Exhibit 99.1 - Schedule 2

ALT Loan ID

Seller

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

AHMCCNF3000000011

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

AHMCCNF3000000011

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

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

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, Please see attached Econsent - Buyer-XX/XX/XXXX

Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower(s) - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

AHMCCNF3000000011

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

Investor Post-Close

AHMCCNF3000000011

XXXXX

XXXX

Seller

XXXX-XX-XX XX:XX

Open

3 - Material

Property

Value

Missing Post Close Valuation - 2

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. 2055 performed on property was out of tolerance, secondary appraisal required per valuation waterfall. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

AHMCCNF3000000018

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000018

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000018

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000135

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

Investor Post-Close

AHMCCNF3000000013

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000013

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX
Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary Valuation provided s not within tolerance. Condition added. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000015

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent XXXXX Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: Most Recent XXXXX Appraisal Not Provided to Applicant. As per latest Appraisal final # Date of Signature and Report is XX/XX/XXXX & one of Appraisal shows XX/XX/XXXX updated as per latest, as per given documents appraisal delivery date is before Report date. This finding is non-material and will be rated a B grade - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000029

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXXX Patriot Act Information form with identification document for the borrower uploaded. - Buyer-XX/XX/XXXX
Open-Missing Borrower Identification - Borrower 1. B1 Identification Missing. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000029

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

XXXXX

License: Loan Originator

Resolved-Received corrected Note and Deed. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, Please see attached Re-recorded corrective deed and Note
- Seller-XX/XX/XXXX
Counter-The Note and Deed have the same NMLS number listed for both the Loan Originator and the Lender. The Lender NMLS ID is incorrect. Provide corrected docs and evidence the Deed was sent for re-recording. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: Disagree with finding. Please see attached screenshot from NMLS consumer Access site Showing NMLS ID: XXXXXXX) and the company does exist in the NMLS Consumer Access as of XX/XX/XXXX - Buyer-XX/XX/XXXX
Open-A relationship between XXXXX XXXXXXX (NMLS ID: XXXXXXX) and the company (Company NMLS ID: XXXXXXX) does not exist in the NMLS Consumer Access as of XXXX-XX-XX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-XX/XX/XXXX
Open-A relationship between XXXXX XXXXXXX (NMLS ID: XXXXXXX) and the company (Company NMLS ID: XXXXXXX) does not exist in the NMLS Consumer Access as of XXXX-XX-XX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-XX/XX/XXXX
Open-A relationship between XXXXX XXXXXXX (NMLS ID: XXXXXXX) and the company (Company NMLS ID: 1394507) does not exist in the NMLS Consumer Access as of XXXX-XX-XX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, Please see attached Re-recorded corrective deed and Note
- Seller-XX/XX/XXXX

Resolved-Received corrected Note and Deed. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000029

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. secondary valuation is missing. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000034

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

State Reg

XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure not signed by both Borrower(s) and Lender

Resolved-Evidence Acknowledgment of XXXXX Market Value disclosure signed by both Borrower(s) and Lender provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, The signed XXXXX Market Value disclosure has been uploaded for your review. - Buyer-XX/XX/XXXX
Open-XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure not signed by both Borrower(s) and Lender. Acknowledgment of XXXXX Market Value document not provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence Acknowledgment of XXXXX Market Value disclosure signed by both Borrower(s) and Lender provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000041

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. MISSING POST CLOSE VALUATION - 1 - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000041

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. Loan Approved With PIW. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000047

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000056

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000058

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000062

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

XXXXX

AbilityToRepay: QMPointsAndFees

Resolved-Received undiscounted rate information. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello, please see the borrower's compliance report. It reflects 1.93 in bona fide points. The total points and fees to be tested is $X,XXX.XX, which is below the fee limit of $X,XXX.XX. - Buyer-XX/XX/XXXX

Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$X,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-XX/XX/XXXX

Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$X,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-XX/XX/XXXX

Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$X,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received undiscounted rate information. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF3000000062

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

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

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

Ready for Review-Document Uploaded. Conventional, owner occupied, cashout refinance. PCCD reflects of $X,XXX.XX. DU/AUS reflects no reserves required. DU and PCCD uploaded - Buyer-XX/XX/XXXX

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF3000000073

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Received verification the lender is closed on Saturdays. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000073

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Received verification the lender is closed on Saturdays. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello, XXXXX It's closed Saturdays and Sundays. - Buyer-XX/XX/XXXX

Open-The Homeownership Counseling Organization Disclosure Sent Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-XX/XX/XXXX

Open-The Homeownership Counseling Organization Disclosure Sent Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-XX/XX/XXXX

Open-The Homeownership Counseling Organization Disclosure Sent Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure Sent Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received verification the lender is closed on Saturdays. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000074

