Exhibit 99.1 Schedule 3
| Marketing ID | Infinity Loan ID | Loan Number | Loan Number 2 | Borrower Name | State | QM/ATR Status | Initial Overall Loan Grade | Final Overall Grade | Final Credit Grade | Final Property Grade | Final Compliance Grade | Material (level 3) TRID exception? | Material (level 3) Non-TRID exception? | Active Material Exceptions | Active Non Material Exceptions | Satisfied Exceptions | Waived Exceptions | Compensating Factors | Property Type | Note Date | LTV | CLTV | Occupancy | Purpose | Credit Score | Brwr 1 Yrs in Property | Brwr 1 Occupation | Brwr 1 Yrs on Job | Total Monthly Income | Mortgage History | Cash Out Amount | DTI | FTHB Flag | Loan Doc Type | Loan Status | Review Date |
| 1 | XX | XX | XX | Pennsylvania | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 18.884% | 18.884% | Primary | Purchase | 791 | XX | 8.25 | $503,566.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
1.796% | No | Alternative | QC Complete | 07/30/2026 | ||||||||
| 4 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final Application Incomplete - EV R COMMENT: Provide a copy of updated Final 1003 application reflecting Asset Qualifier under Other Income Sources. 07/23/2026: Resolved. Updated 1003 not needed with income listed loan is an asset depletion *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated Deed of Trust excluding the Condominium Rider, as the property is a Single-Family Residence 07/23/2026: Resolved. Received LOE that property is a condo according to the legal description |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 748 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Yes | Alternative | QC Complete | 07/20/2026 | |||||||||||
| 5 | XX | XX | XX | Ohio | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 7.964% Allowed 7.690% Overby +0.274% This loan is compliant with regulation 1026.35 |
Single Family | 01/XX/2026 | 83.218% | 83.218% | Primary | Refinance | 755 | 0.08 | XX | 3.92 | $18,657.94 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
19.043% | Alternative | QC Complete | 02/12/2026 | |||||||
| 7 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 725 | XX | 5 | $14,574.96 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.165% | Yes | Alternative | QC Complete | 07/30/2026 | ||||||||
| 13 | XX | XX | XX | Indiana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated hazard insurance document for the property "XX" with premium amount reflecting on it. 07/22/2026: Countered. Policy provided is not for XX. Provide HOI policy for XX with premium amount listed. 07/28/206: Resolved. Received updated HOI |
Single Family | 06/XX/2026 | 62.181% | 62.181% | Primary | Refinance | 704 | 7.5 | XX | 16 | $252,797.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
9.339% | Alternative | QC Complete | 07/20/2026 | |||||||
| 14 | XX | XX | XX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of updated Title report for the mortgage clause which should reflect ISAO/ATIMA in the file. 08/06/2026 Resolved: The copy of title commitment resolves the condition. |
Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 803 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/20/2026 | |||||||||||
| 15 | XX | XX | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 70.755% | 70.755% | Investor | Refinance | 772 | XX | 2.25 | $23,005.84 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.932% | Alternative | QC Complete | 07/30/2026 | |||||||||
| 18 | XX | XX | XX | Kansas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Appraisal incomplete (missing map, layout, pages,
etc) - EV R COMMENT: Provide a copy of Finished photos of the Laundry area in appraisal report. 07/22/2026: Resolved. Appraisal is as is and fannie mae does not require pictures of the laundry area. |
Single Family | 06/XX/2026 | 73.113% | 73.113% | Investor | Cash Out | 726 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/20/2026 | |||||||||||
| 19 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 54.098% | 54.098% | Primary | Refinance | 666 | 0.66 | XX | 5.16 | $1,472.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.065% | Alternative | QC Complete | 07/30/2026 | ||||||||
| 20 | XX | XX | XX | South Dakota | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide supporting documentation (receipt or other evidence) for the subject property's HOA dues or other expenses in the amount of $1,335.65. 07/23/2026; Resolved. Received XX property tax calculator & estimator and loe of Refer to underwriter worksheet for monthly taxes of $1536.40 included in qualifying. Property is new construction. Taxes on title binder ($2409.08 / 12 = $200.75 monthly) unimproved land only and shown on property tax line below. Balance of $1335.65 combined with $200.75 = $1536.40 and are estimated after improved taxes used in qualifying. Refer to comments on 1008 for calculation of estimated taxes. Also attached is real estate tax calculator showing slightly higher ($135 monthly) taxes with negligible impact to DTI of 31%. |
Single Family | 06/XX/2026 | 70.000% | 70.000% | Primary | Refinance | 778 | 0.08 | XX | 2 | $15,666.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.406% | Full Documentation | QC Complete | 07/20/2026 | |||||||
| 21 | XX | XX | XX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Cash Out | 685 | 10.5 | XX | 8.33 | $6,574.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 49.283% | Alternative | QC Complete | 07/30/2026 | |||||||
| 23 | XX | XX | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 744 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Yes | DSCR | QC Complete | 07/30/2026 | ||||||||||||
| 26 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated title report for ISAOA/ATIMA clause, as it is currently missing 07/24/2026: Countered. A copy of the Title Report with ISAOA/ATIMA clause is still missing. 07/28/2026: Countered. Updated title is still needed with ISAOA/ATIMA clause 07/30/2026: Resolved. Received updated title *** (CURED) Required Documentation Missing - EV R COMMENT: Demand Feature check box is not updated on Page 4 of the Final CD and PCCD. Resolved 07/23/2026: Received updated Demand Feature check box Final CD and PCCD and exception is cleared. |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 786 | XX | 18.58 | $4,090.06 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.054% | No | Full Documentation | QC Complete | 09/29/2026 | |||||||
| 28 | XX | XX | XX | Idaho | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 50.472% | 50.472% | Investor | Cash Out | 756 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/30/2026 | ||||||||||||
| 32 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing flood cert - EV R COMMENT: Provide a copy of flood cert as it is missing. 08/05/2026: Resolved. Received flood cert |
Single Family | 07/XX/2026 | 58.250% | 58.250% | Primary | Cash Out | 756 | 3.33 | XX | 10.5 | $18,348.15 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 25.892% | Alternative | QC Complete | 07/30/2026 | ||||||
| 33 | XX | XX | XX | New Jersey | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide supporting documentation (such as a receipt, invoice, or other acceptable evidence) for the property taxes, insurance, or HOA fees for the property located at XX. 07/24/2026: Countered. If borrower does not own XX the property needs to be removed from the REO on the 1003. 07/29/2026: Resolved. Received updated 1003 with property removed as borrower no longer owns property |
Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 734 | XX | 9.42 | $567,997.53 | Mos Reviewed:24 Times 1X30:1 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
11.474% | No | Alternative | QC Complete | 07/20/2026 | |||||||
| 35 | XX | XX | XX | Tennessee | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of settlement statement for the sale of the property located at XX resulting in net proceeds of at least $XX. 07/24/2026: Resolved. Received CD |
PUD | 06/XX/2026 | 48.905% | 48.905% | Primary | Purchase | 792 | XX | 3.75 | $5,759.34 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.894% | No | Full Documentation | QC Complete | 07/20/2026 | |||||||
| 36 | XX | XX | XX | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a copy of government ID for the borrower as it is missing 08/07/2026; Resolved. Received ID |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Refinance | 817 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 07/30/2026 | ||||||||||||
| 37 | XX | XX | XX | North Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Replacement cost estimate. Amount of hazard insurance is not sufficient to cover the loan amount. 07/29/2026: Counter: The insurable value of the property i.e. the dwelling coverage($XX) is less than the loan amount of $XX. Also, as per the appraisal report, the replacement cost new is $XX. Thus, we would need a coverage of at least equal to 80% of replacement cost new. 08/05/2026 Resolved: Resolved as the letter indicates that the property is insured for 100% of its insurable value. |
PUD | 06/XX/2026 | 58.781% | 58.781% | Primary | Refinance | 769 | 0.58 | XX | 20.33 | $26,497.82 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.085% | Alternative | QC Complete | 07/20/2026 | |||||||
| 43 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The preliminary title report does not reflect the insured coverage amount of $XX. provide a copy of the title supplemental report that includes the ISAOA/ATIMA clause. 07/30/2026: Resolved. Received updated title *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the payoff statement for XX showing the monthly payment of $3,176.00 07/20/2026: Resolved. Debt was included in DTI |
3 Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 779 | XX | 18.92 | $71,388.64 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.303% | No | Alternative | QC Complete | 07/07/2026 | |||||||
| 44 | XX | XX | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 60.440% | 60.440% | Investor | Purchase | 806 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/30/2026 | ||||||||||||
| 45 | XX | XX | XX | Montana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated 1003, as the loan has been qualified with DSCR but 1003 reflects other income. 07/29/2026: Resolved. Received updated 1003 |
Single Family | 06/XX/2026 | 57.667% | 57.667% | Investor | Cash Out | 778 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/20/2026 | |||||||||||
| 53 | XX | XX | XX | Ohio | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.540% Allowed 8.070% Overby +1.470%. This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide proof documents for taxes, insurance, and HOA for the property address: XX, OH XX. 07/24/2026: Countered. Proof of taxes is still needed. 07/27/2026: Countered. Proof of taxes is still needed. Page 5 is supplemental consumer information form. 07/28/2026: Resolved. Taxes used are from the Drive report |
Single Family | 06/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 773 | XX | 6.33 | $10,737.80 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
18.298% | No | Alternative | QC Complete | 07/17/2026 | |||||||
| 54 | XX | XX | XX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 721 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/31/2026 | ||||||||||||
| 56 | XX | XX | XX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 732 | XX | 3.42 | $22,482.68 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.014% | Yes | Alternative | QC Complete | 07/30/2026 | ||||||||
| 59 | XX | XX | XX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 750 | XX | 16.5 | $14,906.96 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.852% | No | Full Documentation | QC Complete | 07/30/2026 | ||||||||
| 62 | XX | XX | XX | Nevada | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 67.600% | 67.600% | Primary | Purchase | 733 | XX | 8.25 | $145,939.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
14.201% | No | Alternative | QC Complete | 07/31/2026 | ||||||||
| 64 | XX | XX | XX | Maryland | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated title report that includes the required mortgagee clause (ISAOA/ATIMA), as it is missing from the title report currently in the file. 07/20/2026: Countered. The CPL does have the mortgage clause. However the mortgage clause is still required for the title comminment. Please provided updated title with mortgage clause. 07/29/2026; Resolved. Received title with mortgage clause |
PUD | 06/XX/2026 | 70.000% | 70.000% | Secondary | Purchase | 791 | XX | 36.41 | $83,179.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.044% | No | Full Documentation | QC Complete | 07/17/2026 | |||||||
| 66 | XX | XX | XX | Idaho | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 06/XX/2026 | 62.500% | 62.500% | Investor | Cash Out | 769 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/31/2026 | ||||||||||||
| 68 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Closing_Disclosure violations - EV R COMMENT: Final CD dated 06/22/2026 page 4 Demand feature check box is not marked, kindly provide updated PCCD with the demand feature updated. Resolved 07/23/2026: Received updated Demand Feature check box PCCD and exception is cleared. *** (CURED) Required Documentation Missing - EV R COMMENT: CPA letter reflects borrower ownership 100% on business income, however borrower bank statement reflects borrower name. Provide the supporting documents for borrower business income. 07/22/2026: Resolved. Personal bank statements are allowed for business income. Three months of business bank statements must be provided to document the qualifying business is an operating entity. If business bank statements cannot be provided to evidence a separate business account with operating activity, then the personal statements must follow the requirements of business bank statements |
PUD | 06/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 721 | XX | 8.66 | $13,219.77 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.047% | No | Alternative | QC Complete | 07/17/2026 | |||||||
| 82 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the evidence document receipt HOA fee for property ##XX., in the amount of $125.00, as it is missing. 07/28/2026: Resolved. Received HOA information |
High Rise Condo (>=9 Stories) | 06/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 796 | XX | 12.75 | $38,575.79 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.087% | No | Full Documentation | QC Complete | 07/17/2026 | |||||||
| 102 | XX | XX | XX | Oklahoma | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 772 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/31/2026 | ||||||||||||
