j.p. morgan acceptance corporation ii ABS-15G

 

Exhibit 99.22

 

Loan ID Seller Loan ID Investor Loan ID Field Name Verified Value Bid Tape Value Comment
305136611 XXXXX   As-Is Value $XXX $XXX Appraisal Reflects XXX of XXX
305197037 XXXXX   As-Is Value $XXX $XXX Appraisal reflects XXX
305085802 XXXXX   City XXX XXX Appraisal reflects subject property in the city of XXX
305134662 XXXXX   DSCR XXX XXX Monthly Breakdown: XXX Income / P&I XXX + Insurance XXX + Taxes XXX
305136611 XXXXX   DSCR XXX XXX Monthly Breakdown: XXX Income / P&I XXX + Insurance XXX + Taxes XXX
305136704 XXXXX   DSCR XXX XXX Monthly Breakdown: XXX Income / P&I XXX + Insurance XXX + Taxes XXX
305148464 XXXXX   DSCR XXX XXX Monthly Breakdown: XXX Income / P&I XXX + Insurance XXX + Taxes XXX
305174131 XXXXX   DSCR XXX XXX Utilizing Lease rent for Income: XXX Income / P&I XXX + Insurance XXX + Taxes XXX
305175075 XXXXX   DSCR XXX XXX Monthly Breakdown: XXX Income / P&I XXX + Insurance XXX + Taxes XXX
305179630 XXXXX   DSCR XXX XXX Monthly Breakdown: XXX Income / P&I $ XXX + Insurance XXX + Taxes XXX
305174220 XXXXX   DSCR XXX XXX Monthly Breakdown: XXX Income / P&I XXX Insurance XXX + Taxes XXX
305170551 XXXXX   DSCR XXX XXX Monthly Breakdown: XXX Income / P&I XXX + Insurance XXX + Taxes XXX
304393296 XXXXX   DSCR XXX XXX Breakdown as follows: XXX income/ XXX P&I + XXX insurance + XXX taxes
304685820 XXXXX   DSCR XXX XXX Monthly breakdown: XXX income/ XXX P&I + XXX insurance + XXX taxes + XXX HOA
305121328 XXXXX   DSCR XXX XXX $XXX/$XXX
305121310 XXXXX   DSCR XXX XXX $XXX/$XXX
305121302 XXXXX   DSCR XXX XXX $XXX/$XXX
305121274 XXXXX   DSCR XXX XXX $XXX/$XXX
304779670 XXXXX   DSCR XXX XXX Breakdown: XXX Income / XXX P&I + XXX Insurance + XXX Taxes
305121328 XXXXX   Gross Rent XXX XXX  
305121302 XXXXX   Gross Rent XXX XXX Using the lease rent of XXX when market rent is XXX
305121265 XXXXX   Gross Rent XXX XXX Using XXX% of market retn for 1st unit and lease rent for all other units
305139169 XXXXX   Gross Rent XXX XXX off by XX/XX/XXXX cents
304393296 XXXXX   Interest Rate XXX XXX Note reflects XXX%
305136611 XXXXX   Loan Amount $XXXXXX $XXXXXX Note reflects XXX
305125613 XXXXX   Loan Amount $XXXXXX $XXXXXX Note reflects XXX
304393296 XXXXX   Loan Amount $XXXXXX $XXXXXX Note reflects XXX
305175070 XXXXX   Loan Purpose XXX XXX CD reflects XXX cash to borrower
305175069 XXXXX   Loan Purpose XXX XXX Closing disclosure reflects XXX cash to borrower
305197037 XXXXX   Loan Purpose XXX XXX CD reflects cash from borrower XXX
305185889 XXXXX   Loan Purpose XXX XXX Closing Disclosure reflects XXX to borrower
304684693 XXXXX   Loan Purpose XXX XXX  
304393296 XXXXX   Loan Purpose XXX XXX Cash out amount < XXX Not qualified as cash out
305136611 XXXXX   LTV 80.00% 75.00% XXX / XXX Qualifying value
305197037 XXXXX   LTV 80.00% 73.20% XXX / XXX Qualifying value
305125613 XXXXX   LTV 80.00% 74.74% XXX / XXX Qualifying Value
304393296 XXXXX   LTV 77.37% 75.00% Using XXX
305121315 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX  
305121310 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Note reflects XX/XX/XXXX
305121302 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Note reflects XX/XX/XXXX
305121274 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX  
305121269 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Note reflects XX/XX/XXXX
305139244 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Note reflects XX/XX/XXXX
