XXX.XX at 80% LTV

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-387

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Waived-Waiver received to forego CPA letter requirement. A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B." - Due Diligence Vendor-XX/XX/XXXX

Waived-Waiver received to forego CPA letter requirement. - Due Diligence Vendor-XX/XX/XXXX

Open-Document Uploaded. PFA. - Buyer-XX/XX/XXXX

Open-Please provide CPA, EA, or Licensed Tax Preparer letter stating the withdrawal of funds from business account for closing will not have negatively impact on the business. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Exception_XXXXXXXX_2.pdf

DTI < 5% below the Maximum Qualifying
No derogatory events
Reserves over two months of PITI

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-387

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Waived-Waiver received to forego complete bank statement requirement. A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B - Due Diligence Vendor-XX/XX/XXXX
Waived-Waiver received to forego complete bank statement requirement. - Due Diligence Vendor-XX/XX/XXXX
Open-Document Uploaded. PFA. Exception - Seller-XX/XX/XXXX
Open-Please provide complete bank statement for business account with XXXXXXXX #XXXXXXXX for the period XX/XX/XXXX to XX/XX/XXXX. Note:- Missing intermediate statement between XX/XX/XXXX to XX/XX/XXXX. As funds from this account is used for closing. Statement dated XX/XX/XXXX reflect balance of $X,XXX.XX; however, online statement as of XX/XX/XXXX reflect balance of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Exception_XXXXXXXX.pdf

DTI < 5% below the Maximum Qualifying
No derogatory events
Reserves over two months of PITI

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-387

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX
Resolved-Received documentation of gift wire transfer in the amount of $X,XXX.XX to title company. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Gift funds and letter uploaded to other condition - Seller-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The subject loan utilized gift funds of $X,XXX.XX. The loan file contains a Gift Letter stating the funds will be transferred from the donor to the title agent at closing. The loan file does not contain documentation showing the transfer of the funds (either to the title agent or the borrowers). The gift funds were not documented to Lender Guideline requirements. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Gift funds and letter uploaded to other condition - Seller-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-387

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Gift Documentation Incomplete

Resolved-Received documentation of gift wire transfer in the amount of $X,XXX.XX to title company. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Gift funds and letter attached. - Seller-XX/XX/XXXX
Open-Gift Documentation Incomplete. The subject loan utilized gift funds of $X,XXX.XX. The loan file contains a Gift Letter stating the funds will be transferred from the donor to the title agent at closing. The loan file does not contain documentation showing the transfer of the funds (either to the title agent or the borrowers). The gift funds were not documented to Lender Guideline requirements. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Gift funds and letter attached. - Seller-XX/XX/XXXX

Resolved-Received documentation of gift wire transfer in the amount of $X,XXX.XX to title company. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Gift Funds - XXXXXXXX.pdf

Gift XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-387

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. Servicing Transfer Notice Missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-388

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Business Narrative received. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Missing B1 Business Narrative Form. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Business Narrative received. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX biz XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-388

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Audited LTV of 90% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see updated 1003 - brwr has owned other REO - REO docs in file adn re attatched here - deed of trust, VOM, and release of lien showing no current mTG debt- non first time home buyer allowed up to 90% LTV - Seller-XX/XX/XXXX

Open-Audited LTV of 90% exceeds Guideline LTV of 80% As per lender guidelines, max LTV is 80%, however audited is LTV 90%. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see updated 1003 - brwr has owned other REO - REO docs in file adn re attatched here - deed of trust, VOM, and release of lien showing no current mTG debt- non first time home buyer allowed up to 90% LTV - Seller-XX/XX/XXXX

Resolved-Audited LTV of 90% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX updated XXXXXXXX.pdf

XXXXXXXX updated XXXXXXXX.pdf

XXXXXXXX of XXXXXXXX.pdf

XXXXXXXX REO.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-388

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Resolved-Audited CLTV of 90% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-XX/XX/XXXX

Open-Audited CLTV of 90% exceeds Guideline CLTV of 80% As per lender guidelines, max CLTV is 80%, however audited is CLTV 90%. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited CLTV of 90% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-388

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited HCLTV Exceeds Guideline HCLTV

Resolved-Audited HLTV of 90% is less than or equal to Guideline HCLTV of 90% - Due Diligence Vendor-XX/XX/XXXX
Open-Audited HLTV of 90% exceeds Guideline HCLTV of 80% As per lender guidelines, max HCLTV is 80%, however audited is HCLTV 90%. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited HLTV of 90% is less than or equal to Guideline HCLTV of 90% - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-388

XXXXXXXX

XX/XX/XXXX

Acknowledged

1 - Information

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

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-389

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Closing

Evidence of Good Standing age exceeds guidelines

Resolved-Received Evidence of Good standing dated XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. see date on bottom right  - Seller-XX/XX/XXXX
Counter-Please provide evidence of when the document was obtained/printed which can be used to verify the business within 60 days of the note date.  Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-thats the last day they did any updates - enitty is active - Seller-XX/XX/XXXX
Counter-Document for Evidence of good standing is not dated within 60 days of the note.  This document is dated XX/XX/XXXX and is 151 days from the note date.  Please provide updated evidence of good standing dated within 60 days of the note.  condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. cert  - Seller-XX/XX/XXXX
Open-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of  days exceeds guidelines. Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of 151 days exceeds guideline maximum of 60 days from date of the Note. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see date on bottom right - Seller-XX/XX/XXXX

Ready for Review-thats the last day they did any updates - enitty is active - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. cert - Seller-XX/XX/XXXX

Resolved-Received Evidence of Good standing dated XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXX cert of standing.pdf
XX XXXXXXXX stamped.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-389

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Business Purpose Affidavit

Resolved-Lender provided the business purpose affidavit. condition cleared - Due Diligence Vendor-XX/XX/XXXX
Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. biz cert - Seller-XX/XX/XXXX
Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. biz cert - Seller-XX/XX/XXXX

Resolved-Lender provided the business purpose affidavit. condition cleared - Due Diligence Vendor-XX/XX/XXXX

Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX cert.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-389

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Final HUD/Settlement Statement Not Provided

Resolved-Lender provided final HUD-1. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. HUD 1 - Seller-XX/XX/XXXX
Open-The final HUD/Settlement Statement is missing. HUD-1 in file contains settlement date that does not match the Note. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. HUD 1 - Seller-XX/XX/XXXX

Resolved-Lender provided final HUD-1. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

unit XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-389

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - Prepayment Rider

Resolved-Lender provided the prepayment rider. Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. ridres - Seller-XX/XX/XXXX
Open-Missing Mortgage Rider - Prepayment rider Missing Mortgage Riders - Prepayment Rider - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. ridres - Seller-XX/XX/XXXX

Resolved-Lender provided the prepayment rider. Condition cleared - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX riders.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-389

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX
Resolved-Lender provided the Fraud report. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-fraud - Seller-XX/XX/XXXX
Open-Missing Third Party Fraud Report Third Party Fraud Report and OFAC is not Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-fraud - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided the Fraud report. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX fraud.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-389

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-see fraud uploaded - Seller-XX/XX/XXXX

Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-see fraud uploaded - Seller-XX/XX/XXXX

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-389

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Lender provided the rate lock agreement. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. lock confirm - Seller-XX/XX/XXXX

Open-Missing evidence of rate lock - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. lock confirm - Seller-XX/XX/XXXX

Resolved-Lender provided the rate lock agreement. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

unit XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-390

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Closing

Evidence of Good Standing age exceeds guidelines

Resolved-Evidence of Good Standing received dated XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Evidence of Good Standing received dated XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. see bottom right - Seller-XX/XX/XXXX
Open-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of 151 days exceeds guideline maximum of 60 days from date of the Note. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see bottom right - Seller-XX/XX/XXXX

Resolved-Evidence of Good Standing received dated XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XX XXXXXXXX stamped.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-390

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Missing Third Party Fraud Report Third Party Fraud Report & OFAC is not provided.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX fraud.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-390