| 106 | XX | XX | XX | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Transmittal (1008) is Missing - EV R COMMENT: Provide a copy of 1008 transmittal document as it is missing. 07/27/2026 Resolved : The condition has been resolved as 1008 is not required. |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 791 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/17/2026 | |||||||||||
| 110 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 770 | XX | 7.5 | $104,150.87 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
17.040% | Yes | Alternative | QC Complete | 07/31/2026 | ||||||||
| Dropped | XX | XX | XX | South Dakota | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 738 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/31/2026 | ||||||||||||
| 111 | XX | XX | XX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 738 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/31/2026 | ||||||||||||
| 112 | XX | XX | XX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 738 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/30/2026 | ||||||||||||
| 119 | XX | XX | XX | Minnesota | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 42.342% | 42.342% | Primary | Purchase | 806 | XX | 2.08 | $6,752.26 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.989% | No | Full Documentation | QC Complete | 07/31/2026 | ||||||||
| 127 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 796 | XX | 2.25 | $37,258.14 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
14.808% | No | Alternative | QC Complete | 07/31/2026 | ||||||||
| 131 | XX | XX | XX | Delaware | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 770 | XX | 14.08 | $50,652.45 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.096% | No | Full Documentation | QC Complete | 08/03/2026 | ||||||||
| 136 | XX | XX | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 783 | XX | 1 | $17,000.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.149% | No | Full Documentation | QC Complete | 08/03/2026 | ||||||||
| 138 | XX | XX | XX | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated title with mortgage clause. 08/07/2026: Resolved. Received updated title |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 812 | XX | 10.25 | $6,697.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.133% | No | Alternative | QC Complete | 08/03/2026 | |||||||
| 142 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 802 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/31/2026 | ||||||||||||
| 144 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 761 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/31/2026 | ||||||||||||
| 148 | XX | XX | XX | North Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a revised final 1003 Loan Application. In Property Information section, the property value is listed as $XX, which differs from the appraised property value of $XX shown in the appraisal report 08/11/2026: Resolved. Received updated 1003 |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 776 | XX | 4 | $61,459.83 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.956% | No | Alternative | QC Complete | 08/03/2026 | |||||||
| 154 | XX | XX | XX | Nevada | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 62.963% | 62.963% | Investor | Purchase | 778 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 08/03/2026 | ||||||||||||
| 156 | XX | XX | XX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 72.000% | 72.000% | Primary | Purchase | 709 | XX | 2.91 | $52,574.21 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.733% | No | Alternative | QC Complete | 08/03/2026 | ||||||||
| 426 | XX | XX | XX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Completed "Subject To" w/o Compltn Cert in
File - EV R COMMENT: Provide a completed Form 1004D (Appraisal Update/Completion Report). The appraisal report dated 06/XX/2026 indicates the property is "Subject To" completion of the following items: replacement of the window in Unit XX, installation of a door stop on the front door, repair or replacement of the bedroom doors, and compliance with Amanda's Law carbon monoxide detector requirements. 07/31/2026: Resolved. Received 1004D |
4 Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 754 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/28/2026 | |||||||||||
| 433 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 65.000% | 65.000% | Investor | Cash Out | 735 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/28/2026 | ||||||||||||
| 434 | XX | XX | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 07/28/2026: Resolved. Received Business Purpose certification |
Single Family | 06/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 800 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 06/17/2026 | |||||||||||
| 435 | XX | XX | XX | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: FICO scores are missing for co-borrower (XX). Provide a copy of updated credit report with scores. 07/27/2026: Resolved. Received updated credit report |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 787 | XX | 6.58 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/30/2026 | |||||||||
| 437 | XX | XX | XX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Cash reserves less than required by guidelines - EV
R COMMENT: The total verified assets of $66,767.88 are insufficient to meet the three-month reserve requirement. After reducing the cash-to-close amount of $59,187.41, the remaining assets total $7,580.47. 3 months reserve requirement need $7,799.11. Assets fall short by $218.64. Provide additional assets. 07/24/2026: Resolved. Received XX statement with additional assets. *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.742% Allowed 7.990% Overby +0.752% This loan is compliant with regulation 1026.35. *** (CURED) Missing Required Disclosures - EV R COMMENT: CPA (XX) validation is missing in the file. 07/24/2026: Resolved. Received CPA validation *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of supporting document for liabilities "XX" payment reflecting $154 and "XX" payment reflecting $84 07/24/2026: Resolved. Received credit supplement *** (CURED) Required Documentation Missing - EV R COMMENT: SSN income is available for both borrowers it is not reflecting in final 1003. Required correction of final 1003 with SSN income for B1 and B2. 07/24/2026: Resolved. Received updated 1003. |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 681 | XX | 4.75 | $6,225.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.698% | No | Alternative | QC Complete | 07/16/2026 | |||||||
| 438 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a copy of the updated final Hazard Insurance Mortgagee Clause (ISAOA/ATIMA), as it is missing. 07/31/2026: Resolved. REceived updated HOI *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated final 1003 document with other income as "$13,545.85" as it is missing. 7/31/2026: Resolved. Received updated 1003 |
Single Family | 07/XX/2026 | 23.536% | 23.536% | Primary | Refinance | 800 | 10 | $13,545.85 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.850% | Full Documentation | QC Complete | 07/14/2026 | |||||||||
| 440 | XX | XX | XX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception as borrower does not have 6 months seasoning for cash out. A copy of an exception approval letter is available in the loan file. |
FICO: 764 FICO exceeds the guideline requirement of 640. LTV: 46.69% LTV is less than the guideline requirement of 80.00%. DTI: 41.37% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | 07/XX/2026 | 46.692% | 46.692% | Primary | Cash Out | 764 | 0.25 | XX | 6.83 | $31,250.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 41.366% | Full Documentation | QC Complete | 07/31/2026 | |||||
| 446 | XX | XX | XX | Virginia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The title report reflects a coverage amount of $XX, which is less than the mortgage loan amount of $XX. Provide a Title Supplement confirming coverage for the full mortgage loan amount of $XX. 08/10/2026: Resolved. Received updated title *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide hazard Insurance for subject property with correct mortgagee clause and coverage amount to match loan amount or show 100% replacement cost. 08/10/2026: Countered. Will need declaration page with mortgagee clause and increased coverage. 08/11/2026: Resolved. Received updated HOI |
2 Family | 07/XX/2026 | 79.455% | 79.455% | Investor | Refinance | 742 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 07/31/2026 | ||||||||||||
| 447 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 35.654% | 35.654% | Primary | Refinance | 815 | 5 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 07/28/2026 | ||||||||||||
| 448 | XX | XX | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of lease agreement for the subject property as it is missing. 07/22/2026: Resolved. The transaction is a purchase. The appraiser has listed the current rent amounts on the rent schedule of the appraisal. |
2 Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 784 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/15/2026 | |||||||||||
| 449 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the driving license for borrower "XX" as it is missing. 07/23/2023: Resolved. Received ID |
Single Family | 07/XX/2026 | 58.537% | 58.537% | Primary | Cash Out | 765 | 23 | XX | 3.16 | $3,738.34 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 38.994% | Alternative | QC Complete | 07/15/2026 | ||||||
| 456 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 73.988% | 73.988% | Primary | Refinance | 736 | 1.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 07/31/2026 | ||||||||||||
| 457 | XX | XX | XX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated final 1003 document showing the Other Income source as Asset Depletion in the amount of $4,455.62, as it is currently missing. 07/29/2026: Resolved. Received updated 1003. |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 69.778% | 69.778% | Primary | Refinance | 796 | 2 | XX | 2.16 | $23,810.39 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.964% | Full Documentation | QC Complete | 07/15/2026 | |||||||
| 466 | XX | XX | XX | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.630% Allowed 8.030% Overby +0.600% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the Verification of Rent (VOR) for the property located at XX. 08/04/2026: Resolved. Received Resident ledger for payment history |
PUD | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 684 | XX | 5.5 | $59,221.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
9.310% | Yes | Alternative | QC Complete | 07/29/2026 | |||||||
| 467 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 701 | 22.5 | $19,792.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
46.729% | No | Alternative | QC Complete | 08/03/2026 | |||||||||
| 468 | XX | XX | XX | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the payoff statement for XX reflecting the monthly payment of $1,384.00. 07/29/2026: Resolved. Debt is not being paid off. Included in DTI *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated Flood Insurance policy with coverage effective through the loan closing date. The current policy expires on XX, which is prior to the scheduled closing date of 07/XX/2026. 07/28/2026: Resolved. Received updated flood insurance |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Secondary | Refinance | 704 | XX | 15.58 | $28,565.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.512% | Alternative | QC Complete | 07/15/2026 | ||||||||
| 469 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 754 | XX | 3.08 | $159,936.61 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
6.105% | Yes | Alternative | QC Complete | 08/03/2026 | ||||||||
| 472 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 47.000% | 47.000% | Investor | Cash Out | 755 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/22/2026 | ||||||||||||
| 477 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the corrected final 1003 to resolve the asset depletion income discrepancy, as the current final 1003 does not reflect the verified asset qualifier income amount of $9,808.00, which was used in the DTI calculations. 07/22/2026: Resolved. Received updated 1003 |
PUD | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 760 | XX | 9.16 | $19,640.77 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.758% | No | Full Documentation | QC Complete | 07/15/2026 | |||||||
| 478 | XX | XX | XX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 808 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/28/2026 | ||||||||||||
| 481 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Provide a copy of the Replacement Cost Estimator, as the Hazard insurance coverage of $XX is not covering the loan amount of $XX. 08/13/2026 Resolved : The copy of RCE resolves the condition. |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 759 | 2.08 | XX | 4.25 | $35,543.26 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 31.295% | Alternative | QC Complete | 06/30/2026 | ||||||
| 482 | XX | XX | XX | Idaho | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated Hazard Insurance Mortgagee Clause (ISAOA/ATIMA), as it is missing. 07/29/2026: Resolved. Received updated HOI *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of title supplement or updated title report with mortgage clause. 07/29/2026: Resolved. Received updated title |
Single Family | 06/XX/2026 | 77.778% | 77.778% | Investor | Purchase | 781 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/15/2026 | |||||||||||
| 484 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) The Appraisal License is Missing - EV R COMMENT: Provide a copy of the appraiser's current state license, as the license provided has expired. 08/06/2026: Resolved. The effective date of the appraisal 05/XX/2026 is prior to the expiration date of 06/XX/2026. |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Cash Out | 712 | 1.58 | XX | 10.16 | $13,881.35 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 49.122% | Alternative | QC Complete | 08/03/2026 | ||||||
| 487 | XX | XX | XX | Arizona | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an LOE stating that the property "XX" has no HOA fees. 07/24/2026: Resolved. Received evidence no HOA *** (CURED) VOM or VOR missing/required - EV R COMMENT: Provide a copy of VOM to verify the payment history of the subject property. 07/24/2026: Resolved. XX #XX\ is listed on the credit report through 05/26 with mortgage statement in file showing due for 06/01/2026. |
Single Family | 07/XX/2026 | 72.727% | 72.727% | Investor | Cash Out | 753 | XX | 15.58 | $7,753.55 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 28.945% | Full Documentation | QC Complete | 07/17/2026 | |||||||
| 489 | XX | XX | XX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 65.000% | 65.000% | Primary | Purchase | 783 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/28/2026 | ||||||||||||