305139218 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Note reflects XX/XX/XXXX
305139213 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Note reflects XX/XX/XXXX
305139142 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Note reflects XX/XX/XXXX
305139137 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Note reflects XX/XX/XXXX
305139135 XXXXX   Note Date XX/XX/XXXX XX/XX/XXXX Note reflects XX/XX/XXXX
305136611 XXXXX   P&I XXX XXX Note reflects P&I of XXX
305125613 XXXXX   P&I XXX XXX Note reflects P&I of XXX
304393296 XXXXX   P&I XXX XXX Note reflects XXX
305121328 XXXXX   PITIA XXX XXX Breakdown: Monthly Payment: XXX Hazard: XXX Taxes: XXX + XXX: XXX
305121315 XXXXX   PITIA XXX XXX  
305121310 XXXXX   PITIA XXX XXX Breakdown: XXX P&I + XXX Insurance + XXX Tax + XXX XXX
305121302 XXXXX   PITIA XXX XXX Breakdown: XXX P&I + XXX Insurance + XXX Tax + XXX XXX
305139256 XXXXX   PITIA XXX XXX Breakdown: XXX P&I + XXX Insurance + XXX Tax
305121274 XXXXX   PITIA XXX XXX Breakdown: XXX P&I + XXX Insurance + XXX tax
305121269 XXXXX   PITIA XXX XXX Breakdown: XXX P&I + XXX Insurance + XXX Tax + XXX HOA
305139218 XXXXX   PITIA XXX XXX Breakdown: XXX P&I + XXX Hazard + XXX Tax + XXX HOA
305183675 XXXXX   Postal Code XXX XXX XXX per appraisal report in file dated XX/XX/XXXX
305147829 XXXXX   Property Type 12- 1 Family Attached SINGFAMDET Appraisal reflects attached
305174303 XXXXX   Property Type 8- Townhouse (Do not report as "PUD") SINGFAMDET Appraisal reflects Townhouse
305147629 XXXXX   Property Type 12- 1 Family Attached SINGFAMDET Appraisal Reflects subject property as XXX
305082969 XXXXX   Property Type 15- 4 Family 2FAM Appraisal reflects XXX unit
305170651 XXXXX   Property Type 12- 1 Family Attached SINGFAMDET Appraisal reflects attached
305175059 XXXXX   Property Type 8- Townhouse (Do not report as "PUD") SINGFAMDET Townhouse per appraisal
305082969 XXXXX   Property Units XXX XXX Appraisal reflects XXX unit
305174135 XXXXX   Qualifying FICO XXX XXX Credit report reflects XXX
305167426 XXXXX   Qualifying FICO XXX XXX Credit report dated XX/XX/XXXX reflects XXX
305139215 XXXXX   Qualifying FICO XXX XXX  
305139166 XXXXX   Qualifying FICO XXX XXX Credit Report reflects XXX
305139142 XXXXX   Qualifying FICO XXX XXX Using credit score of XXX, he has highest % of ownership of entity
305156728 XXXXX   Amortization Type XXX XXX Note reflects ARM
305156727 XXXXX   Amortization Type XXX XXX Note reflects ARM
305156725 XXXXX   Amortization Type XXX XXX Note reflects ARM
305157816 XXXXX   DSCR XXX XXX XXX Lease Rent / XXX PITIA = XX/XX/XXXX DSCR
305128246 XXXXX   DSCR XXX XXX XXX Lease Rents / XXX PITIA = XX/XX/XXXX DSCR
305156722 XXXXX   DSCR XXX XXX XXX Lease Rents / XXX PITIA = XXX DSCR
305156702 XXXXX   DSCR XXX XXX XXX Mkt Rent / XXX PITIA = XXX DSCR
305142354 XXXXX   DSCR XXX XXX XXX Lease Rent/ XXX PITIA = XXX DSCR
305122632 XXXXX   DSCR XXX XXX XXX Lease Rent / XXX PITIA = XX/XX/XXXX DSCR
305186435 XXXXX   DSCR XXX XXX XXX Lease Rents / XXX PITIA = XX/XX/XXXX DSCR
305172678 XXXXX   DSCR XXX XXX XXX Lease Rent/ XXX PITIA = XX/XX/XXXX DSCR
305172680 XXXXX   DSCR XXX XXX XXX Mkt Rent / XXX PITIA = XXX DSCR
305172679 XXXXX   DSCR XXX XXX XXX Mkt Rent / XXX PITIA = XXX DSCR
305156305 XXXXX   Loan Purpose XXX XXX Settlement Statement reflects cash to borrower in the amount of XXX which is greater than XXX% of the XXX