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-see fraud report - Seller-XX/XX/XXXX
Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-see fraud report - Seller-XX/XX/XXXX

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-390

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Business Purpose Affidavit

Resolved-Business Purpose Affidavit received. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. biz cert - Seller-XX/XX/XXXX
Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. biz cert - Seller-XX/XX/XXXX

Resolved-Business Purpose Affidavit received. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX biz cert.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-391

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Business Purpose Affidavit

Resolved-Business purpose Affidavit received. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. biz cert - Seller-XX/XX/XXXX
Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. biz cert - Seller-XX/XX/XXXX

Resolved-Business purpose Affidavit received. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX biz purpose cert.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-391

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Received evidence of rate lock. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. lock - Seller-XX/XX/XXXX
Open-Missing evidence of rate lock - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. lock - Seller-XX/XX/XXXX

Resolved-Received evidence of rate lock. Resolved. - Due Diligence Vendor-XX/XX/XXXX

unit XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-391

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - Prepayment Rider

Resolved-PPP rider received. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. ridres - Seller-XX/XX/XXXX

Open-Missing Mortgage Rider - Prepayment rider Missing Mortgage Riders - Prepayment Rider - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. ridres - Seller-XX/XX/XXXX

Resolved-PPP rider received. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Riders.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-391

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. fraud report - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. fraud report - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX fraud XXXXXXXX 1.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-391

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-see fraud report - Seller-XX/XX/XXXX

Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-see fraud report - Seller-XX/XX/XXXX

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-391

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Closing

Evidence of Good Standing age exceeds guidelines

Resolved-Received Evidence of Good standing dated XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see bottom right - Seller-XX/XX/XXXX

Open-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of 151 days exceeds guideline maximum of 60 days from the date of the Note. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see bottom right - Seller-XX/XX/XXXX

Resolved-Received Evidence of Good standing dated XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XX XXXXXXXX stamped.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-392

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Missing Final HUD-1: HUD in file Not Signed or Stamped Certified

Resolved-Final stamped HUD received. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. final hud 1 - Seller-XX/XX/XXXX
Open-Missing Final HUD-1: Compliance testing utilized Unexecuted & Uncertified HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. HUD-1 in file does not contain a disbursement date. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. final hud 1 - Seller-XX/XX/XXXX

Resolved-Final stamped HUD received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXX XXXXXXXXXXXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-392

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Business Purpose Affidavit

Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided the business purpose affidavit. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. biz cert - Seller-XX/XX/XXXX

Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. biz cert - Seller-XX/XX/XXXX

Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided the business purpose affidavit. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX cert.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-392

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Closing

Evidence of Good Standing age exceeds guidelines

Resolved-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of  days exceeds guidelines. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see date stamp bottom right - Seller-XX/XX/XXXX

Counter-Please provide documentation of when the document was obtained/printed.  Condition remains - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-thats the last day it was updated - active on site - Seller-XX/XX/XXXX

Counter-Cert of Good Standing is dated XX/XX/XXXX which is more than 60 days prior to the note.  Please provide an updated Certificate of Good Standing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cert - Seller-XX/XX/XXXX

Open-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of  days exceeds guidelines. Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of 151 days exceeds guideline maximum of 60 days from date of the Note. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see date stamp bottom right - Seller-XX/XX/XXXX

Ready for Review-thats the last day it was updated - active on site - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. cert - Seller-XX/XX/XXXX

Resolved-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days exceeds guidelines. - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXX cert of standing.pdf
XXXX XXXXXXXX stamped.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-392

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. fraud - Seller-XX/XX/XXXX
Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. fraud - Seller-XX/XX/XXXX

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-392

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-see ofac condition - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-see ofac condition - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-396

XXXXXXXX

XX/XX/XXXX

Acknowledged

1 - Information

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

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-397

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Borrower

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Mortgage (VOM) Document is incomplete, the mortgage has been opened on )XX/XX/XXXX., but the months reviewed has only 3 months. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XX/XX/XXXX

VOR.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-398

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Incomplete Final Application

Resolved-Application received. BP purpose loan. - Due Diligence Vendor-XX/XX/XXXX
Counter-Pages 5, 7 & 8 are not completed. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached final 1003 that was included on pages 217 - 224 of the loan file. Thank you. - Seller-XX/XX/XXXX
Open-The Final 1003 is Incomplete Please provide complete Final 1003. Final 1003 in file is incomplete. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached final 1003 that was included on pages 217 - 224 of the loan file. Thank you. - Seller-XX/XX/XXXX

Resolved-Application received. BP purpose loan. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-398

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Property

Waived-Lender exception in file for acreage being over 20 acres. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

1) Strong FICO.
2) Low DTI.
3) Appraisal came in higher than purchase price.

XXXXXXXX

Investment

Purchase

XXXXXXXX

Yes

HILD2026NQM1-398

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

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

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-398

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-399

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is greater than Guideline Maximum Loan Amount

Waived-Audited Loan Amount of $X,XXX.XX is greater than the Guideline Maximum Loan Amount of $X,XXX.XX Audited Loan Amount of $X,XXX.XX is greater than the Guideline Maximum Loan Amount of $X,XXX.XX. A lender exception is present in the loan file, dated prior
to consummation, providing adequate comp factors. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please find attached exception approval for loan amount of $X,XXX.XX. - Buyer-XX/XX/XXXX
Open-Audited Loan Amount of $X,XXX.XX is greater than the Guideline Maximum Loan Amount of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX

Exception XXXXXXXX.pdf

Exception XXXXXXXX.pdf

Reserves over two months of PITI - $X,XXX.XX in reserves. 36+ Months 0x30 housing payment history.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

Yes

HILD2026NQM1-399

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline FICO

Waived-Audited FICO of 670 is less than Guideline FICO of 700 Exception for 670 FICO. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

Reserves over two months of PITI - $X,XXX.XX in reserves. 36+ Months 0x30 housing payment history.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

Yes

HILD2026NQM1-399

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited HCLTV Exceeds Guideline HCLTV

Waived-Audited HLTV of 85% exceeds Guideline HCLTV of 80% Exception to go to 85% HLTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

Reserves over two months of PITI - $X,XXX.XX in reserves. 36+ Months 0x30 housing payment history.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

Yes

HILD2026NQM1-399

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Audited CLTV of 85% exceeds Guideline CLTV of 80% Exception to go to 85% CLTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

Reserves over two months of PITI - $X,XXX.XX in reserves. 36+ Months 0x30 housing payment history.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

Yes

HILD2026NQM1-399

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Audited LTV of 85% exceeds Guideline LTV of 80% Exception to go to 85% LTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

Reserves over two months of PITI - $X,XXX.XX in reserves. 36+ Months 0x30 housing payment history.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

Yes

HILD2026NQM1-399

XXXXXXXX

XX/XX/XXXX

Counter

3 - Material

Compliance

Disclosure

TILA: ARM Program Document is Missing or Incomplete

Counter-Disclosure is required on 1st lien transactions on primary residences. CHARM booklet does not satisfy the requirement. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Please share the sample document and the guideline requirement, as our document provider confirmed there is no such requirement, and we are required to provide them the exact guideline and sample disclosure - Seller-XX/XX/XXXX
Counter-Lender provided the Charm booklet, which is present in the loan file, however still not received Arm Disclosure, which this form provides information about ARM loan programs offered by the lender but not about specific loan terms based on the consumer's creditworthiness. This disclosure should be provided within 3 business day of the application date. condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached CHARM booklet. This was disclosed within 3 days of app - Buyer-XX/XX/XXXX
Counter-The Early ARM disclosure is a required document for loans that are Adjustable Rate. This form provides information about ARM loan programs offered by the lender but not about specific loan terms based on the consumer's creditworthiness. This disclosure should be provided within 3 business day of the application date. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Provide the corresponding guideline requirement for such document - Buyer-XX/XX/XXXX
Counter-The Note is IO Arm and there is Arm Rider, early Arm disclosure is required. condition remains the same - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Please provide reference to which disclosure is missing, also provide the corresponding guideline requirement for such document - Seller-XX/XX/XXXX
Open-ARM Disclosure is Missing or Incomplete ARM Disclosure Missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Please share the sample document and the guideline requirement, as our document provider confirmed there is no such requirement, and we are required to provide them the exact guideline and sample disclosure - Seller-XX/XX/XXXX
Ready for Review-Please provide reference to which disclosure is missing, also provide the corresponding guideline requirement for such document - Seller-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-400