| 491 | XX | XX | XX | Alaska | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The gift funds have been wired to the title company and are reflected on the final CD. However, the wire transaction is currently showing a pending status. Please advise if a final wire confirmation or proof of receipt from the title company. 08/05/2026 Resolved: The copy of receipt for deposit resolves the condition. *** (CURED) Required Documentation Missing - EV R COMMENT: Missing fully executed letter from business CPA confirming borrowers ownership percentage in the business and how long it has been in operation. 08/05/2026 Resolved: The copy of entity details resolves the condition. |
PUD | 07/XX/2026 | 74.194% | 74.194% | Primary | Purchase | 798 | XX | 12 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.375% | No | Alternative | QC Complete | 07/31/2026 | ||||||||
| 494 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | 07/XX/2026 | 70.000% | 70.000% | Investor | Refinance | 792 | $2,420.52 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.181% | Full Documentation | QC Complete | 08/03/2026 | |||||||||||
| 496 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Hazard insurance dwelling coverage of $XX is does not cover the loan amount $XX. Provide a copy of the replacement cost estimator or update the policy to cover the loan amount. 08/06/2026: Resolved. Received HOI with Replacement cost. |
2 Family | 06/XX/2026 | 79.633% | 79.633% | Investor | Cash Out | 777 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/15/2026 | |||||||||||
| 505 | XX | XX | XX | Arizona | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide Supporting documents to verify $130 for XX (Primary Residence). 07/29/2026: Countered. Received updated 1003 with HOA amount of 98.00 and XX document that does not show any fees. Will need proof of the amount of 98.00 listed on the 1003. 07/31/2026: Resolved. Received proof of HOA |
PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 751 | XX | 2.08 | $0.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
9.519% | No | Alternative | QC Complete | 07/15/2026 | |||||||
| 506 | XX | XX | XX | Connecticut | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Completed "Subject To" w/o Compltn Cert in
File - EV R COMMENT: Provide a completed Form 1004D (Appraisal Update/Completion Report), as the appraisal is made subject to repairs. The appraisal notes that the hot water tank in the basement appears to be leaking rust or grease and may have reached the end of its useful life. 08/06/2026: Resolved. Received loe and pictures from borrower showing work has been completed *** (CURED) The Appraisal License is Missing - EV R COMMENT: Missing appraisers license. 08/06/2026: Countered. A copy of the appraisers license is needed. 08/12/2026: Resolved. Received copy of license |
Single Family | 07/XX/2026 | 32.727% | 32.727% | Primary | Cash Out | 736 | 27 | XX | 29.08 | $287,733.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 2.476% | Alternative | QC Complete | 08/03/2026 | ||||||
| 508 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Refinance | 754 | 1.58 | XX | 10.08 | $84,918.80 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.875% | Alternative | QC Complete | 07/28/2026 | ||||||||
| 510 | XX | XX | XX | Delaware | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated final 1003 application reflecting the asset Qualifier under the other income sources section. 07/28/2026: Resolved. loan is asset qualifier. Updated 1003 is not needed. |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 784 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/21/2026 | |||||||||||
| 517 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated final 1003 document for the borrower "XX" with other income reflecting as "$47,827.43" . 08/04/2026: Resolved. Received updated 1003 |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 741 | $47,827.43 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.297% | No | Alternative | QC Complete | 07/14/2026 | |||||||||
| 518 | XX | XX | XX | Indiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 57.143% | 57.143% | Primary | Purchase | 774 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/29/2026 | ||||||||||||
| 519 | XX | XX | XX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 44.341% | 44.341% | Investor | Purchase | 768 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/31/2026 | ||||||||||||
| 520 | XX | XX | XX | Hawaii | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of the updated supplemental title report as the proposed insured title amount covering the loan amount of $XX. Resolved 2/9/2026 - Received title insured amount, condition resolved. |
Single Family | 01/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 820 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 02/02/2026 | |||||||||||
| 522 | XX | XX | XX | Georgia | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.258% Allowed 7.990% +Overby 0.268% This loan is compliant with regulation 1026.35. |
Single Family | 07/XX/2026 | 70.000% | 70.000% | Primary | Cash Out | 659 | 21.08 | XX | 28.5 | $8,056.70 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 47.165% | Alternative | QC Complete | 08/04/2026 | ||||||
| 525 | XX | XX | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 44.693% | 44.693% | Primary | Cash Out | 777 | 12 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 48.401% | Alternative | QC Complete | 07/28/2026 | ||||||||||
| 526 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test Failed - EV R COMMENT: TRID violation due to Appraisal Review fee Added on Revised LE dated 06/XX/2026. Initial LE dated 06/XX/2026 reflects Appraisal Review fee as $0.00 however, Final CD dated 07/XX/2026 reflects the Appraisal Review fee as $120.00. Require valid COC or cure amount of $120.00. Resolved 8/10/2026: Received Change of circumstance dated 06/29/2026 and exception is cleared. |
PUD | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 768 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/03/2026 | |||||||||||
| 527 | XX | XX | XX | Washington | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) More Credit Scores Needed for B1 - EV R COMMENT: Provide a copy of Credit reports for B1 (XX), as it is missing. 06/24/2026 Resolved: The copy of credit report resolves the condition. *** (CURED) More Credit Scores Needed for B2 - EV R COMMENT: Provide a copy of Credit reports for B2 (XX), as it is missing 06/24/2026 Resolved: The copy of credit report resolves the condition. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provided the initial 1003 that does reflecting these other income sources, Social Security and Retirement. Provide a copy of the corrected final 1003 for Borrower 3, 'XX', which does not reflect the income sources of Social Security amount of $2,354.90 and Retirement amount of $1,168.51. 06/24/2026 Counter: Provided application does not include SSA income and retirement in the section 1.e, income source. 07/27/2026: Resolved. Received updated 1003. |
Single Family | 06/XX/2026 | 48.305% | 48.305% | Primary | Cash Out | 772 | 8.08 | XX | 25.41 | $3,158.61 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 34.927% | Alternative | QC Complete | 06/17/2026 | ||||||
| 538 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 43.137% | 43.137% | Primary | Cash Out | 692 | 8 | XX | 6.58 | $3,533.86 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 35.699% | Alternative | QC Complete | 08/04/2026 | |||||||
| 539 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 747 | XX | 2.33 | $76,467.24 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
8.643% | Yes | Alternative | QC Complete | 08/03/2026 | ||||||||
| 543 | XX | XX | XX | Washington D.C. | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test Failed - EV R COMMENT: Missing Settlement Service Provider list. Resolved 08/07/2026: Received Settlement Service Provider List dated 05/XX/2026 and exception is cleared. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a supporting document to verify the stated HOA fee $1,385.00. 08/06/2026: Countered. The service provider list does not verify the HOA fee for $1385.00. Need proof of HOA fee for $1385.00 08/13/2026 Resolved : The copy of LOX resolves the condition. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Non Arms length -supporting documents for 12 months Rental history, as 2 months cannot be verified due to separate arrangements between landlord and Tenant. The borrower has been residing in the subject property as a tenant for the past two years and is now purchasing the property. A known relationship exists between the buyer and the seller. A copy of an exception approval letter is available in the loan file. |
FICO: 721 FICO exceeds the guideline requirement of 700. Reserves: The 9 months of available reserves are more than the guideline requirement of 3 months. LTV: 75.00% LTV is less than the guideline requirement of 85.00%. VOR confirms paid as agreed. |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 721 | XX | 14.5 | $21,863.06 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.566% | No | Alternative | QC Complete | 08/04/2026 | |||||
| 546 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of verification of mortgage (VOM) statement for the 'lead bank' account of #XX in the amount $2,643.00 as it is missing. 07/23/2026: Countered. The final 1003 shows REO XX with 2 mortgages. One with XX #XX and one with XX #XX. A VOM is needed for the XX #XX 07/31/2026: Resolved. Received a VOM |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 798 | XX | 14 | $68,332.98 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.576% | No | Alternative | QC Complete | 07/17/2026 | |||||||
| 547 | XX | XX | XX | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Lease Agreement for the property XX - Unit 2 XX, MD XX. 07/24/2026: Resolved. Received copy of lease *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of updated Hazard Insurance with correct Mortgage Clause as XX ISAOA/ATIMA. 07/24/2026: Resolved. Received updated HOI |
2 Family | 07/XX/2026 | 57.895% | 57.895% | Investor | Cash Out | 761 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/20/2026 | |||||||||||
| 551 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 52.608% | 52.608% | Primary | Purchase | 812 | $11,442.74 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
25.653% | Yes | Alternative | QC Complete | 08/03/2026 | ||||||||||
| 554 | XX | XX | XX | Colorado | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Loan does not conform to program guidelines - EV
R COMMENT: Cash Out is not permitted on Asset Qualifier. 08/14/2026: Resolved. Transaction is delayed financing which is considered a rate/term refi. |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 719 | 0.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | Alternative | QC Complete | 07/31/2026 | ||||||||||
| 556 | XX | XX | XX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Missing Condo questionnaire. 07/22/2026: Resolved. 1008 indicates project classification exempt from review, V condo project review waived. |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 55.000% | 55.000% | Investor | Cash Out | 750 | XX | 10.5 | $24,804.13 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 37.418% | Alternative | QC Complete | 09/30/2026 | |||||||
| 557 | XX | XX | XX | Wisconsin | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 789 | XX | 1.5 | $9,900.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.780% | No | Full Documentation | QC Complete | 07/30/2026 | ||||||||
| 560 | XX | XX | XX | Pennsylvania | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.385% Allowed 7.990% Overby +1.395% This loan is compliant with regulation 1026.35 *** (CURED) Property Issues indicated - EV R COMMENT: Provide a copy of the updated appraisal state license, as the current license has expired 07/29/2026: Resolved. Received updated license *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated title report for ISAOA clause, as it is currently missing from the file 07/29/2026: Resolved. Received updated title. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of Bank statement XX of the month February which is missing in the file 07/21/2026: Resolved. Received February bank statement. |
PUD | 06/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 730 | XX | 8.25 | $25,145.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.236% | Yes | Alternative | QC Complete | 07/14/2026 | |||||||
| 568 | XX | XX | XX | Arizona | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Missing payoff statement for XX XX account #XX with a monthly payment of $1,391.00 and XX XX account #XX with a monthly payment of $1,699.00. 08/07/2026: Resolved. Received payoff information from XX which are the same amounts as the XX debts. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: The subject property includes two (2) accessory dwelling units (ADUs). A copy of an exception approval letter is available in the loan file. |
FICO: 715 FICO exceeds the guideline requirement of 700. LTV: 75.00% LTV is less than the guideline requirement of 80.00%. Reserves: The 40 months of available reserves are more than the guideline requirement of 13 months. |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Cash Out | 715 | 3 | XX | 1.92 | $49,110.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 46.977% | Alternative | QC Complete | 07/28/2026 | ||||
| 570 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 77.297% | 77.297% | Investor | Refinance | 730 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 07/21/2026 | |||||||||||||
| 571 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 747 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/28/2026 | ||||||||||||
| 573 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing credit report - EV R COMMENT: Provide a copy of Credit Report. 08/05/2026 Resolved: The copy of credit report resolves the condition. *** (CURED) The Appraisal License is Missing - EV R COMMENT: Provide a copy of Appraisal License. 08/04/2026: Resolved. Received copy of appraisers license *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The property address on the Condo Questionnaire (XX does not match the subject property address (XX). Provide a corrected Condo Questionnaire or clarification confirming the applicable property address. 8/4/2026: Resolved. Received LOE stating the condo questionnaire covers the entire project not just the individual address. |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 798 | XX | 11.33 | $13,456.35 | Mos Reviewed: Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
30.009% | Yes | Full Documentation | QC Complete | 07/29/2026 | |||||||