305156702 XXXXX   Monthly Taxes XXX XXX Includes County, City & School taxes
305128221 XXXXX   Monthly Taxes XXX XXX Includes City Tax
305172680 XXXXX   Monthly Taxes XXX XXX Includes City taxes
305172679 XXXXX   Monthly Taxes XXX XXX Includes city taxes
305142374 XXXXX   P&I XXX XXX Per Note, P&I is XXX
305156579 XXXXX   P&I XXX XXX Note reflects XXX
305156702 XXXXX   P&I XXX XXX Per Note, P&I is XXX
305128221 XXXXX   P&I XXX XXX Per Note, P&I is XXX
305134093 XXXXX   P&I XXX XXX Note reflects XXX
305134111 XXXXX   P&I XXX XXX Note reflects XXX
305186435 XXXXX   P&I XXX XXX Note reflects XXX
305172680 XXXXX   P&I XXX XXX Note reflects XXX
305172679 XXXXX   P&I XXX XXX Note reflects XXX
305102789 XXXXX   PITIA XXX XXX The tape is only reflecting P&I
305120593 XXXXX   PITIA XXX XXX Includes monthly HOA fee of XXX
305142374 XXXXX   PITIA XXX XXX XXX P&I + XXX Ins + XXX Tax = XXX PITIA
305134135 XXXXX   PITIA XXX XXX The tape is only reflecting P&I
305142354 XXXXX   PITIA XXX XXX The tape is only reflecting P&I
305128236 XXXXX   PITIA XXX XXX Includes XXX Monthly HOA
305156600 XXXXX   PITIA XXX XXX The tape is only reflecting P&I
305142331 XXXXX   PITIA XXX XXX The tape is only reflecting P&I
305134111 XXXXX   PITIA XXX XXX XXX P&I + XXX Tax + XXX Ins = XXX PITIA
305156647 XXXXX   PITIA XXX XXX The tape is only reflecting P&I
305157816 XXXXX   Prepayment Penalty XXX XXX XXX Months
305157816 XXXXX   Prepymt - May/Will Not Penalty XXX XXX Note reflects XXX
305120593 XXXXX   Property Type 12- 1 Family Attached PUD Appriasal attached townhouse
305088300 XXXXX   Property Type 29- 5 to 10 Unit Multi-Family 2-4 Units XXX Units
305122632 XXXXX   Property Type 29- 5 to 10 Unit Multi-Family 2-4 Units XXX Units
305186435 XXXXX   Property Type 29- 5 to 10 Unit Multi-Family 2-4 Units XXX Units
305088300 XXXXX   Qualifying FICO XXX XXX Mid FICO from XX/XX/XXXX report is XXX
305157816 XXXXX   T & I Payment XXX XXX XXX Tax + XXX Ins = XXX T&I
305176859 XXXXX   Borrower 1 Citizen XXX XXX Confirmed borrowers XXX using 1003 and ID documents.
305176952 XXXXX   Borrower 1 Citizen XXX XXX Confirmed XXX using 1003 and ID documents.
305176816 XXXXX   Borrower 1 Citizen XXX XXX Confirmed borrowers XXX using 1003 and ID documents.
305176819 XXXXX   Borrower 1 Citizen XXX XXX Confirmed on the Final 1003 and residency docs.
305176897 XXXXX   Borrower 1 Citizen XXX XXX XXX verified via documents provided in file.
305176881 XXXXX   Borrower 1 Citizen XXX XXX Per Permanent Resident card