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please find attached Desk Review Report supporting Appraisal value. - Buyer-XX/XX/XXXX
Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM in file with a variance > -10% - Due Diligence Vendor-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-401

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-Housing History Does Not Meet Guideline Requirements Borrower does not own current residence (required for 1st time investor) . Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.
- Due Diligence Vendor-XX/XX/XXXX

CLTV <5% below the maximum qualifying
Credit Score >/= 10+ points more than qualifying (792)

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

Yes

HILD2026NQM1-401

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Foreclosure History does not meet guidelines

Waived-Foreclosure less than 1 year. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.
- Due Diligence Vendor-XX/XX/XXXX

CLTV <5% below the maximum qualifying
Credit score >/= 10+ points more than qualifying (792) - XX/XX/XXXX

CLTV <5% below the maximum qualifying
Credit score >/= 10+ points more than qualifying (792)

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

Yes

HILD2026NQM1-401

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Borrower

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete

Waived-Lender provided Exception Form waiving requirement to verify 12-month housing history as landlord is an individual instead of an entity. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B - Due Diligence Vendor-XX/XX/XXXX
Waived-Lender provided Exception Form waiving requirement to verify 12-month housing history as landlord is an individual instead of an entity. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Lender provided Exception Form waiving requirement to verify 12-month housing history as landlord is an individual instead of an entity. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please find attached Exception Form waiving requirement to verify 12 month housing history as landlord is an individual instead of an entity. - Seller-XX/XX/XXXX
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Per lender guidelines, a Verification of Rent (VOR) completed by a private or non-institutional landlord requires 12 months of supporting alternative documentation (e.g., a lease agreement alongside consecutive canceled checks or bank statements). Although a VOR was submitted, the 12-month transaction history and a copy of the lease are currently missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find attached Exception Form waiving requirement to verify 12 month housing history as landlord is an individual instead of an entity. - Seller-XX/XX/XXXX

Waived-Lender provided Exception Form waiving requirement to verify 12-month housing history as XXXXXX is an individual instead of an entity. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B - Due Diligence Vendor-XX/XX/XXXX
Waived-Lender provided Exception Form waiving requirement to verify 12-month housing history as landlord is an individual instead of an entity. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B - Due Diligence Vendor-XX/XX/XXXX

Exception XXXXXXXX.pdf

CLTV <5% below the maximum qualifying
Credit score >/= 10+ points more than qualifying (792)

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

Yes

HILD2026NQM1-401

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Borrowing Entity of Evidence of Good Standing

Resolved-Evidence of Good Standing provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find attached  Certificate of Good Standing. - Seller-XX/XX/XXXX

Open-Missing Evidence of Good Standing.  Certificate of Good Standing from the applicable Secretary of State’s office, dated
within 60 days of the note date. If LLC formed in a state other than that were subject
property located, a Certificate of Good Standing is needed from both the state of
incorporation and the state where the subject property is located  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find attached Certificate of Good Standing. - Seller-XX/XX/XXXX

Resolved-Evidence of Good Standing provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-401

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Operating Agreement

Resolved-Received Certificate of Formation and By-Laws, finding resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please find attached business documentation confirming 100% ownership. - Seller-XX/XX/XXXX
Open-The loan file is missing an operating agreement or other documentation to verify ownership. Subject closed in an LLC, the loan file is missing an operating agreement to verify ownership, Articles of Organization, and Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find attached business documentation confirming 100% ownership. - Seller-XX/XX/XXXX

Resolved-Received Certificate of Formation and By-Laws, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Business XXXXXXXX and XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-401

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Debt Service Coverage Ratio below guideline minimum

Waived-Debt Service Coverage Ratio of .995% is below guideline minimum of 1.0%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.
- Due Diligence Vendor-XX/XX/XXXX

CLTV < 5 % below the maximum qualifying
Credit Score >/= 10+ points more than qualifying (792)

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

Yes

HILD2026NQM1-402

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Transaction Ineligible

Waived- Exception for Heloan 1st Lien transaction. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

36+ Months 0x30 housing payment history. Mortgage history = 0x30 for 67 months reviewed
No derogatory events. Credit report does not reflect any derogatory events. - XX/XX/XXXX

36+ Months 0x30 housing payment history. Mortgage history = 0x30 for 67 months reviewed
No derogatory events. Credit report does not reflect any derogatory events.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

Yes

HILD2026NQM1-402

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find attached VVOE's. - Seller-XX/XX/XXXX

Open-Borrower 2 3rd Party VOE Prior to Close Missing VVOE is missing Borrower-2 - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find attached VVOE's. - Seller-XX/XX/XXXX

VVOE.pdf

VVOE2.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-402

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

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-Document Uploaded. Please find attached VVOE's. - Buyer-XX/XX/XXXX
Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE is missing Borrower-1 - Due Diligence Vendor-XX/XX/XXXX

VVOE.pdf

VVOE2.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-402

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please find attached HOI policy. - Buyer-XX/XX/XXXX
Open-Missing Hazard Insurance Policy Hazard Insurance Policy is Missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy provided. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

HOI XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-402

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Income/Employment

Borrower 1 Business Tax Returns Less Than 24 Months Provided

Waived-Exception to allow XXXX business and personal tax returns only and to exclude XXXX returns. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

36+ Months 0x30 housing payment history. Mortgage history = 0x30 for 67 months reviewed
No derogatory events. Credit report does not reflect any derogatory events.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

Yes

HILD2026NQM1-402

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is greater than Guideline Maximum Loan Amount

Waived-Audited Loan Amount of $X,XXX.XX is greater than the Guideline Maximum Loan Amount of $X,XXX.XX Exception for $X,XXX.XX loan amount, 90% CLTV, DTI of 47%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

36+ Months 0x30 housing payment history. Mortgage history = 0x30 for 67 months reviewed
No derogatory events. Credit report does not reflect any derogatory events.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

Yes

HILD2026NQM1-402

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Audited DTI of 46.69% exceeds Guideline DTI of 43% Exception for $X,XXX.XX loan amount, 90% CLTV, DTI of 47%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

36+ Months 0x30 housing payment history. Mortgage history = 0x30 for 67 months reviewed
No derogatory events. Credit report does not reflect any derogatory events.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

Yes

HILD2026NQM1-402

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Audited CLTV of 90% exceeds Guideline CLTV of 80% Exception for $X,XXX.XX loan amount, 90% CLTV, DTI of 47%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

36+ Months 0x30 housing payment history. Mortgage history = 0x30 for 67 months reviewed
No derogatory events. Credit report does not reflect any derogatory events.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

Yes

HILD2026NQM1-403

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Valuation Product Does Not Meet Guidelines

Waived-Waiver received to use valuation product provided. - Due Diligence Vendor-XX/XX/XXXX
Acknowledged-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please find attached exception form to XXXXXXXX in lieu of appraisal - Buyer-XX/XX/XXXX
Open-The subject is a 1st lien transaction. The Non-QM Guidelines require One appraisal for refinances with loan amounts up to $X,XXX.XX. The loan file contains only AVM valuations which is only allowed in the Junior Lien Guidelines. - Due Diligence Vendor-XX/XX/XXXX

Compensating factor length of employment 22 years 7 months - XX/XX/XXXX

Exception XXXXXXXX.pdf

Compensating factor length of employment 22 years 7 months
CLTV 5% below max qualifying

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-404

XXXXXXXX

XX/XX/XXXX

Acknowledged

3 - Material

Property

Value

Secondary Valuation Product Only Supports Value Used to Calculate LTV

Acknowledged-Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. This finding will be rated A for KBRA, DBRS and Moody's, B for Fitch, and C for S&P. Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. This finding will be rated A for KBRA, DBRS and Moody's, B for Fitch, and C for S&P.
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-404