| 575 | XX | XX | XX | Colorado | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The appraisal report (Form 1025) indicates the subject property is tenant-occupied; however, the operating income statement is not included. Please provide the current lease agreement to support the reported rental occupancy. 07/27/2026: Resolved. On a 1025 appraisal the rent schedule is listed on page 2 of the appraisal. |
2 Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 744 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/14/2026 | |||||||||||
| 576 | XX | XX | XX | Georgia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of updated Title Report to cover the loan amount $XX 08/06/2026: Resolved. Received updated title |
Single Family | 07/XX/2026 | 41.667% | 41.667% | Primary | Cash Out | 778 | 22.2 | XX | 16.33 | $4,648.74 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 39.560% | Alternative | QC Complete | 08/03/2026 | ||||||
| 578 | XX | XX | XX | Utah | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide complete signed federal income tax returns (Form 1040) for Borrower 1 and Borrower 2 to verify the taxable Social Security income. 08/04/2026: Resolved. Fannie Mae allows grossing up to 15% without getting additional information. |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 64.058% | 64.058% | Primary | Purchase | 801 | $13,200.14 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.781% | No | Alternative | QC Complete | 07/28/2026 | |||||||||
| 579 | XX | XX | XX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Title evidence - EV R COMMENT: Provide a copy of Title report as it is missing in the file 08/06/2026: Resolved. Received title |
3 Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 745 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/31/2026 | |||||||||||
| 580 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 777 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/31/2026 | ||||||||||||
| 581 | XX | XX | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 721 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/21/2026 | ||||||||||||
| 583 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 784 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/28/2026 | ||||||||||||
| 585 | XX | XX | XX | Louisiana | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.026% Allowed 8.020% Overby +0.006% This loan is compliant with regulation 1026.35. |
PUD | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 726 | XX | 16.66 | $9,447.81 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.639% | No | Alternative | QC Complete | 07/30/2026 | |||||||
| 588 | XX | XX | XX | Massachusetts | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide a copy of the updated appraisal report, including the front, rear, and street-view photos of the subject property, as it is missing. 07/17/2026: Countered. Still missing photos of the front, rear and street-view of subject property. 07/28/2026 Resolved: The copy of updated appraisal resolves the condition. *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV R COMMENT: Provide a copy of the Replacement cost Estimator, as the insurance coverage of $XX is not covering the loan amount of $XX. 07/28/2026: Resolved. Received RCE |
2 Family | 06/XX/2026 | 62.438% | 62.438% | Primary | Cash Out | 693 | 6 | XX | 9 | $17,537.71 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 28.463% | Alternative | QC Complete | 07/14/2026 | ||||||
| 590 | XX | XX | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a clear and legible copy of the borrower's (XX) driver's license or another acceptable form of identification, as the current copy is unclear and the ID details are not visible. 07/29/2026: Resolved. Received clear ID's |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 733 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/19/2026 | |||||||||||
| 591 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Provide a copy of the Replacement cost, as the insurance coverage of $XX is inadequate to fully cover the loan amount of $XX. 07/23/2026 Resolved: Resolved as per the FNMA guidelines. The hazard insurance policy coverage is for replacement-cost which is sufficient coverage for this loan. Coverage in the amount of the loan amount was not required. Note there is significant site value per the appraisal in the amount of XX. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of payoff letter for XX(XX) and XX (XX). 07/28/2026: Resolved. Debts are included in DTI |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 733 | XX | 12 | $51,669.82 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.587% | No | Alternative | QC Complete | 07/17/2026 | |||||||
| 592 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 78.769% | 78.769% | Investor | Refinance | 788 | XX | 12.5 | $55,426.35 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.024% | Alternative | QC Complete | 09/30/2026 | |||||||||
| 593 | XX | XX | XX | South Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated Condo project approval letter with lender warranties: Non-Warrantable. Out of XX units of condo , 97 units are rented. 08/03/2026: Countered. condo approval letter with " Non-Warrantable. Out of XX units of condo , 97 units are rented." is needed 08/10/2026: Resolved. Received Project approval letter. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 764 | XX | 5.75 | $9,630.51 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.156% | No | Full Documentation | QC Complete | 07/17/2026 | |||||||
| 595 | XX | XX | XX | Utah | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 709 | XX | 4.25 | $6,083.80 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.793% | Yes | Alternative | QC Complete | 07/28/2026 | ||||||||
| 596 | XX | XX | XX | Ohio | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: The borrower is a first-time homebuyer purchasing a primary residence. The borrower has been living rent-free with family for more than one year and, therefore, has no current housing payment. A copy of an exception approval letter is available in the loan file. |
LTV: 80.00% LTV is less than the guideline requirement of
85.00%. FICO: 745 FICO exceeds the guideline requirement of 700. DTI: 24.64% DTI is less than the maximum guideline requirement of 50.00%. |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 745 | XX | 0.66 | $5,833.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.640% | Yes | Full Documentation | QC Complete | 08/05/2026 | ||||||
| 597 | XX | XX | XX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 68.852% | 68.852% | Primary | Purchase | 795 | XX | 10.66 | $5,151.63 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
42.182% | No | Alternative | QC Complete | 08/03/2026 | ||||||||
| 598 | XX | XX | XX | Hawaii | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Incomplete or Data not
complete - EV R COMMENT: Provide an updated CDA with borrower name reflecting on it. 07/01/2026: Resolved. Received CDA *** (CURED) DTI > 50% - EV R COMMENT: Guideline maximum DTI is 50%. However, borrower monthly debt $9,006.32 and income is $16,840.28. DTI = $9,006.32/$16,840.28=53.48% is exceeding the maximum limit. 06/30/2026: Countered. Proof of XX income is needed. 07/09/2026: Proof of the XX income is still needed. 07/27/2026: Resolved. A 1007 was provided for the ADU. With 75% of the rent schedule income the DTI is 48.12 *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.320% Allowed 8.100% Overby +1.220% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of supporting document for gift amount $20,000 , only the gift letter is available. 06/24/2026: Resolved. Received gift letter and proof of wire. |
Single Family | 06/XX/2026 | 89.991% | 89.991% | Primary | Purchase | 749 | XX | 2.83 | $18,715.28 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
48.123% | Yes | Alternative | QC Complete | 06/22/2026 | |||||||
| 599 | XX | XX | XX | Colorado | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated final application for both the borrower with SSN income under other Income section on final application. 07/27/2026: Resolved. Received updated 1003. *** (CURED) Required Documentation Missing - EV R COMMENT: Missing initial application for borrower (XX). 07/23/2026; Resolved. Received 1003 |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 761 | 25.16 | $2,326.50 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 43.800% | Full Documentation | QC Complete | 07/15/2026 | ||||||||
| 602 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 07/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 741 | XX | 2.16 | $30,178.30 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.203% | Yes | Full Documentation | QC Complete | 07/22/2026 | ||||||||
| 603 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final Application Incomplete - EV R COMMENT: Missing updated final application with change in REO property address in section 3C from XX to XX. 07/14/2026: Resolved. Received updated 1003 *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Missing flood insurance policy with mortgagee clause. 07/14/2026:. Countered. Flood insurance needs to have mortgagee clause added. 07/23/2026 Resolved: Resolved based on fnma guidelines. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 758 | XX | 0.91 | $10,738.96 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.894% | No | Full Documentation | QC Complete | 09/30/2026 | |||||||
| 605 | XX | XX | XX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 753 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/28/2026 | ||||||||||||
| 606 | XX | XX | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of mortgage statement or supporting document for the property "XX" to verify the mortgage payment. 07/24/2026: Resolved. Received a copy of the CD showing the payments. |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 741 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/21/2026 | |||||||||||
| 607 | XX | XX | XX | Oklahoma | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.622% Allowed 8.020% Overby +0.602% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Please provide evidence of ownership and occupancy for the property located at XX. The 1003 indicates that the property is the borrower's primary residence, and the subject transaction is the purchase of a primary residence. 07/23/2026: Countered. The documentation provided is for XX. Provide evidence of ownership and occupancy for the property located at XX The 1003 indicates that the property is the borrower's primary residence, and the subject transaction is the purchase of a primary residence. 08/05/2026: Resolved. Received stmt from XX tax system showing borrower does not own XX *** (CURED) Required Documentation Missing - EV R COMMENT: The LOE provided for the proof of insurance, taxes, and HOA references the property address as XX. Please correct the address to XX. Additionally, provide the HOI policy reflecting the correct property address, XX, instead of XX. 07/23/2026; Resolved. Received LOE and HOI *** (CURED) State Higher Price Mortgage Loan - EV R COMMENT: The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the Oklahoma Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report. OK HOEPA Higher-Priced Mortgage Loan Test: Charged 8.622% Allowed 8.020% overby +0.602% This loan is compliant with regulation OK HOEPA. |
Single Family | 07/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 744 | XX | 4.5 | $22,597.84 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.615% | No | Alternative | QC Complete | 07/15/2026 | |||||||
| 609 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide supporting documentation for the hazard insurance and property taxes for the subject property located at XX. 08/04/2026: Resolved. Received copy of mortgage statement showing payment is PITI |
PUD | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 787 | XX | 3.75 | $31,904.11 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.123% | No | Alternative | QC Complete | 07/28/2026 | |||||||
| 610 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Hazard insurance dwelling coverage of $XX is does not cover the loan amount $XX. Provide a copy of the replacement cost estimator or update the policy to cover the loan amount. 7/9/2026: Countered. Will need a copy oof the endoresment structure reimbirsed extended coverage to determin what percentage of increased coverage is provided. 07/23/2026 Resolved : Resolved as the endorsement is available in the HOI. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated title report reflecting the subject property address, XX, as is it missing. 07/07/2026: Resolved. Received title |
Single Family | 06/XX/2026 | 55.556% | 55.556% | Primary | Cash Out | 790 | 29 | XX | 16.08 | $40,387.63 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 47.213% | Alternative | QC Complete | 07/01/2026 | ||||||
| 611 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 78.431% | 78.431% | Primary | Purchase | 707 | XX | 4.75 | $53,485.12 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.883% | No | Alternative | QC Complete | 07/29/2026 | ||||||||
| 612 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 776 | XX | 6.08 | $15,791.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.489% | No | Alternative | QC Complete | 07/28/2026 | ||||||||
| 614 | XX | XX | XX | Illinois | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test is Incomplete -
EV R COMMENT: Missing Initial Closing Disclosure. Resolved 8/12/2026: Received Initial Closing Disclosure dated 07/XX/2026 and exception is cleared |
High Rise Condo (>=9 Stories) | 07/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 721 | 1.08 | $56,441.31 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 33.975% | Alternative | QC Complete | 08/03/2026 | ||||||||
| 620 | XX | XX | XX | South Carolina | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of 2 months bank statement for the account 1)XX#XX. 2)XX#XX 07/24/2026: Countered. since the assets are in a trust the following will be needed; Funds disbursed from a trust are acceptable assets with a copy of the trust agreement or signed statement on letterhead from the trust manager or trustee that: Identifies the borrower as the beneficiary. Confirms that the borrower has access to all or certain specific amount of the funds; and Confirms that the trust has the assets to disburse funds to the borrower 07/29/2026: Resolved. Received copy of the trust document *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated Final 1003 reflecting Borrower 1's other income in the Other Income section. 07/24/2026: Resolved. Received updated 1003. |
PUD | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 727 | XX | 7.08 | $23,611.80 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.522% | No | Alternative | QC Complete | 07/15/2026 | |||||||