305176870 XXXXX   Borrower 1 Citizen XXX XXX XXX docs verified in file.
305176884 XXXXX   Borrower 1 Citizen XXX XXX XXX verified via docs provided.
305176811 XXXXX   Borrower 1 Citizen XXX XXX Borrowers are XXXs
305176819 XXXXX   Borrower 1 FTHB XXX XXX Confirmed on the Final 1003 and credit report.
305176897 XXXXX   Borrower 1 FTHB XXX XXX Borrower is FTHB. Mapping issue.
305176880 XXXXX   Borrower 1 FTHB XXX XXX Formatting.
305176932 XXXXX   Borrower 1 FTHB XXX XXX First time homebuyer, UW on XXX notes FTHB, no mortage/ownership history.
305176837 XXXXX   Borrower 1 FTHB XXX XXX B1/B2 are FTHB. Mapping issue.
305176811 XXXXX   Borrower 1 FTHB XXX XXX Borrowers are FTHB
305102537 XXXXX   Borrower 2 Last Name XXXXX XXXXX Per Note
305120693 XXXXX   Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX  
305095162 XXXXX   Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX As per Recent settlement document shows settlement date as XXX/XXX/XXX.
305134182 XXXXX   Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX CD reflects XX/XX/XXXX
305133986 XXXXX   Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX  
305128287 XXXXX   Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX  
305142327 XXXXX   Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX  
305085157 XXXXX   Credit QM/ATR Designation XXX XXX Per Lender's approval the subject loan is a Non-QM loan.
305102758 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval
305085071 XXXXX   Credit QM/ATR Designation XXX XXX Update as per Lender Guidelines
305102825 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval
305120693 XXXXX   Credit QM/ATR Designation XXX XXX Per the Lender's approval the subject loan is NonQM.
305095162 XXXXX   Credit QM/ATR Designation XXX XXX Credit QM ATR Designation - As per Business purpose loan updated as XXX
305088633 XXXXX   Credit QM/ATR Designation XXX XXX Updated as per the Lender Guidelines, the subject loan is NonQM.
305120709 XXXXX   Credit QM/ATR Designation XXX XXX Updated per income type.
305120624 XXXXX   Credit QM/ATR Designation XXX XXX Updated per income type
305134143 XXXXX   Credit QM/ATR Designation XXX XXX Updated per income type
305133904 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval
305142312 XXXXX   Credit QM/ATR Designation XXX XXX Per the Lender's approval the subject loan is NonQm.
305134004 XXXXX   Credit QM/ATR Designation XXX XXX per guidelines
305128336 XXXXX   Credit QM/ATR Designation XXX XXX  
305128367 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval.