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Property

S&P value equals C, 1st lien and secondary product not within tolerance

Resolved-AVM used as primary value, appraisal value within tolerance. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Lower value product is utilized as a primary value for origination from 1st and 2nd valuation. - Buyer-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-AVM used as primary value, appraisal value within tolerance. Resolved. - Due Diligence Vendor-XX/XX/XXXX

AVM.pdf

XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-405

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-E-Consent documentation is missing for borrower(s). E Consent documentation missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX econsent.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-406

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

XXXXXXXX econsent.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-407

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Audited LTV of 90% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-XX/XX/XXXX

Resolved-Expanded bank statement guidelines show max LTV/CLTV/HCLTV of 90% for bank statement loans for Primary Residence purchase. Condition status changed to Resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Audited LTV of 90% exceeds Guideline LTV of 80% The Audited LTV of 90% exceeds Guideline LTV of 80%. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX Statement (1).pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-407

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Resolved-Audited CLTV of 90% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-XX/XX/XXXX

Resolved-Expanded bank statement guidelines show max LTV/CLTV/HCLTV of 90% for bank statement loans for Primary Residence purchase. Condition status changed to Resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Audited CLTV of 90% exceeds Guideline CLTV of 80% The Audited CLTV of 90% exceeds Guideline CLTV of 80%. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX Statement (1).pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-407

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited HCLTV Exceeds Guideline HCLTV

Resolved-Audited HLTV of 90% is less than or equal to Guideline HCLTV of 90% - Due Diligence Vendor-XX/XX/XXXX

Resolved-Expanded bank statement guidelines show max LTV/CLTV/HCLTV of 90% for bank statement loans for Primary Residence purchase. Condition status changed to Resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Audited HLTV of 90% exceeds Guideline HCLTV of 80% The Audited HCLTV of 90% exceeds Guideline HCLTV of 80%. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX Statement (1).pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-407

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Received evidence of XXX Dues for REO 3a on Final 1003. Condition status changed to 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-Document Uploaded. - Seller-XX/XX/XXXX
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide evidence of XXX dues for REO 3a on Final 1003. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

No XXX XXXXXXXX.pdf

XXX FOR XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-407

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of XXX Dues for REO1

Resolved-Received evidence of XXX Dues for REO 3a on Final 1003. Condition status changed to Resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Missing Evidence of XXX Dues for REO1 Please provide evidence of XXX dues for REO 3a on Final 1003. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received evidence of XXX Dues for REO 3a on Final 1003. Condition status changed to Resolved. - Due Diligence Vendor-XX/XX/XXXX

No XXX XXXXXXXX.pdf

XXX FOR XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-407

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Received updated Fraud Report with alert related to undisclosed Real Estate Property Ownership addressed and cleared. Property is commercial and borrower uses it to receive mail. Borrower does not own this property. Condition status changed to Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Fraud Report Shows Uncleared Alerts Fraud Report indicated an undisclosed Real Estate Property Ownership record have identified a possible undisclosed ownership in real estate. This was not addressed by the lender. Loan Approval #11 required a letter of explanation from the borrower for this undisclosed property which was not located in the loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX fraud (2).pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-409

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Property Type

Waived-Lender's guidelines indicate property may not be rural or agricultural; however, the appraisal indicates the property is located in a rural area. Lender provided an approved exception dated prior to consummation, and all compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B - Due Diligence Vendor-XX/XX/XXXX

Reserves over two months of PITI
Credit Score ≥ 10+ Points more than qualifying

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

Yes

HILD2026NQM1-410

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Asset 3 Does Not Meet Guideline Requirements

Resolved-Lender provided evidence of proceeds of sale of $X,XXX.XX with bank statement deposit. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset Record 3 Does Not Meet G/L Requirements Lender provided evidence of proceeds of sale of $X,XXX.XX with bank statement deposit. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Asset Record 3 Does Not Meet G/L Requirements Missing evidence of funds received from proceeds from secured loan. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX heloc stmt XXXXXXXX $X,XXX.XX XXXXXXXX to XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-410

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Lender provided HOPI policy, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided HOPI policy, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX hoi.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-411

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided missing bank statement. condition cleared - 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-XX/XX/XXXX-XXXXXXXX statement uploaded into another condition field. - Buyer-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements XX/XX/XXXX-XXXXXXXX XXXX business bank statements are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-411

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Business Bank Statements Less Than 12 Months Provided

Resolved-Lender provided missing bank statement. condition cleared - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX-XXXXXXXX statement - Buyer-XX/XX/XXXX

Open-XX/XX/XXXX-XXXXXXXX XXXX business bank statements are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided missing bank statement. condition cleared - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XX/XX/XXXX-XX/XX/XXXX statement.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-411

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

Appraisal Delivery Does Not Conform To E-Sign Act

Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Duplicate. Econsent uploaded in another field. - Seller-XX/XX/XXXX

Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Duplicate. Econsent uploaded in another field. - Seller-XX/XX/XXXX

Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-411

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Econsent - Buyer-XX/XX/XXXX

Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Econsent.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-412

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Credit Report is Missing

Resolved-Resolved - Provided a copy of borrower's Credit Report. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Borrower 2 Credit Report is Missing. Borrower 2 Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Resolved - Provided a copy of borrower's Credit Report. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX credit XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-412

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Resolved - Provided a copy of borrower's Credit Report. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Resolved - Provided a copy of borrower's Credit Report. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX credit XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-412

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of rate lock received, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Missing evidence of rate lock - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Evidence of rate lock received, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX of XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-414

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

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-File was closed using 70% of the lower value of $X,XXX.XX from the CDA due to the variance. - Buyer-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid secondary valuation supporting the origination appraisal value has High Risk score. The variance is -11.5% - Due Diligence Vendor-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-414

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Resolved located in file. Term sheet in docs - "XXXXXXXX Conditional Pre-Approval Letter - Due Diligence Vendor-XX/XX/XXXX

Resolved-located in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Term sheet in docs - "XXXXXXXX Conditional Pre-Approval Letter" - Buyer-XX/XX/XXXX

Open-The loan file is missing an executed Term Sheet as required. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved located in file. Term sheet in docs - "XXXXXXXX Conditional Pre-Approval Letter - Due Diligence Vendor-XX/XX/XXXX

Resolved-located in file. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-414

XXXXXXXX

XX/XX/XXXX

Acknowledged

3 - Material

Property

Value

Secondary Valuation Product Only Supports Value Used to Calculate LTV

Acknowledged-Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. This finding will be rated A for KBRA, DBRS and Moody's, B for Fitch, and C for S&P. - Due Diligence Vendor-XX/XX/XXXX

Open-Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. This finding will be rated A for KBRA, DBRS and Moody's, B for Fitch, and C for S&P. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-414

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of 12.27 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-$X,XXX.XX PITI reserves - Seller-XX/XX/XXXX

Ready for Review-additional reserves attached - Seller-XX/XX/XXXX

Ready for Review- - Buyer-XX/XX/XXXX

Open-Audited Reserves of 5.86 month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-$X,XXX.XX PITI reserves - Seller-XX/XX/XXXX

Ready for Review-additional reserves attached - Seller-XX/XX/XXXX

Resolved-Audited Reserves of 12.27 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX - XX/XX/XXXX statement.pdf

XXXXXXXX - XX/XX/XXXX statement.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-414

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

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

Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-additional reserves of $X,XXX.XX attached - documented reserves now at $X,XXX.XX - Buyer-XX/XX/XXXX
Ready for Review- - Buyer-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 - 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

XXXXXXXX - XX/XX/XXXX statement.pdf

XXXXXXXX - XX/XX/XXXX statement.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-415

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Resolved Term sheet attached. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Term sheet attached - Buyer-XX/XX/XXXX

Open-The loan file is missing the executed Term Sheet as required. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved Term sheet attached. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Term Sheet - XXXXXXXX 2XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-415