| 623 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 720 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 09/30/2026 | ||||||||||||
| 624 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 07/XX/2026 | 75.000% | 75.000% | Secondary | Purchase | 796 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 09/30/2026 | ||||||||||||
| 625 | XX | XX | XX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 63.366% | 63.366% | Investor | Cash Out | 766 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 09/30/2026 | ||||||||||||
| 626 | XX | XX | XX | New Jersey | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide an updated Title Report to cover the loan amount $XX 07/28/2026: Resolved. Received updated title. |
Single Family | 07/XX/2026 | 84.353% | 84.353% | Primary | Refinance | 738 | 0.42 | XX | 3.25 | $19,862.63 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.850% | Alternative | QC Complete | 07/20/2026 | |||||||
| 627 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 732 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 08/03/2026 | ||||||||||||
| 628 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX. 08/05/2026: Resolved. Received updated title |
PUD | 07/XX/2026 | 58.214% | 59.975% | Primary | Refinance | 763 | 8 | XX | 3.75 | $18,883.35 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.515% | Full Documentation | QC Complete | 07/30/2026 | |||||||
| 631 | XX | XX | XX | Illinois | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated final 1003 application reflecting the Asset Qualifier under Other Income Sources in the amount of $XX for the co-borrower 07/29/2026: Resolved. Received updated 1003 |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting an exception to allow 2 tradelines instead of 3 A copy of an exception approval letter is available in the loan file. |
DTI: 16.07% DTI is less than the maximum guideline requirement
of 50.00%. Reserves: The 867 months of available reserves are more than the guideline requirement of 3 months. Residual Income : $34,416.42 monthly |
PUD | 07/XX/2026 | 65.000% | 65.000% | Primary | Cash Out | 667 | 4.33 | $5.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 16.067% | Alternative | QC Complete | 07/21/2026 | ||||||
| 632 | XX | XX | XX | Arizona | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated title report with Lender name and mortgage clause. 08/03/2026: Resolved. Received updated title |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 791 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/28/2026 | |||||||||||
| 636 | XX | XX | XX | Nebraska | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Missing LoanScorecard. 08/05/2026: Resolved. Received Scorecard |
Single Family | 02/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 720 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/31/2026 | |||||||||||
| 637 | XX | XX | XX | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Missing updated master insurance policy with mortgagee clause, borrowers name and property address. 07/23/2026 Resolved : Resolved as per the fnma guidelines. *** (CURED) Required Documentation Missing - EV R COMMENT: The loan file includes both a Condominium Rider and a PUD Rider. Please provide documentation or clarification confirming the subject property is a condominium located within a master PUD, or revise the security instrument to accurately reflect the property's legal classification. 08/14/2026: Resolved. Received LOE stating: This letter of intent is to inform you that Mortgage for the referenced loan, (XX) will have mortgage re-recorded to remove the PUD Rider. |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 65.333% | 65.333% | Investor | Cash Out | 744 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 09/30/2026 | |||||||||||
| 638 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 755 | XX | 7.08 | $29,185.59 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.631% | No | Alternative | QC Complete | 07/28/2026 | ||||||||
| 639 | XX | XX | XX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.317% Allowed 8.020% Overby +0.297% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated hazard insurance with subject property unit number reflecting as "108-4". 07/27/2026: Resolved. Received LOE that address can have the - in the address with google search and USPS verification. |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 724 | XX | 2.42 | $16,480.14 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.395% | Yes | Alternative | QC Complete | 07/20/2026 | |||||||
| 642 | XX | XX | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 716 | XX | 17.16 | $12,138.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.497% | Yes | Alternative | QC Complete | 08/03/2026 | ||||||||
| 643 | XX | XX | XX | Michigan | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: This loan needs an SLE due to the borrower's business not being in existence for at least 2 years. A copy of an exception approval letter is available in the loan file. |
Reserves: The 58 months of available reserves are more than the
guideline requirement of 3 months. DTI: 26.41% DTI is less than the maximum guideline requirement of 50.00%. The $100,000 loan amount is lower than the minimum guideline requirement of $150,000.00. |
Single Family | 07/XX/2026 | 21.978% | 21.978% | Primary | Cash Out | 704 | 10.08 | XX | 1.5 | $10,165.73 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 26.408% | Alternative | QC Complete | 07/28/2026 | |||||
| 644 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 56.391% | 56.391% | Primary | Purchase | 802 | $25,849.22 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.737% | No | Full Documentation | QC Complete | 07/28/2026 | ||||||||||
| 645 | XX | XX | XX | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Business Purpose & Occupancy Affidavit -
EV R COMMENT: Provide a copy of Business Purpose Loan Certificate. 07/31/2026: Resolved. Received business purpose |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 749 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/29/2026 | |||||||||||
| 647 | XX | XX | XX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of lease agreement for the subject property. Addendum provided for the current rent per month, however active lease agreement required. 07/28/2026: Resolved. Transaction is a purchase. A copy of the lease is not required. |
4 Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 766 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/14/2026 | |||||||||||
| 648 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 86.193% | 86.193% | Investor | Refinance | 784 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 08/03/2026 | |||||||||||||
| 649 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Borrower is a first time home-buyer purchasing an investment property. A copy of an exception approval letter is available in the loan file. |
LTV: 80.00% LTV is less than the guideline requirement of
90.00%. DTI: 36.36% DTI is less than the maximum guideline requirement of 50.00%. Reserves: The 20 months of available reserves are more than the guideline requirement of 3 months. |
PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 752 | XX | 11.75 | $16,167.28 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.363% | Yes | Full Documentation | QC Complete | 07/29/2026 | ||||||
| 652 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The lender mortgage clause on the hazard insurance is different. Provide a corrected copy of the hazard insurance policy with the correct lender mortgagee clause. 07/30/2026 Resolved : The copy of Hazard policy with correct mortgagee clause resolves the condition. |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 704 | 3 | XX | 10.41 | $22,743.83 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 49.807% | Full Documentation | QC Complete | 07/29/2026 | ||||||
| 654 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 730 | 3.75 | XX | 12.5 | $93,201.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 19.274% | Alternative | QC Complete | 09/30/2026 | |||||||
| 655 | XX | XX | XX | California | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception request to use 1007 to calculate rental income on 2 newly completed units within 3 unit property SFR to 3 Units A copy of an exception approval letter is available in the loan file. |
Reserves: The 73 months of available reserves are more than the
guideline requirement of 3 months. LTV: 56.43% LTV is less than the guideline requirement of 85.00%. |
3 Family | 07/XX/2026 | 56.426% | 56.426% | Investor | Refinance | 699 | $6,976.01 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.608% | Alternative | QC Complete | 08/03/2026 | |||||||||
| 656 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 739 | XX | 8.08 | $57,334.53 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.973% | No | Alternative | QC Complete | 07/29/2026 | ||||||||
| 657 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 667 | XX | 12.25 | $24,747.91 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.289% | No | Alternative | QC Complete | 07/29/2026 | ||||||||
| 659 | XX | XX | XX | Tennessee | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Business purpose affidavit is missing 07/28/2026: Resolved. Received business purpose |
High Rise Condo (>=9 Stories) | 07/XX/2026 | 50.000% | 50.000% | Investor | Purchase | 798 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/30/2026 | |||||||||||
| 660 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of payoff statement for Installment account XX#XX excluded in DTI. 07/23/2026: Resolved. Received LOE stating the XX account was not paid off-it was documented as paid by joint owner. Uploaded 12-month history if payment by other party. *** (CURED) Required Documentation Missing - EV R COMMENT: Missing unexpired master policy. Master policy in file expired on 07/XX/2026. 07/28/2026: resolved. Received updated master policy |
Mid Rise Condo (5-8 Stories) | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 797 | XX | 10.5 | $7,057.41 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.413% | No | Full Documentation | QC Complete | 07/15/2026 | |||||||
| 661 | XX | XX | XX | Michigan | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated final 1003. SSN income and annuity income need to reflect under other Income. 07/24/2026: Resolved. Received updated 1003. |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 74.990% | 74.990% | Secondary | Purchase | 809 | $12,967.82 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.755% | No | Alternative | QC Complete | 07/14/2026 | |||||||||
| 664 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated addendum for purchase contract with purchase price $XX as it is missing. 07/27/2026: Resolved. Received updated contract addendum |
High Rise Condo (>=9 Stories) | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 801 | XX | 9.66 | $15,352.46 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.651% | No | Full Documentation | QC Complete | 07/14/2026 | |||||||
| 665 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide VVOE for borrower business "XX" as it is missing. 07/24/2026: Resolved. Received 3rd party verification of borrower business |
PUD | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 709 | XX | 10.75 | $103,688.83 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.694% | No | Alternative | QC Complete | 07/21/2026 | |||||||
| 667 | XX | XX | XX | South Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 781 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/24/2026 | ||||||||||||
| 668 | XX | XX | XX | Georgia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated final 1003 for Borrower 2. The asset depletion income should be reflected under Other Income on the final 1003. 07/22/2026: Resolved. Received updated 1003. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide the two most recent bank statements for the XX account ending in XX. The guidelines require two months of bank statements. We currently have the statement dated 04/XX/2026. 07/22/2026; Resolved. Received LOE stating XX #XX account was opened in April 2026. No activity or history availsble prior to 04/XX/2026. On page 3 of the 04/30 statement, funds held in the XX account (verified with 03/31 statement) have been transfered to XX. This has also been confirmed by XX. |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 801 | XX | 8.75 | $13,041.53 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.677% | Yes | Alternative | QC Complete | 07/10/2026 | |||||||
| 670 | XX | XX | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 765 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 08/03/2026 | ||||||||||||
| 672 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 89.900% | 89.900% | Primary | Purchase | 793 | XX | 4.33 | $17,860.91 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.670% | No | Alternative | QC Complete | 07/29/2026 | ||||||||
| 674 | XX | XX | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 751 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/29/2026 | ||||||||||||
| 675 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 65.000% | 65.000% | Primary | Cash Out | 648 | 0.33 | XX | 0.25 | $10,823.71 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 41.593% | Full Documentation | QC Complete | 08/04/2026 | |||||||
| 677 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Provide a copy of the Replacement Cost Estimator (RCE) to support that the dwelling coverage amount of $XX is adequate to cover the replacement cost of the subject property's improvements. 8/7/2026: Resolved. Received HOI with coverage $XX |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 782 | XX | 13.5 | $16,748.44 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.023% | No | Alternative | QC Complete | 08/03/2026 | |||||||
| 678 | XX | XX | XX | Connecticut | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R XX $4,398 07/22/2026: Resolved. Received proof of zero balance. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception for FTHB living rent free with no prior housing payment. A copy of an exception approval letter is available in the loan file. |
FICO: 729 FICO exceeds the guideline requirement of 720. Residual Income : $11,788.03 monthly DTI: 26.98% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 729 | XX | 5.25 | $16,144.00 | Mos Reviewed: Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
26.982% | Yes | Alternative | QC Complete | 07/15/2026 | |||||
| 684 | XX | XX | XX | Minnesota | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 817 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 08/03/2026 | ||||||||||||