305134152 XXXXX   Credit QM/ATR Designation XXX XXX Per the Lender's approval the subject loan is NonQM.
305142264 XXXXX   Credit QM/ATR Designation XXX XXX Per approval
305133959 XXXXX   Credit QM/ATR Designation XXX XXX Verified QM/ATR status using guideline matrix
305134182 XXXXX   Credit QM/ATR Designation XXX XXX Per approval
305120595 XXXXX   Credit QM/ATR Designation XXX XXX Non QM, per Loan Approval.
305134222 XXXXX   Credit QM/ATR Designation XXX XXX Per the Lender's approval the subject loan is NonQM.
305142154 XXXXX   Credit QM/ATR Designation XXX XXX Per the Lender's approval the subject loan is Business Purpose.
305133984 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval
305156663 XXXXX   Credit QM/ATR Designation XXX XXX Non QM, per Loan Approval.
305156626 XXXXX   Credit QM/ATR Designation XXX XXX Non QM, per Loan Approval.
305142137 XXXXX   Credit QM/ATR Designation XXX XXX Non QM, per Loan Approval.
305120726 XXXXX   Credit QM/ATR Designation XXX XXX Per the Lender's approval the subject loan is NonQM.
305133986 XXXXX   Credit QM/ATR Designation XXX XXX Per the Lender's approval the subject loan is NonQM.
305128287 XXXXX   Credit QM/ATR Designation XXX XXX Per the Lender's approval the subject loan is NonQM.
305134068 XXXXX   Credit QM/ATR Designation XXX XXX Non QM, per Loan Approval.
305156641 XXXXX   Credit QM/ATR Designation XXX XXX Verified QM/ATR status using guideline matrix
305142432 XXXXX   Credit QM/ATR Designation XXX XXX Non QM, per Loan Approval.
305134101 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval
305134051 XXXXX   Credit QM/ATR Designation XXX XXX Per employment
305156545 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval
305156700 XXXXX   Credit QM/ATR Designation XXX XXX Updated as per Lender Approval -Business purpose
305134138 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval
305156523 XXXXX   Credit QM/ATR Designation XXX XXX XXX followed as per guideline. Income type.
305156557 XXXXX   Credit QM/ATR Designation XXX XXX QM status is Exempt since it is a Purchase Investment loan as per Deal guide
305142219 XXXXX   Credit QM/ATR Designation XXX XXX XXX was confirmed using the lender approval. The file is a Non-QM Business bank Statement loan; therefore, the field "ATR Lender Documented All ATR Underwriting Factors" has been updated accordingly.
305134195 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval
305142327 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval
305172743 XXXXX   Credit QM/ATR Designation XXX XXX Non QM, per Loan Approval.
305133991 XXXXX   Credit QM/ATR Designation XXX XXX Per Lender's approval the subject loan is NonQM.
305156384 XXXXX   Credit QM/ATR Designation XXX XXX Updated per business purpose/investment property
305172711 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval
305156381 XXXXX   Credit QM/ATR Designation XXX XXX Per approval
305156592 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval
305142155 XXXXX   Credit QM/ATR Designation XXX XXX Per the Lender's approval the subject loan is NonQM.
305172735 XXXXX   Credit QM/ATR Designation XXX XXX Per approval
305133970 XXXXX   Credit QM/ATR Designation XXX XXX Updated per income type
305128259 XXXXX   Credit QM/ATR Designation XXX XXX Non QM, per Loan Approval.
305156419 XXXXX   Credit QM/ATR Designation XXX XXX Per approval
305172602 XXXXX   Credit QM/ATR Designation XXX XXX Verified using guideline matrix
305102537 XXXXX   Credit QM/ATR Designation XXX XXX Per Loan Approval
305102825 XXXXX   Loan Product Type XXX XXX Per Note
305120709 XXXXX   Loan Product Type XXX XXX Updated per lender approval and note
305128367 XXXXX   Loan Product Type XXX XXX Per Loan Approval.
305134152 XXXXX   Loan Product Type XXX XXX Per the Lender's approval and subject note, the subject loan is XXX Year Fixed.
305142154 XXXXX   Loan Product Type XXX XXX Per the Lender's approval the Loan Product is XXX Year Fixed
305172711 XXXXX   Loan Product Type XXX XXX Per Note
305176868 XXXXX   Property Type Single Family Attached Single Family Detached Per Apprisal.
305156557 XXXXX   Property Type Single Family Attached Single Family Detached Verified XXX with Appraisal document
305157910 XXXXX   Property Value $XXX $XXX Verified with the appraisal, the lower purchase price used to qualify.
305157810 XXXXX   Property Value $XXX $XXX Using Purchase price as XXX since it is lower than the appraised value
305157890 XXXXX   Property Value $XXX $XXX Verified with the appraisal
305157914 XXXXX   Property Value $XXX $XXX Verified with the appraisal, the lower purchase price used to qualify.
305157921 XXXXX   Property Value $XXX $XXX Value vs sales price
305157909 XXXXX   Property Value $XXX $XXX Verified with the appraisal, the lower purchase price used to qualify.
305157890 XXXXX   Qualifying CLTV 60.7 62.38 Verified with the appraisal and the XXX
305176937 XXXXX   Qualifying CLTV 58.04 75.00 Variance in CLTV audit XXX% vs Lender XXX% due to Lender using appraised value of XXX Appraisal report show property listed for sale XX/XX/XXXX for that amount.