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Original articles, and translated version, uploaded for review showing both members of XXXXXXXX y XXXXXXXX are owners and managers of XXXXXXXX - Buyer-XX/XX/XXXX
Counter-Documentation submitted does not verify ownership of the account in question. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XXXXXXXX business assets - Buyer-XX/XX/XXXX
Open-Asset Record 2 Does Not Meet G/L Requirements Missing verification of Borrower ownership of business asset as required by the lender GL. Additional conditions may result upon receipt of required documentation. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX & XXXXXXXX.XXXXXXXX
XXXXXXXX_UPDATED XXXXXXXX OF XXXXXXXX.pdf
XXXXXXXX XX-XX-XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-416

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-Received - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Credit app attached. As a private lender we do not use the form 1003, this form has all relevant information for our loans. - Buyer-XX/XX/XXXX
Open-A final application for the subject transaction was not provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Loan App - XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-416

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Received - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Term sheet attached, we currently do not have the ability to lock with XXXXXXXX, so using term sheet instead. - Buyer-XX/XX/XXXX

Open-Missing evidence of rate lock - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Term Sheet - XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-417

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Borrower

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Payoff and payment history for 12 months attached. Prior loan was a portfolio loan consisting of four properties, loan number on payoff matches that on the VOM. - Buyer-XX/XX/XXXX
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Mortgage (VOM) Document is incomplete, Missing history for Subject property. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_VOM - XXXXXXXX.pdf

XXXXXXXX_Payoff - XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-417

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-Resolved Received Attached is the credit app that we received and was executed - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Attached is the credit app that we received and was executed - Seller-XX/XX/XXXX
Open-A final application for the subject transaction was not provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Attached is the credit app that we received and was executed - Seller-XX/XX/XXXX

Resolved-Resolved Received Attached is the credit app that we received and was executed - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_XXXX_XXXXXXXX_Credit_App_SIGNED_XXXXXXXX_XXXXXXXXXXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-417

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Debt Service Coverage Ratio below guideline minimum

Resolved-Audited DSCR of 0.889 is greater than or equal to the Guideline DSCR of 0 0 - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Hi, I am looking at the pricing matrices and it allows for DSCR under 1 at the LTV. - Buyer-XX/XX/XXXX
Open-Audited DSCR of 0.889 is below guideline minimum of 1 Debt Service Coverage Ratio of 0.889% is below guideline minimum of 1.00%. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited DSCR of 0.889 is greater than or equal to the Guideline DSCR of 0 0 - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.XXXXXXXX

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-418

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Debt Service Coverage Ratio below guideline minimum

Resolved-Audited DSCR of 0.964 is greater than or equal to the Guideline DSCR of 0 resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Per the attached matrix, DSCR below 1 is allowed at this LTV. - Buyer-XX/XX/XXXX

Open-Audited DSCR of 0.964 is below guideline minimum of 1 Debt Service Coverage Ratio of 0.964% is below guideline minimum of 1.00%. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited DSCR of 0.964 is greater than or equal to the Guideline DSCR of 0 resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.XXXXXXXX

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-418

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Borrower

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Payoff and 12 month history attached. The prior loan was a blanket loan consisting of the 4 properties, loan numbers match across the documents. - Buyer-XX/XX/XXXX

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing subject property housing history - Due Diligence Vendor-XX/XX/XXXX

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Payoff - XXXXXXXX.pdf

XXXXXXXX_VOM - XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-418

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-Resolved Attached application - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Attached application - Seller-XX/XX/XXXX

Open-A final application for the subject transaction was not provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Attached application - Seller-XX/XX/XXXX

Resolved-Resolved Attached application - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_XXXX_XXXXXXXX_St_Credit_App_SIGNED_XXXXXXXX_XXXXXXXXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-419

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-Received - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Credit app attached. As a private lender we do not use the 1003 form, this has the relevant information for our loans. - Buyer-XX/XX/XXXX

Open-A final application for the subject transaction was not provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Credit App - XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-419

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Resolved No rate lock through XXXXXXXX for our loans yet, we are using the term sheets instead at this time, please see attached. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-No rate lock through XXXXXXXX for our loans yet, we are using the term sheets instead at this time, please see attached. - Buyer-XX/XX/XXXX
Open-Missing evidence of rate lock - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved No rate lock through XXXXXXXX for our loans yet, we are using the term sheets instead at this time, please see attached. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Term Sheet - XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-420

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided rental agreements for 3c with evidence of rental payments thru final Settlement statement with prorated rents and bank statement to satisfy the guidelines requirements. condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Lender guidelines require lease agreement(s) and two months cancelled checks to show proof of rental payments. Lease agreements and two months cancelled checks missing for REO 3c on Final 1003. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-420

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

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-Document Uploaded. - Seller-XX/XX/XXXX

Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require verification of business existence within 10 calendar days of closing. VVOE within 10 calendar days of closing is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX VOE 1.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-421

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Borrower has Provided XXXXXXXX personal banking account statement  - Due Diligence Vendor-XX/XX/XXXX

Resolved-Documentation received.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Borrower 3 final XXXXXXXX 3b REO tax and insurance document missing in file.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Borrower has Provided XXXXXXXX personal banking account statement - Due Diligence Vendor-XX/XX/XXXX

Resolved-Documentation received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Docs XXXXXXXX for XXXXXXXX Loan.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-421

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-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

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Docs XXXXXXXX for XXXXXXXX Loan.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-422

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided Articles of Incorporation verifying the ownership percentage of each owner.  Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Received business license and Online search. CPA letter or Operating Agreement or equivalent required for verification of ownership percentage. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Lender guidelines require ownership of business to be documented via CPA letter or Operating Agreement. Required documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Resolved-Lender provided Articles of Incorporation verifying the ownership percentage of each owner. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX sos.pdf

XXXXXXXX.pdf

XXXXXXXX llc XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX 2.pdf

XXXXXXXX 3.pdf

XXXXXXXX of XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-422

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-423

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Closing

Evidence of Good Standing age exceeds guidelines

Resolved-Received evidence of good standing dated XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Documents provided by the XXXXXXXX Secretary of State are not dated, finding remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of  days exceeds guidelines. Evidence of Good Standing in file is dated XX/XX/XXXX and is not dated within 30 days of the Note date as required by the lender guidelines. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Received evidence of good standing dated XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX 3.pdf

XXXXXXXX 2.pdf

XXXXXXXX 1.pdf

XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-424

XXXXXXXX

XX/XX/XXXX

Acknowledged

1 - Information

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

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-424

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-425

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require two years of 1099s. There is only one year of 1099s in file for B2. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-425

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-426

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Waiver provided to allow LTV of 80% A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX
Waived-Waiver provided to allow LTV of 80% - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Audited LTV of 80% exceeds Guideline LTV of 75% Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX_Exception__XXXXXXXX.pdf

Income not used to qualify
Credit score 10+ pts over qualifying
36+ mo 0x30 housing payment history
Minimal debts/revolving
No derogatory events
Reserves of over 2 mo PITI

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-426

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Waiver received to allow CLTV of 80% A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B
- Due Diligence Vendor-XX/XX/XXXX
Waived-Waiver received to allow CLTV of 80% - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% Audited CLTV of 80% exceeds Guideline CLTV of 75% - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX_Exception__XXXXXXXX.pdf

Income not used to qualify
Credit score 10+ pts over qualifying
36+ mo 0x30 housing payment history
Minimal debts/revolving
No derogatory events
Reserves of over 2 mo PITI

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-426

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited HCLTV Exceeds Guideline HCLTV

Waived-Wavier received to allow HCLTV of 80% A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% Audited HLTV of 80% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXX_Exception__XXXXXXXX.pdf

Income not used to qualify
Credit score 10+ pts over qualifying
36+ mo 0x30 housing payment history
Minimal debts/revolving
No derogatory events
Reserves of over 2 mo PITI