| 687 | XX | XX | XX | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The Appraisal reflecting occupant as tenant. Provide lease agreement for the subject property address. 08/12/2026: Resolved. Received notice of change of ownership and Notice of Terminantion of Month to Month Tenancy |
Single Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 740 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 08/03/2026 | |||||||||||
| 688 | XX | XX | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/29/2026 | ||||||||||||
| 689 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount. 7/17/2026: Resolved. Received updated title. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The current address, XX, does not cover the full 2-year housing history. Provide a updated 1003 documentation for former address to cover the required 2-year housing history along with rent-free letter for property XX, as it is missing. 07/21/2026: Countered. Missing the rent free letter. 07/28/2026: borrower is not a FTHB no rent free letter is needed. |
Single Family | 06/XX/2026 | 69.990% | 69.990% | Investor | Cash Out | 771 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/13/2026 | |||||||||||
| 690 | XX | XX | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 784 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/29/2026 | ||||||||||||
| 694 | XX | XX | XX | Tennessee | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.203% Allowed 7.990% Overby +0.213% This loan is compliant with regulation 1026.35. *** (CURED) Loan does not conform to program guidelines - EV R COMMENT: The credit report does not meet the guideline requirement of a minimum of three tradelines, each reported for at least 12 months. 8/4/2026: Countered: A minimun of Two (2) tradelines are acceptable if the borrower has a satisfactory mortgage rating for at least twelve (12) months (opened or closed) within the most recent twenty-four (24) months, and One (1) additional open tradeline for no less than 12 months 08/06/2026 Countered: Credit report reflects only two tradelines. The guidelines cited in the LOE require minimum three tradelines for non-traditional credit. 08/14/2026: Resolved. Using Rental housing payment history as additional tradeline |
Single Family | 07/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 738 | 2.5 | $15,313.97 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Verification of Rent |
32.942% | Yes | Alternative | QC Complete | 07/29/2026 | ||||||||
| 695 | XX | XX | XX | Minnesota | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: The driver's license on file for borrower XX has expired. Provide an updated, valid driver's license. 07/22/2026: Resolved. Received updated ID's *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV R COMMENT: Dwelling amount $XX is not sufficient to cover loan amount $XX. Provide a copy of the replacement cost estimator to cover the loan amount. 07/23/2026 Resolved: Resolved as per the fnma guidelines. The hazard insurance policy coverage is for replacement-cost which is sufficient coverage for this loan. Coverage in the amount of the loan amount was not required. Note there is significant site value per the appraisal in the amount of $XX |
PUD | 07/XX/2026 | 79.661% | 79.661% | Secondary | Purchase | 793 | XX | 5.25 | $41,832.99 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.067% | No | Alternative | QC Complete | 07/14/2026 | |||||||
| 696 | XX | XX | XX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 08/06/2026: Resolved. Received Borrower business purpose certification |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Refinance | 779 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
DSCR | QC Complete | 08/03/2026 | ||||||||||||
| 697 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 67.320% | 67.320% | Primary | Purchase | 761 | XX | 0.08 | $10,951.64 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.371% | No | Full Documentation | QC Complete | 07/29/2026 | ||||||||
| 702 | XX | XX | XX | Maryland | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide a copy of the appraisal state license, as it is currently missing 07/24/2026: Resolved. Received appraisers license *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the missing July 2025 statement for the account XX. 07/24/2026: Resolved. Received June 2025 statement. |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 726 | XX | 6.92 | $23,002.43 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.586% | Yes | Alternative | QC Complete | 07/21/2026 | |||||||
| 704 | XX | XX | XX | California | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: SLE exception requested.Subject has >=2 ADUs. A copy of an exception approval letter is available in the loan file. |
FICO: 763 exceeds the minimum FICO requirement of 720. LTV: 75.00% is lower than the maximum guideline requirement of 80.00%. DTI: 24.816% is lower than the maximum guideline requirement of 50.00%. |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 763 | XX | 3 | $122,274.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.817% | No | Alternative | QC Complete | 09/29/2026 | ||||||
| 706 | XX | XX | XX | Montana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Quality of Appraisal Report Unacceptable - EV R COMMENT: XX Provide a copy of appraisal license, as it is missing 07/31/2026: Resolved. Received current license |
PUD | 07/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 797 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 07/21/2026 | |||||||||||
| 707 | XX | XX | XX | Oregon | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 79.111% | 79.111% | Primary | Refinance | 752 | 1.66 | XX | 4.42 | $41,653.50 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.083% | Alternative | QC Complete | 07/31/2026 | ||||||||
| 708 | XX | XX | XX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 70.000% | 70.000% | Primary | Purchase | 814 | XX | 3.58 | $21,924.45 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.889% | No | Alternative | QC Complete | 07/22/2026 | ||||||||
| 712 | XX | XX | XX | Minnesota | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 711 | XX | 3.08 | $17,317.10 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.047% | No | Alternative | QC Complete | 07/29/2026 | ||||||||
| 715 | XX | XX | XX | Alabama | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.296% Allowed 8.020% Overby +0.276% This loan is compliant with regulation 1026.35. *** (CURED) Loan does not conform to program guidelines - EV R COMMENT: As per guideline minimum tradeline requirement is 3 however credit report reflecting 1 tradeline. 07/27/2026: Resolve. Received. Credit supplement with 2 additional non-traditional tradeline. |
Single Family | 07/XX/2026 | 89.999% | 89.999% | Primary | Purchase | 722 | XX | 2.25 | $14,578.55 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
12.785% | No | Alternative | QC Complete | 07/21/2026 | |||||||
| 717 | XX | XX | XX | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX. 07/31/2026; Resolved. Received updated title *** (CURED) Final Application Incomplete - EV R COMMENT: Provide an updated Final 1003 reflecting the asset depletion, Social Security (SSA), and pension income under the Other Income section. 07/31/2026: Resolved. Received updated 1003 |
PUD | 07/XX/2026 | 64.713% | 64.713% | Primary | Refinance | 775 | 2 | $1,594.80 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.525% | Alternative | QC Complete | 07/29/2026 | |||||||||
| 719 | XX | XX | XX | New Mexico | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated final 1003 document with other income source as $2,319.80 as it is missing. 07/24/2026: Resolved. Received updated 1003. |
PUD | 06/XX/2026 | 43.421% | 43.421% | Secondary | Cash Out | 750 | XX | 50.41 | $18,809.63 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 38.723% | Alternative | QC Complete | 07/16/2026 | |||||||
| 720 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of assets for $4899.88 to cover the required reserves as it is missing. 07/24/2026: Countered. Additional assets are needed in the amount of $4899.88 to cover the reserve requirement. 07/28/2026: Resolved. Reserves are not required for rate term refinance transactions if the following are met: Loan amount is < $1,500,000 Primary residence or second home Mortgage history is 0x30x12 on all mortgages Must have a full 12-month payment history making current housing payment Subject property housing payment is decreasing Borrower does not have a prior bankruptcy, foreclosure, short sale, DIL, pre-foreclosure, or mortgage charge-off |
Single Family | 07/XX/2026 | 27.391% | 27.391% | Primary | Refinance | 808 | 3 | XX | 21.5 | $27,136.46 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
13.878% | Alternative | QC Complete | 07/16/2026 | |||||||
| 722 | XX | XX | XX | Wisconsin | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Coverage amount $XX on the title report is less than the mortgage loan amount of $XX. Provide a copy of Title Supplement to cover the loan amount. 07/02/2026: Resolved. Received updated title. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Gift letter with amount $73,000.00 is missing the XX and Borrower signatures. Provide an updated one. 07/13/2026: Resolved. Received gift letter *** (CURED) Required Documentation Missing - EV R COMMENT: Final 1003 correction required for gift funds to reflect as $73,000.00. As we received wire transfer for $73,000.00 , final CD also confirms it. 08/07/2026: Countered. 1003 provided does not have the gift of $73,000.00 listed. Please provide an updated 1003 with the gift funds of $73,000.00 that is listed on the final CD. 08/11/2026: Resolved. Received 1003 with gift listed |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 762 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:90 Verification Type:Credit Report |
No | DSCR | QC Complete | 06/22/2026 | |||||||||||
| 723 | XX | XX | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Primary | Cash Out | 787 | 10 | XX | 13.58 | $33,497.70 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 40.140% | Alternative | QC Complete | 07/22/2026 | |||||||
| 724 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of updated Title supplement to cover the loan amount $XX. 07/22/2026: Resolved. Received updated title |
Single Family | 07/XX/2026 | 64.865% | 64.865% | Primary | Purchase | 706 | XX | 0.08 | $36,250.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.514% | Yes | Full Documentation | QC Complete | 07/15/2026 | |||||||
| 725 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 65.000% | 65.000% | Investor | Cash Out | 714 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/24/2026 | ||||||||||||
| 727 | XX | XX | XX | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Excessive DTI - EV R COMMENT: Provide documentation to support the correct monthly payment for XX. The credit report reflects a payment of $791, while the application reflects $179.23. Update the qualifying liabilities accordingly. With the correct monthly payment of $791, the borrower’s DTI ratio increases to 50.70%, which exceeds the maximum allowable qualifying ratio of 50% per XX guidelines. 07/24/2026: Countered. Documents provided do not show the correct payment for Citi. Documentation is still needed for proof of payment of $179.23 07/29/2026: Resolved. Received updated 1003, 1008 and income calculations to include asset depletion to get DTI to 49.98 *** (CURED) Final Application Incomplete - EV R COMMENT: Provide an updated final application reflecting Social Security (SSA) income of $2,367.70 under the other income section. 07/24/2026: Resolved. Received updated 1003. *** (CURED) Required Documentation Missing - EV R COMMENT: Missing documentation evidencing the donor's (XX) source of funds for the $30,000.00 gift. 07/24/2026: Resolved. Received bank statement showing deposit from XX |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 742 | XX | 12 | $11,540.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.981% | No | Full Documentation | QC Complete | 09/30/2026 | |||||||
| 728 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 62.880% | 62.880% | Primary | Refinance | 734 | 1 | XX | 28.16 | $58,781.58 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.443% | Full Documentation | QC Complete | 07/29/2026 | ||||||||
| 729 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final Application Incomplete - EV R COMMENT: Provide an updated Final Application reflecting the Asset Qualifier income under the Other Income section. 07/24/2026: Resolved. Loan is asset qualifier. Income does not have to be listed on 1003 *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated Master Hazard Insurance Policy that includes the required mortgagee clause (ISAOA/ATIMA), or documentation evidencing the mortgagee clause 07/23/2026 Resolved: Resolved as per the fnma guidelines. *** (CURED) Required Documentation Missing - EV R COMMENT: Missing condo questionnaire. 07/22/2026: Resolved. 1008 indicates project classification exempt from review, V condo project review waived. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 73.684% | 73.684% | Primary | Purchase | 793 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Yes | Alternative | QC Complete | 07/17/2026 | |||||||||||
| 730 | XX | XX | XX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | 07/XX/2026 | 55.677% | 55.677% | Investor | Cash Out | 803 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 08/04/2026 | ||||||||||||
| 733 | XX | XX | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 39.194% | 39.194% | Investor | Cash Out | 762 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 08/04/2026 | ||||||||||||
| 735 | XX | XX | XX | South Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Assets are not sufficient to close - EV R COMMENT: Provide a copy of bank statement for XX#XX to cover insufficient asset. 07/30/2026: Resolved. Received bank statement. *** (CURED) Completed "Subject To" w/o Compltn Cert in File - EV R COMMENT: Provide a copy of 1004D for the subject property as the appraisal is reflecting "Subject to repairs and alterations". 07/29/2026: Resolved. Received pictures of completed work with invoice and copy of check *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a copy of VVOE for the borrower business "XX" as it is missing. 07/29/2026: Resolved. Received VVOE *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of CPA letter or operating agreement to confirm the ownership of borrower business "XX". 07/29/2026: Resolved. Received CPA letter stating 100% ownership *** (CURED) Required Documentation Missing - EV R COMMENT: 24 months bank statements are missing in the file to calculate the stated income. Provide bank statements from June 2024 to May 2026 for the account XX #XX. 07/30/2026: Countered. Still missing bank statement for XX #XX 6/2025,7/2025,8/2025, 9/2025, 10/2025, 11/2025 07/31/2026: Resolved. Received bank statements. |