305155560 XXXXX   Qualifying FICO XXX XXX Per Primary Wage Earner's middle score
305176814 XXXXX   Qualifying FICO XXX XXX Per Primary Wage Earner's middle credit score
305176831 XXXXX   Qualifying FICO XXX XXX Confirmed Primary Wage Earner is used to qualify with a XXX credit score.
305157890 XXXXX   Qualifying LTV 60.7 62.38 Verified with the appraisal and the XXX
305176937 XXXXX   Qualifying LTV 58.04 75.00 Variance in LTV audit XXX% vs Lender XXX% due to Lender using appraised value of XXX Appraisal report show property listed for sale XX/XX/XXXX for that amount.
305176904 XXXXX   Qualifying Monthly P&I Amount $XXX $XXX Alt Doc Prime requires to use the fully amortized payment for the subject.
305102825 XXXXX   Qualifying Total Debt Income Ratio XXX XXX The Lender used an old mortgage Statement for PITI for the non subject invest property so the rental income XXX greater than the Audit calculation. The DTI increased from XXX% to XXX%. 
305120693 XXXXX   Qualifying Total Debt Income Ratio XXX XXX The audit DTI is due to the audit income calculation, the property XXX taxes and HOI monthly payment being added into calculations, and cents being added for the mortgage payments. At origination, XXX months bank Statements were used to calculate the borrower's self-employment monthly income; however, was divided by XXX months. The subject loan's doc type it was approved with was XXX months bank Statements. As a result only XXX months bank Statements should have been used to calculate the borrower's monthly income at origination. The borrower's monthly income was verified by XXX months bank Statements, CPA letter, and business narrative questionnaire. CPA letter and business narrative questionnaire disclosed the borrower owns the business XXX% Verified monthly income as XXX versus the origination monthly income of $XXX. For property, XXX - No housing payment disclosed on Final 1003. No mortgage payment disclosed for this property on the borrower's credit report. The loan file did contain tax documents that verified XXX of XXX on page XXX of the loan file and monthly HOI payment of XXX on page XXX of the loan file. There are not documents in the loan file that this property was sold. Included these monthly payments in audit calculations. The audit DTI of XXX was increased by XXX. The audit DTI of XXX does not exceed max DTI allowed of XXX%
305120709 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Updated per liabilities - DTI is over lender final XXX by XXX% due to the final XXX P&I not using the qualifying amount per the I/O guidelines, there is a difference of XXX on the P&I. DTI still qualifies under max guidelines.
305154038 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Confirmed XXX% DTI correcting placement of XXX monthly Alimony as a liability vs negative income and recalculated the PITIA using Qualifying rate for I/O Note.
305128367 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Per income and liabilities calculation.
305120726 XXXXX   Qualifying Total Debt Income Ratio XXX XXX DTI matches updated XXX via trailing docs
305134068 XXXXX   Qualifying Total Debt Income Ratio XXX XXX XXX% DTI per audit review. The Co-Borrower's Final 1003 indicates an additional employer but provided no information, only the income. The file contains no additional income documentation. It appears to be in error. Omitting the income does not cause the DTI to exceed guideline limits.
305156700 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Updated per income and liabilities - The income is not matching to lender, less by XXX and liabilities total difference of XXX due to the taxes and insurance of the subject being less than lender used to qualify along with this affecting the overall net rent loss of the subject. Still qualifying under max DTI.
305155566 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Based on documented assets in the file.
305155609 XXXXX   Qualifying Total Reserves Number of Months XXX XXX XXX months reserves are required per Investor Guidelines
305176859 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Confirmed assets using current asset Statements.
305176820 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Updated assets, including retirement accounts
305176905 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per cash out and subject housing expense
305176816 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Confirmed assets using current asset Statements minus reserves.
305176814 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per asset documentation and housing expense
305157810 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per assets
305176946 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Reserves verified.
305176945 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Based on cash out proceeds.
305176936 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Confirmed based on the asset docs in file and the cash in hand from the subject transaction.
305176871 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Confirmed assets XXX using current asset Statements minus reserves.