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-426

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage/Deed of Trust

Resolved-Lender provided DOT for subject property. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-The Deed of Trust is Missing The Deed of Trust in file does not match the borrowers - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Lender provided DOT for subject property. condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-429

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of 9.12 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-additional HELOC funds cover the shortage of the t 6 month PITI and used as compensating factor - Buyer-XX/XX/XXXX
Open-Audited Reserves of 5.34 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited Reserves of 9.12 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-429

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

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

Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Bank statement includes a HELOC account with $X,XXX.XX available. Can these funds be counted as well? - Buyer-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 - 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

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-430

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-While only one statement was provided, the dates on the statement show XX/XX/XXXX - XX/XX/XXXX, covering 61 total days. Please re-review. - Buyer-XX/XX/XXXX

Counter-The account for which documentation has been provided is not the account with the issue. It is the Savings acct ending in XXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Balance of ledger is $X,XXX.XX as off XX/XX/XXXX plus additional deposit $X,XXX.XX a total balance of $X,XXX.XX- your condition reads Open-Asset Record 2 Does Not Meet G/L Requirements Lender guidelines require 60 days asset verification. Despite this requirement, only 1 month statement provided that covered 30 days. - XXXXXXXX-XX/XX/XXXX.0- we have XX/XX/XXXX, XX/XX/XXXX, and transaction history that covers 90 day that also includes XX/XX/XXXX - Buyer-XX/XX/XXXX

Counter-Savings acct ending in XXXXXXXX is deficient. Please review. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-We have XX/XX/XXXX and oct and a balance ledger for XX/XX/XXXX showing available balance of $X,XXX.XX detailed XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX transaction and ending balances, please review - Buyer-XX/XX/XXXX

Counter-The savings account is deficient-Asset 2.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XX/XX/XXXX statement attached. XX/XX/XXXX and XX/XX/XXXX are in the file. - Buyer-XX/XX/XXXX

Open-Asset Record 2 Does Not Meet G/L Requirements Lender guidelines require 60 days asset verification. Despite this requirement, only 1 month statement provided that covered 30 days. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Statement - XX/XX/XXXXXX.pdf
XXXXXXXX.pdf
XXXXXXXX_XX/XX/XXXX_XX,_XXXXXXXX_a3XXXXXXXXXXXXXXXXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-430

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Term sheet received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Term sheet uploaded - Buyer-XX/XX/XXXX

Open-The loan file is missing evidence of a Rate Lock/term Sheet as required. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Term sheet received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Term Sheet - XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-431

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of 13.99 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Seller-XX/XX/XXXX

Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Seller-XX/XX/XXXX

Resolved-Audited Reserves of 13.99 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Statement - XXXXXXXX, XX/XX/XXXX.pdf

XXXXXXXX Statement - XXXXXXXX, XX/XX/XXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-431

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Term sheet received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Seller-XX/XX/XXXX

Open-The loan file is missing an executed Term Sheet as required. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Seller-XX/XX/XXXX

Resolved-Term sheet received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX-Approval_XXXXXXXX_-_DSCR_-_XXXXXXXX_XXXXXXXXXXXXXXXXXXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-431

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

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

Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XX/XX/XXXX bank statements attached, they did not upload properly. XX/XX/XXXX statements are in the file. - Buyer-XX/XX/XXXX
Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount 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

XXXXXXXX Statement - XXXXXXXX, XX/XX/XXXX.pdf

XXXXXXXX Statement - XXXXXXXX, XX/XX/XXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-431

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

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

Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Seller-XX/XX/XXXX

Open-Insufficient asset documentation in file - assets do not cover closing costs. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Seller-XX/XX/XXXX

Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Statement - XXXXXXXX, XX/XX/XXXX.pdf

XXXXXXXX Statement - XXXXXXXX, XX/XX/XXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-431

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Seller-XX/XX/XXXX

Open-Asset Record 1 Does Not Meet G/L Requirements Lender guidelines require the most recent 2 months bank statements. Despite this requirement, only 1 month was provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Seller-XX/XX/XXXX

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Statement - XXXXXXXX, XX/XX/XXXX.pdf

XXXXXXXX Statement - XXXXXXXX, XX/XX/XXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-431

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Buyer-XX/XX/XXXX

Open-Asset Record 2 Does Not Meet G/L Requirements Lender guidelines require the most recent 2 months bank statements. Despite this requirement, only 1 month was provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Statement - XXXXXXXX, XX/XX/XXXX.pdf

XXXXXXXX Statement - XXXXXXXX, XX/XX/XXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-432

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-HOI uploaded - Seller-XX/XX/XXXX

Open-Missing Hazard Insurance Policy - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-HOI uploaded - Seller-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_HOI - XXXXXXXX.pdf

Additional conditions may apply upon receipt of the missing documentation.

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-432

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-attached is the verification of mortgage- thank you - Seller-XX/XX/XXXX

Ready for Review- - Seller-XX/XX/XXXX

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. A mortgage verification for the subject property was not provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-attached is the verification of mortgage- thank you - Seller-XX/XX/XXXX

Ready for Review- - Seller-XX/XX/XXXX

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_XX X XXXXXXXX VOM.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-432

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Payoff Statement for prior loan

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Payoff attached - Buyer-XX/XX/XXXX

Open-Missing Payoff Statement for prior loan. A payoff statement for the subject property was not provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Payoff - XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-432

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Term sheet received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Term sheet updated - Buyer-XX/XX/XXXX

Open-The loan file is missing the Term Sheet to verify rate lock information. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Term sheet received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Term Sheet - XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-433

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Term sheet received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XXXXXXXX currently does not receive rate locks. Term sheet attached. - Buyer-XX/XX/XXXX

Open-The loan file is missing evidence of Rate Lock/Term Sheet as required. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Term sheet received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Term Sheet - XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-434

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Borrower

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Borrower previous address XXXXXXXX was owned free and clear since XXXX no mortgage record , sold property in XX/XX/XXXX and bought another property current residence for which they obtained financing - Credit history shows on current residence no delinquency for sic month period , we have attached a recent credit soft pull showing a 5 month mortgage history no delinquency- Please approve - Seller-XX/XX/XXXX

Ready for Review-Attached is a XXXXXXXX report for the property matching the former address at XXXXXXXX, XXXXXXXX, XXXXXXXX. Last transaction is shown with no release of a mortgage, property owned free and clear. - Seller-XX/XX/XXXX

Counter-Investor guidelines require satisfactory 12 month housing history, 1x30x12. VOR on credit report supports 3 month housing history and is missing XX/XX/XXXX payment. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XXXXXXXX report uploaded showing borrower purchasing property. Date of purchase aligns with date of mortgage on credit report, as well as mortgage amount. - Buyer-XX/XX/XXXX

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Mortgage (VOM) Document is missing for primary property. Although the credit report did reflect a mortgage account, no documentation provided to match that account to the primary residence. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Borrower previous address XXXXXXXX was owned free and clear since XXXX no mortgage record , sold property in XX/XX/XXXX and bought another property current residence for which they obtained financing - Credit history shows on current residence no delinquency for sic month period , we have attached a recent credit soft pull showing a 5 month mortgage history no delinquency- Please approve - Seller-XX/XX/XXXX
Ready for Review-Attached is a XXXXXXXX report for the property matching the former address at XXXXXXXX, XXXXXXXX, XXXXXXXX. Last transaction is shown with no release of a mortgage, property owned free and clear. - Seller-XX/XX/XXXX

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX - XX/XX/XXXX (1).pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-434

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Borrowing Entity Tax ID

Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-EIN uploaded - Seller-XX/XX/XXXX
Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-EIN uploaded - Seller-XX/XX/XXXX

Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_EIN-XXXXXXXX_LLC.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-434

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Credit memo attached - Seller-XX/XX/XXXX

Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Credit memo attached - Seller-XX/XX/XXXX

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Credit XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-434

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Appraisal uploaded - Buyer-XX/XX/XXXX
Open-Appraisal or other primary valuation product is missing Appraisal is missing. Additional conditions may apply upon receipt of the missing documentation and evidence of market rents. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.PDF