Single Family | 07/XX/2026 | 72.749% | 72.749% | Primary | Refinance | 767 | 1.25 | XX | 5.75 | $11,672.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.938% | Alternative | QC Complete | 07/16/2026 | |||||||
| 736 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated hazard insurance policy reflecting the ISAOA/ATIMA mortgagee clause naming XX as the mortgagee/lender loss payee. 08/11/2026: Resolved. Received updated HOI |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 787 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.445% | No | Alternative | QC Complete | 07/29/2026 | ||||||||||
| 737 | XX | XX | XX | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.360% Allowed 7.990% Overby +1.370% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the fully executed purchase agreement addendum reflecting the revised purchase price. 08/05/2026: Resolved. Received purchase contact. *** (CURED) State Higher Price Mortgage Loan - EV R COMMENT: (CA AB 260, California Financial Code Division 1.9 4995(a)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. CA AB 260 Higher-Priced Mortgage Loan Test: Charged 9.360% Allowed 7.990% Overby +1.370% This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |
PUD | 07/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 738 | XX | 19.5 | $30,513.73 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.119% | No | Alternative | QC Complete | 07/29/2026 | |||||||
| 741 | XX | XX | XX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: FAIL 8.264% 8.020% +0.244% This loan is compliant with regulation 1026.35. |
PUD | 07/XX/2026 | 69.380% | 69.380% | Primary | Cash Out | 645 | 1.83 | $10,583.24 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 48.792% | Alternative | QC Complete | 08/04/2026 | ||||||||
| 742 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Amount of title insurance is not sufficient to cover the loan amount of $XX. Provide a copy of title supplemental report. 07/31/2026: Resolved. Received updated title. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: 4th page of the note document is missing. Provide document including all pages. 07/29/2026: Resolved. Received all pages of Note |
PUD | 07/XX/2026 | 79.408% | 79.408% | Primary | Purchase | 727 | XX | 13.16 | $7,593.09 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.853% | Yes | Alternative | QC Complete | 07/24/2026 | |||||||
| 743 | XX | XX | XX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 777 | XX | 6.25 | $9,458.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.536% | No | Alternative | QC Complete | 08/05/2026 | ||||||||
| 748 | XX | XX | XX | Montana | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 9.340% Allowed 9.100% Overby+0.240% This loan is compliant with regulation 1026.35. *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV R COMMENT: Dwelling amount is not sufficient to cover loan amount, provide a copy of replacement cost estimator 07/15/2026: Countered. coverage amount needs to be $XX 07/23/2026 Resolved : The copy of letter with coverage RCE resolves the condition. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of government ID for the borrower (XX) as it is missing. 07/14/2026: Resolved. Received ID *** (CURED) Required Documentation Missing - EV R COMMENT: Provide copy of mortgage statements for XX and XX as it is missing. 07/09/2026: Resolved. Received loe stating no mortgage statements were available. Taxes and Insurance were included in the total payment. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: The subject property is a barndominium, which is an ineligible property type under the XX guidelines. A copy of an exception approval letter is available in the loan file. |
FICO: 729 FICO exceeds the guideline requirement of 700. DTI: 22.75% DTI is less than the maximum guideline requirement of 50.00%. Reserves: The 14 months of available reserves are more than the guideline requirement of 3 months. |
Single Family | 06/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 729 | XX | 5.42 | $78,816.61 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.751% | No | Alternative | QC Complete | 07/02/2026 | |||||
| 751 | XX | XX | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 789 | XX | 16.75 | $128,955.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
6.218% | No | Alternative | QC Complete | 08/04/2026 | ||||||||
| 753 | XX | XX | XX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 815 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 08/03/2026 | ||||||||||||
| 759 | XX | XX | XX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 68.750% | 68.750% | Primary | Purchase | 801 | XX | 8.08 | $2,315.57 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.694% | No | Full Documentation | QC Complete | 08/04/2026 | ||||||||
| 761 | XX | XX | XX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 762 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 08/04/2026 | ||||||||||||
| 762 | XX | XX | XX | New Jersey | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of supporting document for other amount of $262.45 taken for PITIA calculation.07/22/2026: Resolved. Received Solar contract. |
Single Family | 06/XX/2026 | 77.966% | 77.966% | Primary | Refinance | 811 | 0.08 | XX | 3.16 | $13,226.91 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.718% | Alternative | QC Complete | 07/16/2026 | |||||||
| 763 | XX | XX | XX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 68.254% | 68.254% | Primary | Purchase | 763 | XX | 10.58 | $113,850.24 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
3.767% | Yes | Alternative | QC Complete | 07/31/2026 | ||||||||
| 764 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated final 1003 for the borrower, XX, reflecting the retirement income under the Other Income section. 07/24/2026: Resolved. Received updated 1003. |
Low Rise Condo (1-4 Stories) | 06/XX/2026 | 80.000% | 80.000% | Secondary | Purchase | 776 | $8,706.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.654% | No | Full Documentation | QC Complete | 07/16/2026 | |||||||||
| 766 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of the title supplement report reflecting coverage for the loan amount of $XX. 08/12/2026: Resolved. Received updated title *** (CURED) Hazard Insurance - EV R COMMENT: Provide an updated hazard insurance policy or endorsement reflecting the required ISAOA/ATIMA mortgagee clause. The policy must be effective on or before the loan closing date of 07/XX/2026. The current policy effective date of 08/XX/2026 is not acceptable. 08/14/2026: Resolved. Received HOI with dates from XX-XX. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide supporting documentation for the $XX disbursement to the exiting co-borrower (XX) reflected on the Final Closing Disclosure, including any applicable equity buyout agreement, executed deed transferring ownership interest, or other documentation supporting the payoff amount. 08/04/2026: Resolved. Received a copy of the Escrow instruction Title Transfer Adajacent to Loan Escrow *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the two most recent monthly bank statements for XX #XX & XX #XX. 08/06/2026: Resolved. Received 2 months bank statements |
PUD | 07/XX/2026 | 80.000% | 80.000% | Primary | Refinance | 743 | 2.5 | XX | 4.92 | $21,823.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.594% | Alternative | QC Complete | 07/30/2026 | |||||||
| 769 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide supporting documentation for the HELOC account (XX ending in XX) evidencing the required monthly payment amount of $2,418.00. 08/04/2026: Received HELOC agreement and payment calculations |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 789 | XX | 29.66 | $29,222.45 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.936% | No | Full Documentation | QC Complete | 07/29/2026 | |||||||
| 772 | XX | XX | XX | Oregon | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 68.549% | 68.549% | Primary | Purchase | 788 | XX | 3.33 | $13,108.91 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.919% | Yes | Alternative | QC Complete | 07/29/2026 | ||||||||
| 776 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 723 | XX | 2.66 | $117,902.95 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
8.786% | No | Alternative | QC Complete | 08/05/2026 | ||||||||
| 779 | XX | XX | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 728 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 08/04/2026 | ||||||||||||
| 784 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 728 | 22.08 | XX | 24.16 | $27,792.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 7.806% | Alternative | QC Complete | 07/29/2026 | |||||||
| 785 | XX | XX | XX | Colorado | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide a copy of business bank statements of XX checkin #XX for the month ending 05/31/2025 as it is missing in the file 07/24/2026: Resolved. Received 05/31/2025 bank statement |
Low Rise Condo (1-4 Stories) | 07/XX/2026 | 57.447% | 57.447% | Secondary | Cash Out | 760 | XX | 6.58 | $25,890.09 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 40.630% | Alternative | QC Complete | 07/16/2026 | |||||||
| 786 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Business Purpose & Occupancy Affidavit -
EV R COMMENT: Provide a copy of Business Purpose Loan Certificate. 07/29/2026: Resolved. Received business purpose & occupancy affidavit *** (CURED) Final Application Incomplete - EV R COMMENT: Provide a copy of updated Final Application reflecting Asset Qualifier on the Other Income Sources. 08/03/2026: Resolved. Received updated 1003 |
Single Family | 06/XX/2026 | 26.116% | 26.116% | Investor | Refinance | 766 | XX | 41.25 | $25,741.43 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.405% | Full Documentation | QC Complete | 07/21/2026 | ||||||||
| 790 | XX | XX | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Investor | Refinance | 727 | XX | 8.66 | $129,454.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.195% | Alternative | QC Complete | 07/30/2026 | |||||||||
| 792 | XX | XX | XX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of title report with Schedule A and Schedule B. 07/30/2026: Resolved. Received updated title |
High Rise Condo (>=9 Stories) | 07/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 796 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/21/2026 | |||||||||||
| 795 | XX | XX | XX | Michigan | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Missing proof of ID for borrower XX 08/05/2026: Resolved. Received ID |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception is for waiving the second appraisal required due to >20% increase in property value within the past 12 months on a cash out refi. A copy of an exception approval letter is available in the loan file. |
FICO: 789 FICO exceeds the guideline requirement of 680. LTV: 70.51% LTV is less than the guideline requirement of 75.00% DTI: 40.87% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | 07/XX/2026 | 70.513% | 70.513% | Primary | Cash Out | 789 | 0.66 | XX | 21.5 | $14,992.27 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 40.871% | Alternative | QC Complete | 07/29/2026 | ||||
| 796 | XX | XX | XX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 44.444% | 44.444% | Primary | Cash Out | 706 | 21 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 12.718% | Alternative | QC Complete | 08/04/2026 | ||||||||||
| 799 | XX | XX | XX | New Hampshire | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 676 | XX | 12.42 | $46,212.02 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.982% | No | Alternative | QC Complete | 07/29/2026 | ||||||||
| 800 | XX | XX | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: The borrower's government-issued identification is not legible, as the ID number cannot be clearly read. Provide a clear and legible copy of the borrower's driver's license for verification. 08/03/2026: Resolved. Received copy of passport |
2 Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 784 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/29/2026 | |||||||||||
| 804 | XX | XX | XX | Louisiana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide supporting documentation for the HOA dues, property taxes, and hazard insurance for the subject property located at XX 08/03/2026: Countered. HOA, Taxes and Insurance needed is for property located at XX 08/06/2026: Resolved. Received HOA and mortgage stmt showing PITI |
PUD | 07/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 753 | 19.75 | XX | 12.25 | $17,972.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 47.153% | Alternative | QC Complete | 07/29/2026 | ||||||
| 806 | XX | XX | XX | Delaware | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 763 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/30/2026 | ||||||||||||
| 807 | XX | XX | XX | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a LOE for final 1003 reflecting current address showing "no primary expenses - XX".But, the REO section has a "primary residence - XX" 7/29/2026; Resolved. Received LOE |
Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 787 | 2 | XX | 6.42 | $52,051.24 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 29.025% | Alternative | QC Complete | 07/16/2026 | ||||||
| 810 | XX | XX | XX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 814 | $5,234.63 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.065% | No | Alternative | QC Complete | 08/04/2026 | ||||||||||
| 811 | XX | XX | XX | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of purchase addendum with $XX as the purchase price on the purchase contract $XX differs from the purchase price shown on all other closing documents. 07/28/2026: Resolved. Received contract addendum |
PUD | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 742 | XX | 7.91 | $14,582.01 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.251% | Yes | Alternative | QC Complete | 07/21/2026 | |||||||
| 814 | XX | XX | XX | Georgia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated final 1003. The asset depletion income must be listed under Other Income on the final 1003 08/03/2026: Resolved. Received updated 1003 |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 786 | XX | 11.5 | $8,855.27 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.038% | No | Full Documentation | QC Complete | 07/15/2026 | |||||||
| 817 | XX | XX | XX | New Jersey | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount XX. 8/7/2026; Resolved. Received updated title |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Cash Out | 717 | 0.75 | XX | 17.58 | $31,372.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 33.005% | Alternative | QC Complete | 08/04/2026 | ||||||