305176864 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Confirmed based on the asset docs in file.
305176819 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Confirmed based on the cash out from the subject tranaction.
305176904 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Based on the documented assets and the cash out proceeds.
305176960 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Based on the documented assets in the loan file.
305176897 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Total reserves verified.
305176885 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Taken from assets
305176881 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per asset documentation and subject housing expense
305176870 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Reserves verified via asset docs in file.
305176868 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per asset documentation, including gift funds, and, subject housing expense
305176835 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Updated assets
305176830 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per asset documentation and subject housing expense.
305176818 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Confirmed based on the asset docs in file.
305157917 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified if required per Lender guides per XXX, verified from the Note and verified applicable assets available.
305176953 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Total reserves verified.
305176932 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Taken from assets
305176922 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Confirmed based on the asset docs in file.
305176919 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Total reserves verified via asset docs in file.
305176832 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Taken from assets
305176957 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Updated assets
305176927 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Confirmed based on the asset docs in file.
305176847 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Confirmed based on the asset docs in file.
305176843 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Total reserves verified.
305176828 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Updated assets
305157890 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statement.
305176872 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Confirmed based on the asset docs in file.
305176860 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Assets taken from file
305176857 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Updated assets
305176845 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Assets as documented in the loan file.
305176827 XXXXX   Qualifying Total Reserves Number of Months XXX XXX XXX months reserves are required per Investor Guidelines
305176825 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Taken from final CD cash to borrower
305176823 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Updated assets
305176811 XXXXX   Qualifying Total Reserves Number of Months XXX XXX XXX months reserves are required per Investor Guidelines
305157914 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.
305157921 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified asset Statements on file
305157909 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.
305157882 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per cashout
305157817 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Assets match the documentation provided
305157918 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Verified Statements on file.
305176966 XXXXX   Reviewed Appraised Property Value $XXX $XXX Taken from purchase price since less than XXX months
305176937 XXXXX   Reviewed Appraised Property Value $XXX $XXX Appraisal receipt date verified.
305157865 XXXXX   Borrower 1 FTHB XXX XXX B1 FTHB. B2 is not.
305157874 XXXXX   Borrower 1 FTHB XXX XXX Borrower is a FTHB.
305157864 XXXXX   Borrower 1 FTHB XXX XXX Bwrs are FTHB
305157865 XXXXX   Qualifying FICO XXX XXX Primary wage earner FICO score used for audit.
305157875 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Only assets verified were from the cash in hand from the subject transaction.
305157850 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per asset documentation and subject housing expense
305157863 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Per asset documentation and housing expense
305157874 XXXXX   Qualifying Total Reserves Number of Months XXX XXX Not able to use gift for reserves.
304695186 XXXXX   Application Date XX/XX/XXXX XX/XX/XXXX The initial application and initial loan estimate are dated XXX.
304695186 XXXXX   Credit QM/ATR Designation XXX XXX The subject transaction is ATR-QM Exempt as the refinance of an investment property.
304876077 XXXXX   Interest Rate XXX XXX XXX is XXX% per the Note.
304894541 XXXXX   Loan Amount $XXXXXX $XXXXXX Confirmed to be XXX update as per document
305028429 XXXXX   Loan Amount $XXXXXX $XXXXXX True data is correct, per note
305027320 XXXXX   Loan Amount $XXXXXX $XXXXXX The Note reflects a XXX of XXX
304894541 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Qualifying DTI XXX% match with XXX & AUS
304909808 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Audit DTI of XXX% matches to the Lender's XXX
304898907 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Review data is correct er income and credit documents. Review data also matches XXX and AUS.
304876077 XXXXX   Qualifying Total Debt Income Ratio XXX XXX Per documents in file
305028429 XXXXX   Qualifying Total Debt Income Ratio XXX XXX DTI is XXX% per audit review. Missing evidence of taxes and insurance on REO properties
304909455 XXXXX   Qualifying Total Debt Income Ratio XXX XXX DTI is XXX% per audit review. Slight variance from AUS DTI of XXX%
305128480 XXXXX   Amortization Type XXX XXX ARM