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-434

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Term Sheet received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Term sheet uploaded - Seller-XX/XX/XXXX

Open-Term sheet is missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Term sheet uploaded - Seller-XX/XX/XXXX

Resolved-Term Sheet received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Term Sheet - XXXXXXXX.pdf

XXXXXXXX

Investment

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-440

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Loan Agreement is incomplete

Resolved-Loan Agreement provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Loan agreement provided is incomplete. Loan agreement is not executed by lender. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Loan Agreement provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Loan XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-442

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Audited Reserves are less than Guideline Required Reserves (Dollar Amount)

Resolved-Lender provided PCCD that verifies additional funds to borrower to be used towards reserves. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Audited Assets of $X,XXX.XX are greater than Guideline Required Assets of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached final PCCD . The cash out proceeds can be used towards the required reserves . Kindly review and clear the condition - Seller-XX/XX/XXXX
Open-Audited Assets of $X,XXX.XX are less than Guideline Required Assets of $X,XXX.XX. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached final PCCD . The cash out proceeds can be used towards the required reserves . Kindly review and clear the condition - Seller-XX/XX/XXXX

XXXXXXXX PCCD.pdf

XXXXXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXXXXXX

N/A

HILD2026NQM1-442

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

HPML: Most Recent Primary Appraisal Not Provided to Applicant

Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX

Counter-The appraisal needs to be sent to the borrower after the appraisal signature date. The appraisal was signed on XX/XX/XXXX. Condition remains. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. . - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-The appraisal effective date is XX/XX/XXXX . Please review and clear the condition - Seller-XX/XX/XXXX

Open-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. HPML: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX

Ready for Review-The appraisal effective date is XX/XX/XXXX . Please review and clear the condition - Seller-XX/XX/XXXX

Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_Delivery_XXXXXXXX (1).pdf

XXXXXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXXXXXX

N/A

HILD2026NQM1-442

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

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

Resolved-Lender provided PCCD that verifies additional funds to borrower to be used towards reserves. Condition cleared. - 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

Ready for Review-Document Uploaded. Please see attached final PCCD . The cash out proceeds can be used towards the required reserves . Kindly review and clear the condition - Seller-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 Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached final PCCD . The cash out proceeds can be used towards the required reserves . Kindly review and clear the condition - Seller-XX/XX/XXXX

XXXXXXXX PCCD.pdf

XXXXXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXXXXXX

N/A

HILD2026NQM1-442

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided PCCD that verifies additional funds to borrower to be used towards reserves. Condition cleared. - 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-Document Uploaded. Please see attached final PCCD . The cash out proceeds can be used towards the required reserves . Kindly review and clear the condition - Seller-XX/XX/XXXX

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached final PCCD . The cash out proceeds can be used towards the required reserves . Kindly review and clear the condition - Seller-XX/XX/XXXX

XXXXXXXX PCCD.pdf

XXXXXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXXXXXX

N/A

HILD2026NQM1-442

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXXXXXX

HILD2026NQM1-442

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXXXXXX

HILD2026NQM1-443

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Loan Agreement is incomplete

Resolved-Loan Agreement provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX

Open-Loan agreement provided is incomplete. Loan agreement is not executed by the lender. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX

Resolved-Loan Agreement provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX - Loan XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-444

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Audited DTI of 54.6% exceeds Guideline DTI of 45% Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached exception approval. - Seller-XX/XX/XXXX
Open-Audited DTI of 54.6% exceeds Guideline DTI of 45% Per lender guidelines, the maximum DTI for a first-time homebuyer is 45%. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached exception approval. - Seller-XX/XX/XXXX

revised exception approval.pdf

Residual Income > 1.5X Monthly Debts
Credit Score > 10+ Points more than qualifying
Minimal debts / revolving accounts
No derogatory events

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-444

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-Lender provided the verification of rent. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX
Open-ATR Risk - Credit History taken into consideration does not meet requirements Per lender guidelines, a third-party VOR is required for any file when the borrower is currently renting. VOR is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX

XXXXXXXX rent XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-444

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Lender provided the verification of rent. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please find attached 12 months verification of rent payments - these were in the credit pkg as well (pages 106-152). - Seller-XX/XX/XXXX
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per lender guidelines, a third-party VOR is required for any file when the borrower is currently renting. VOR is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find attached 12 months verification of rent payments - these were in the credit pkg as well (pages 106-152). - Seller-XX/XX/XXXX

XXXXXXXX rent XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-444

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-446

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Borrower

Fraud alert is present on the credit report

Resolved-Processor cert addressing credit alert received. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX
Open-The credit report reflects an initial fraud alert, but the processor certification is missing from the file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX

Resolved-Processor cert addressing credit alert received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Cert..pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-447

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-449

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

Appraisal Delivery Does Not Conform To E-Sign Act

Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX
Ready for Review-can we request for an exception on the E-consent since we already have the appraisal waiver - Seller-XX/XX/XXXX
Counter-E-sign provided is dated after appraisal delivery. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX
Counter-Documentation provided indicates appraisal was delivered electronically prior to the borrower signing an e-consent disclosure. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. There is no rule that an e-consent must be provided if the appraisal was sent via email. Also, please find attached the appraisal proof of delivery dated more than three days before NOTE along with the appraisal acknowledgment - Seller-XX/XX/XXXX
Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-can we request for an exception on the E-consent since we already have the appraisal waiver - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. There is no rule that an e-consent must be provided if the appraisal was sent via email. Also, please find attached the appraisal proof of delivery dated more than three days before NOTE along with the appraisal acknowledgment - Seller-XX/XX/XXXX

Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX OF DELIVERY - XXXXXXXX.pdf

XXXXXXXX AND XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX_Delivery_XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-450

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

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

Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX
Waived-Waiver received to accept documented reserves - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Exception approval for the reserves attached. - Seller-XX/XX/XXXX
Open-Audited Reserves of 9.42 month(s) are less than Guideline Required Reserves of 12 month(s) The Audited Reserves of 9.42 month(s) are less than Guideline Required Reserves of 12 month(s). Lender guidelines require 12 months of reserves for escrow waivers. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception approval for the reserves attached. - Seller-XX/XX/XXXX

XXXXXXXX_exception_XXXXXXXX.pdf

DTI < 5% below the Maximum Qualifying
CLTV < 5% below the Maximum Qualifying
Residual Income ≥ 1.5x Monthly Debts
36+ Months 0x30 housing payment history
No derogatory events

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-450

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline FICO

Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX
Waived-Waiver received to accept credit score for escrow waiver - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Exception approval attached. - Seller-XX/XX/XXXX
Open-Audited FICO of 718 is less than Guideline FICO of 720 Lender guidelines require minimum credit score of 720 for escrow waivers. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception approval attached. - Seller-XX/XX/XXXX

XXXXXXXX_exception_XXXXXXXX.pdf

DTI < 5% below the Maximum Qualifying
CLTV < 5% below the Maximum Qualifying
Residual Income ≥ 1.5x Monthly Debts
36+ Months 0x30 housing payment history
No derogatory events

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-450

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Assets

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

Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX

Waived-Waiver received to allow assets documented in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find attached exception approval. - Seller-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 Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX. Lender guidelines require 12 months of reserves for escrow waivers. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please find attached exception approval. - Seller-XX/XX/XXXX

XXXXXXXX_exception_XXXXXXXX.pdf

DTI < 5% below the Maximum Qualifying
CLTV < 5% below the Maximum Qualifying
Residual Income ≥ 1.5x Monthly Debts
36+ Months 0x30 housing payment history
No derogatory events

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-450

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Exception approval for reserves attached. - Seller-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX. Lender guidelines require 12 months of reserves for escrow waivers. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception approval for reserves attached. - Seller-XX/XX/XXXX

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_exception_XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-450

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-456

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided required documentation of the CPA letter. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX
Open-Lender guidelines require documentation that the CPA license is verified and active. Required documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX

Resolved-Lender provided required documentation of the CPA letter. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX VOE XXXXXXXX (XXXXXXXX & XXXXXXXX).pdf