| 818 | XX | XX | XX | Michigan | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a copy of updated government ID as the current one has been expired on 07-XX-2025 08/03/2026: Resolved. Received updated ID |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting exception for a loan amount of $93,750 A copy of an exception approval letter is available in the loan file. |
DSCR: 1.26 DSCR exceeds the guideline requirement of 1.00. FICO: 762 FICO exceeds the guideline requirement of 700. |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 762 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/21/2026 | |||||||||
| 819 | XX | XX | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 722 | XX | 3.41 | $14,966.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.471% | Yes | Alternative | QC Complete | 08/04/2026 | ||||||||
| 821 | XX | XX | XX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | 07/XX/2026 | 70.000% | 70.000% | Investor | Purchase | 749 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/30/2026 | ||||||||||||
| 825 | XX | XX | XX | New York | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: FTHB with no housing payment history in most recent 3 years. A copy of an exception approval letter is available in the loan file. |
Reserves: The 14 months of available reserves are more than the
guideline requirement of 3 months. DTI: 31.95% DTI is less than the maximum guideline requirement of 50.00%. Residual Income : $4,967.09 monthly |
Single Family | 07/XX/2026 | 44.568% | 44.568% | Primary | Purchase | 730 | XX | 5.33 | $7,299.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.952% | Yes | Alternative | QC Complete | 07/29/2026 | ||||||
| 827 | XX | XX | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 741 | XX | 2.08 | $44,688.10 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.100% | No | Alternative | QC Complete | 09/30/2026 | ||||||||
| 828 | XX | XX | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) HUD-1 Closing Statement missing or unsigned - EV
R COMMENT: Missing Final Closing Disclosure. Not Resolved: Received Final Closing disclosure with borrower signed document, but 5th page is incomplete on loan calculations details like Total of Payments, Finance charges, Amount financed, APR and TIP details. Resolved 07/30/2026: Received Final Closing Disclosure dated XX and exception is cleared. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide supporting document for the gift amount $146,000.00 Only Gift letter in file. 06/17/2026: Resolved. Received gift letters for $5,000, $7,500 and $135,908.93 |
Single Family | 05/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 737 | XX | 2.75 | $6,036.80 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.165% | Yes | Alternative | QC Complete | 06/01/2026 | |||||||
| 829 | XX | XX | XX | Florida | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting LTV exception to 85%. Max is 80%. A copy of an exception approval letter is available in the loan file. |
Reserves: The 18 months of available reserves are more than the
guideline requirement of 6 months. FICO: 740 FICO exceeds the guideline requirement of 700. DSCR: 1.31 DSCR exceeds the guideline requirement of 1.00. |
Single Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 740 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 09/30/2026 | ||||||||||
| 832 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Title evidence - EV R COMMENT: Provide a copy of Title report as it is missing. 08/04/2026: Resolved. Received copy of title |
PUD | 07/XX/2026 | 80.000% | 80.000% | Investor | Purchase | 772 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/21/2026 | |||||||||||
| 834 | XX | XX | XX | Hawaii | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 732 | XX | 6 | $44,544.75 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
28.854% | No | Full Documentation | QC Complete | 08/03/2026 | ||||||||
| 835 | XX | XX | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 758 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/22/2026 | ||||||||||||
| 838 | XX | XX | XX | North Carolina | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated Hazard insurance including Lender ISAOA/ATIMA clause, as is it missing. 07/29/2026: Resolved. Received updated HOI |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Purchase | 755 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/16/2026 | |||||||||||
| 841 | XX | XX | XX | Texas | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception for loan amount of $XX vs min loan amount of $XX A copy of an exception approval letter is available in the loan file. |
DSCR: 1.03 DSCR exceeds the guideline requirement of 1.00. FICO: 745 FICO exceeds the guideline requirement of 720. |
Single Family | 07/XX/2026 | 75.000% | 75.000% | Investor | Cash Out | 745 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | DSCR | QC Complete | 07/30/2026 | ||||||||||
| 842 | XX | XX | XX | Tennessee | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) HUD-1 Closing Statement missing or unsigned - EV
R COMMENT: Note document interest rate 6.5% and Final CD interest rate 5.5%, Provide corrected interest rate Final CD or PCCD. Resolved 07/29/2026: Received updated Interest Rate Letter of Explanation and exception is cleared. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Updated Title report for ISAOA/ATIMA Clause is missing 07/22/2026: Countered; Title needs to have the verbiage ISAOA/ATIMA added to the mortgagee clause as it is still missing 07/24/2026: Resolved. Received updated title |
PUD | 07/XX/2026 | 43.221% | 43.221% | Primary | Purchase | 784 | XX | 0.25 | $30,000.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.355% | No | Full Documentation | QC Complete | 07/16/2026 | |||||||
| 844 | XX | XX | XX | Alaska | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the corrected final 1003 to resolve the asset depletion income discrepancy, as the current final 1003 does not reflect the verified asset qualifier income amount of $17,434.22.00, which was used in the DTI calculations. 07/22/2026: Resolved. Received updated 1003 |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception to allow the use of XX future income with a gap of employment of more than 6 months when the borrower has not been back to work for at least 6 months. A copy of an exception approval letter is available in the loan file. |
LTV: 80.00% LTV is less than the guideline requirement of 90.00%. FICO: 741 FICO exceeds the guideline requirement of 700. DTI: 49.62% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | 06/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 741 | $17,434.22 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.628% | No | Full Documentation | QC Complete | 07/16/2026 | |||||||
| 845 | XX | XX | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 733 | XX | 3.91 | $9,265.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.214% | No | Alternative | QC Complete | 08/03/2026 | ||||||||
| 846 | XX | XX | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of updated final 1003 with correct start date on the employment section. 07/28/2026: Resolved. Received updated 1003. |
PUD | 06/XX/2026 | 75.000% | 75.000% | Primary | Purchase | 791 | XX | 0.08 | $11,354.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
17.924% | No | Alternative | QC Complete | 07/14/2026 | |||||||
| 847 | XX | XX | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 74.947% | 74.947% | Primary | Cash Out | 692 | 8.41 | XX | 3.58 | $6,031.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 43.050% | Full Documentation | QC Complete | 08/04/2026 | |||||||
| 850 | XX | XX | XX | Oregon | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | 07/XX/2026 | 72.755% | 72.755% | Primary | Refinance | 767 | 2 | XX | 0.08 | $6,494.30 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.605% | Full Documentation | QC Complete | 07/29/2026 | ||||||||
| 851 | XX | XX | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Condo Questionnaire as it is missing in the file. 07/27/2026: Resolved. Received condo Questionnaire |
Mid Rise Condo (5-8 Stories) | 06/XX/2026 | 78.728% | 78.728% | Investor | Purchase | 795 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 07/23/2026 | |||||||||||
| 852 | XX | XX | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Provide a copy of the Replacement Cost Estimator, as the current hazard insurance coverage of $XX does not cover the loan amount of $XX 07/23/2026 Resolved : Resolved as per the fnma guidelines. |
Single Family | 06/XX/2026 | 66.760% | 66.760% | Primary | Refinance | 733 | 1.08 | XX | 9.83 | $15,764.52 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.270% | Alternative | QC Complete | 07/08/2026 | |||||||
| 854 | XX | XX | XX | California | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Per program guidelines, two months' bank statements are required for XX #XX. The loan file currently contains only the May 2026 bank statement. Provide the missing bank statement(s) to satisfy the two-month documentation requirement. 07/27/2026. Received loe stating: The account was newly opened and the funds were transfered from XX with the XX statement provided showing hte paper trail. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception for borrower is a first time home buyer - was paying rent from 2016 - to 2022 - then moved home to save money so living rent free since then. A copy of an exception approval letter is available in the loan file. |
FICO: 786 exceeds the minimum FICO requirement of 720. DSCR: 27.17% exceeds the minimum DSCR requirement of 50.00%. Reserves: 43 months of available reserves are more than the guideline requirement of 6 months. |
Single Family | 07/XX/2026 | 85.000% | 85.000% | Primary | Purchase | 786 | XX | 7 | $10,118.57 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.171% | Yes | Alternative | QC Complete | 09/29/2026 | |||||
| 856 | XX | XX | XX | Pennsylvania | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 61.047% | 61.047% | Primary | Cash Out | 682 | 3.16 | XX | 3.5 | $5,546.42 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 43.047% | Alternative | QC Complete | 09/30/2026 | |||||||
| 857 | XX | XX | XX | Wisconsin | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide missing bank statement for the march 2025 XX 07/24/2026: Resolved. Received statement for march XX |
PUD | 07/XX/2026 | 57.692% | 57.692% | Primary | Refinance | 706 | 1.41 | XX | 8.5 | $79,684.32 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
18.652% | Alternative | QC Complete | 07/21/2026 | |||||||
| 858 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The Title Commitment does not reflect the Amount of Insurance (Mortgagee). Provide an updated Title supplement report / Title Commitment showing the correct Amount of Insurance (Mortgagee). 07/16/2026: Countered. Title documents provided do not have the amount of insurance listed or the mortgagee informatiuon. Updated title is still needed. 07/22/2026: Countered. Title documents provided do not have the amount of insurance listed or the mortgagee informatiuon. Updated title is still needed. 08/03/2026 Resolved: Resolved as the tile insurance is not required on co-op. *** (CURED) Mortgage missing / unexecuted - EV R COMMENT: Provide a copy of DOT as it is missing in the file. 07/29/2026: Resolved. A copy of the Loan Security Agreement is in the file. *** (CURED) Required Documentation Missing - EV R COMMENT: The loan is a primary residence refinance for the subject property located at XX However, the co-borrower final 1003 reflects the intended occupancy as a primary residence at XXProvide an updated final 1003 reflecting the correct intended occupancy for the subject property. 07/22/2026: Resolved. Received updated 1003. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception to not use Income for occupying borrower and use Income for non-occupying Borrower because B-1 doesn't meet trade line requirement A copy of an exception approval letter is available in the loan file. |
Reserves: 122 months of available reserves are more than the
guideline requirement of 9 months. FICO: 720 exceeds the minimum FICO requirement of 640. DTI: 3.789% is lower than the maximum guideline requirement of 50.00%. LTV: 65.00% is lower than the maximum guideline requirement of 80.00%. |
Mid Rise Condo (5-8 Stories) | 06/XX/2026 | 65.000% | 65.000% | Primary | Cash Out | 720 | 0.5 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 3.790% | Alternative | QC Complete | 09/29/2026 | |||||||
| 859 | XX | XX | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | 07/XX/2026 | 85.000% | 85.000% | Investor | Purchase | 733 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 08/04/2026 | ||||||||||||
| 860 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated 1003, as the property - XX reflecting as primary residence, however the loan program is purchase primary 07/29/2026: Resolved. Received updated 1003 |
2 Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 773 | XX | 3.5 | $464,555.09 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
5.341% | No | Alternative | QC Complete | 07/22/2026 | |||||||
| 862 | XX | XX | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Missing condo questionnaire. 07/22/2026: Countered. A completed condo questionnaire is needed. 7/24/2026: Resolved. 1008 indicates V condo Project Review Waived. |
Mid Rise Condo (5-8 Stories) | 06/XX/2026 | 70.000% | 70.000% | Primary | Cash Out | 786 | 1.5 | XX | 9.25 | $50,911.75 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$XX | 34.326% | Alternative | QC Complete | 07/14/2026 | ||||||
| 866 | XX | XX | XX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: FTHB living rent free A copy of an exception approval letter is available in the loan file. |
FICO: 715 FICO exceeds the guideline requirement of 700. DTI: 23.41% DTI is less than the maximum guideline requirement of 50.00%. LTV: 80.00% LTV is less than the guideline requirement of 85.00%. |
Single Family | 07/XX/2026 | 80.000% | 80.000% | Primary | Purchase | 715 | XX | 2.41 | $26,201.93 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.409% | Yes | Alternative | QC Complete | 08/03/2026 | ||||||
| 868 | XX | XX | XX | Alaska | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) The Appraisal License is Missing - EV R COMMENT: Provide a copy of Appraisers License. 07/23/2026: Resolved. Received appraisers license. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of Feb-2026 bank statement for the account number XX 07/24/2026: Resolved. Received Feb 2026 bank statement. |
Single Family | 07/XX/2026 | 90.000% | 90.000% | Primary | Purchase | 760 | XX | 3.5 | $43,572.15 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
19.520% | No | Alternative | QC Complete | 07/16/2026 |