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

N/A

HILD2026NQM1-456

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

XXXXXXXX

Primary Residence

Refinance

Cash Out - Other

XXXXXXXX

HILD2026NQM1-458

XXXXXXXX

XX/XX/XXXX

Acknowledged

1 - Information

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

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-460

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided hazard insurance for REO 3a. Condition cleared - 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-Document Uploaded. Please see attached - Seller-XX/XX/XXXX
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide evidence of hazard insurance for REO 3a on Final 1003. Required documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX

XXXXXXXX Of XXXXXXXX for XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-460

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided hazard insurance for REO 3a. Condition cleared - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX

Open-Please provide evidence of hazard insurance for REO 3a on Final 1003. Required documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX

Resolved-Lender provided hazard insurance for REO 3a. Condition cleared - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Of XXXXXXXX for XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-460

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-Lender provided the replacement cost estimate. Condition cleared. - 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-Document Uploaded. Please see attached RCE - Seller-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 Hazard Insurance Coverage Amount of $X,XXX.XX is less than Total Amount of Subject Lien(s) of $X,XXX.XX. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached RCE - Seller-XX/XX/XXXX

XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-460

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-462

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-463

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Debt Service Coverage Ratio below guideline minimum

Waived-Waiver received to use property tax calculation based on current tax bill mill rate. A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX
Waived-Document Uploaded. Waiver received to use property tax calculation based on current tax bill mill rate.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Per XXXXXXXX the exception is not required since we have the rate listed on the Taxes invoice. Please review and waive the condition - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached exception request along with the appraisal report . Kindly review and advise on an exception .

The UW used 1.095% “showing on the tax Cert” + $X,XXX.XX instead of the 1.25% required by GLs to calculate the property taxes.  This affected the DSCR, resulting in a ratio of 0.993% which is below 1.00% minimum required. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached Tax cert - Seller-XX/XX/XXXX
Counter-Origination property taxes not calculated per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Property Taxes = ( $X,XXX.XX x 1.095% ) + $X,XXX.XX.0700 = $X,XXX.XX - Seller-XX/XX/XXXX
Counter-Please provide a documented itemized breakdown of the qualifying payment.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Qualifying Monthly Gross Rent = $X,XXX.XX / Qualifying Monthly Payment = $X,XXX.XX,$X,XXX.XX
Debt Service Coverage Ratio (DSCR) = 1.00

- Seller-XX/XX/XXXX
Open-Audited DSCR of 0.993 is below guideline minimum of 1 Debt Service Coverage Ratio of 0.993% is below guideline minimum of 1.00% for purchase transaction with LTV of 79.5%. Per guidelines, property taxes in the State of XXXXXXXX to be calculated using 1.25% of the purchase price for DSCR loans. Based on this calculation, the DSCR of 0.993% is below 1.00% minimum required. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Per XXXXXXXX the exception is not required since we have the rate listed on the Taxes invoice. Please review and waive the condition - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached exception request along with the appraisal report . Kindly review and advise on an exception .

The UW used 1.095% “showing on the tax Cert” + $X,XXX.XX instead of the 1.25% required by GLs to calculate the property taxes. This affected the DSCR, resulting in a ratio of 0.993% which is below 1.00% minimum required. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached Tax cert - Seller-XX/XX/XXXX
Ready for Review-Property Taxes = ( $X,XXX.XX x 1.095% ) + $X,XXX.XX.0700 = $X,XXX.XX - Seller-XX/XX/XXXX
Ready for Review-Qualifying Monthly Gross Rent = $X,XXX.XX / Qualifying Monthly Payment = $X,XXX.XX,$X,XXX.XX
Debt Service Coverage Ratio (DSCR) = 1.00

- Seller-XX/XX/XXXX

TAX XXXXXXXX.pdf

XXXXXXXX.pdf

XXXXXXXX_exception_XXXXXXXX_1.XXXXXXXX

XXXXXXXX.pdf

Credit Score ≥ 10+ Points more than qualifying
36+ Months 0x30 housing payment history
No derogatory events
Reserves over two months of PITI

XXXXXXXX

Investment

Purchase

XXXXXXXX

HILD2026NQM1-464

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Ineligible Property Type

Waived-ADU does not meet agency guidelines. Property ADU is 30 feet larger than primary home. The lender provided an approved exception dated prior to consummation and compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX
Waived-ADU does not meet agency guidelines. Property ADU is 30 feet larger than primary home. The lender provided an approved exception dated prior to consummation and compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

Waived-ADU does not meet agency guidelines. Property ADU is 30 feet larger than primary home. The lender provided an approved exception dated prior to consummation and compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX

Waived-ADU does not meet agency guidelines. Property ADU is 30 feet larger than primary home. The lender provided an approved exception dated prior to consummation and compensating factors have been documented and validated. - Due Diligence Vendor-XX/XX/XXXX

Credit score >775
LTV 75%
DSCR 1.0 or better
No derogatory events
Reserves over two months of PITI

XXXXXXXX

Investment

Purchase

XXXXXXXX

Yes

HILD2026NQM1-464

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing rent comparable schedule form 1007

Resolved-Revised 1007 received.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Missing rent comparable schedule form 1007. 1007 to clarify occupancy, appraisal reflects the property is vacant but a month-to-month lease agreement was provided. DSCR will be calculated upon receipt of documentation, additional conditions may apply.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-Revised 1007 received. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Rent XXXXXXXX.pdf

XXXXXXXX

Investment

Purchase

XXXXXXXX

N/A

HILD2026NQM1-465

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Waiver received to allow DTI to 46% . A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX
Waived-Waiver received to allow DTI to 46% - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. exception form - Buyer-XX/XX/XXXX
Counter-Please provide completed exception w/valid comp factors. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX
Open-Audited DTI of 45.29% exceeds Guideline DTI of 43% As per General Alt Doc Overlays, Max DTI is 43%. Audited DTI exceeds Max DTI. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

EXCEPTION XXXXXXXX.pdf

XXXXXXXX_Exception.pdf

36 mo 0x30 Housing history
No derog events
2 mo PITI Reserves.

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-465

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Missing Third Party Fraud Report Third Party Fraud Report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

fraud XXXXXXXX.pdf

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

N/A

HILD2026NQM1-465

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-466

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

HILD2026NQM1-468

XXXXXXXX

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-RESPA: Servicing Transfer Notice Missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX

Primary Residence

Purchase

XXXXXXXX

HILD2026NQM1-469

XXXXXXXX

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is greater than Guideline Maximum Loan Amount

Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XX/XX/XXXX
Waived-Waiver received for loan amount - Due Diligence Vendor-XX/XX/XXXX
Open-Please see exception uploaded - Buyer-XX/XX/XXXX
Open-Document Uploaded. The Loan amount exception was provided based on additional LLP hit. - Buyer-XX/XX/XXXX
Open-Audited Loan Amount of $X,XXX.XX is greater than the Guideline Maximum Loan Amount of $X,XXX.XX Documentation in file references a lender exception; however, no approved exception form was found in file. - Due Diligence Vendor-XX/XX/XXXX

Exception.pdf

CLTV 5% below maximum qualifying
Credit score 10pts above qualifying

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

HILD2026NQM1-469

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Disbursement Date

Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX
Open-Document Uploaded. Please see attached Disbursed Final Settlement Statement. Hazard Insurance effective on XX/XX/XXXX – same day loan disbursed. - Seller-XX/XX/XXXX
Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Statement.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A

HILD2026NQM1-469

XXXXXXXX

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Open-Document Uploaded. Business Report for XXXXXXXX confirming he is the sole registered owner for XXXXXXXX (100%). - Buyer-XX/XX/XXXX

Open-Asset Record 2 Does Not Meet G/L Requirements Missing documentation borrower is 100% owner of the business for use of business assets. Additional conditions may apply upon receipt of documentation. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX Business XXXXXXXX_XXXXXXXXXX LLC.pdf

XXXXXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXXX

N/A