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

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

Ready for Review-Document Uploaded. XXXXX Patriot Act Information form with identification documents for both borrowers received. Uploaded to portal. - Buyer-XX/XX/XXXX

Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000074

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 2

Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXX Patriot Act Information form with identification documents for both borrowers received. Uploaded - Buyer-XX/XX/XXXX

Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000076

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing or Incomplete - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000080

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Closing

Borrower 1 Non-US Document Identification is expired

Resolved-Received I-797 Notice of Action dated within 6 months prior to expiration of PRA card, Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Open-Borrower Non-US identity document expiration date is XX-XX-XXXX and note is dated XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received I-797 Notice of Action dated within 6 months prior to expiration of PRA card, Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000083

XXXXX

XXXX

Seller

XXXX-XX-XX XX:XX

Open

3 - Material

Compliance

Missing Doc

PUD Rider is Missing

Open-Missing Mortgage Riders – PUD Rider As per appraisal subject property is PUD, however PUD rider missing in file. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000106

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Assets

Asset 4 Expired

Resolved-Updated AUS received excluding the asset in question, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see updated AUS removing the asset in question. - Seller-XX/XX/XXXX

Open-Asset 4 Expired Asset 4 statement date is XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see updated AUS removing the asset in question. - Seller-XX/XX/XXXX

Resolved-Updated AUS received excluding the asset in question, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000106

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

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

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

Ready for Review-Document Uploaded. Please see upload. - Seller-XX/XX/XXXX

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements $X,XXX.XX has been use other income for B1 and B2, supportive documents are not found or missing in file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see upload. - Seller-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000106

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Income/Employment

Income 5 Months Income Verified is Missing

Resolved-Received underwriter explanation and adoption subsidy award letter supporting the other income, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see upload. - Seller-XX/XX/XXXX

Open-Income 5 Months Income Verified is Missing Income 5:
$X,XXX.XX has been use other income for B1 and B2, supportive documents are not found or missing in file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see upload. - Seller-XX/XX/XXXX

Resolved-Received underwriter explanation and adoption subsidy award letter supporting the other income, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000106

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Income/Employment

Income 7 Months Income Verified is Missing

Resolved-Received underwriter explanation and adoption subsidy award letter supporting the other income, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see uploaded documents. - Buyer-XX/XX/XXXX

Open-Income 7 Months Income Verified is Missing Income 7:
$X,XXX.XX has been use other income for B1 and B2, supportive documents are not found or missing in file - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received underwriter explanation and adoption subsidy award letter supporting the other income, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000106

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent XXXXX Appraisal Not Provided to Applicant

Acknowledged- - Due Diligence Vendor-XX/XX/XXXX

Open-ECOA Non-Compliant: Most Recent XXXXX Appraisal Not Provided to Applicant. Most Recent XXXXX Appraisal Date of XX/XX/XXXX is after the XXXXX Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000110

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. Loan Approved With PIW. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000112

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent XXXXX Appraisal Not Provided to Applicant

Acknowledged-This finding is non-material and will be rated a B grade. - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-ECOA Non-Compliant: Most Recent XXXXX Appraisal Not Provided to Applicant. ECOA: Most Recent XXXXX Appraisal Date of Appraiser Signature Date is after the XXXXX Appraisal Delivery Date of Appraisal Delivery Date - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000114

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Post Close Valuation - 1 - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000114

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. Loan approved with appraisal waiver Page #406 - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000116

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000129

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Cleared, document provided, no damage. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. No damage to property - Buyer-XX/XX/XXXX

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-XX/XX/XXXX

Resolved-Cleared, document provided, no damage. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000129

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000132

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000132

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

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

Open-AVM provided through trailing docs has a value of $X,XXX.XX original appraised value was $X,XXX.XX a variance of -35.05. - Due Diligence Vendor-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM Valuation provided through trailing docs has a -35.05 variance. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000132

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing or Incomplete - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000142

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged- - Due Diligence Vendor-XX/XX/XXXX

Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000142

XXXXX

XXXX

Seller

XXXX-XX-XX XX:XX

Open

3 - Material

Property

Value

Missing Post Close Valuation - 2

Open-Email from XXXX XXXXXX on XX/XX/XXXX: "It’s not going to make it on timing. Do not order the BPO. Make a note that we stopped the waterfall due to timing due to the coverage area and the impending diligence deadline." - Due Diligence Vendor-XX/XX/XXXX
Open-A valid secondary valuation supporting the origination appraisal value is not present. Provided AVM Post close review product 1 tolerance exceeds -10% - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000151

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-XX/XX/XXXX: The Rate Lock Agreement has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-Evidence of Rate Lock Missing rate lock is missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

AHMCCNF3000000151

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Insurance

HO6 Insurance Policy Effective Date is after the Note Date

Resolved-Received prior year HO-6 Policy Effective Date of XX-XX-XXXX showing policy was active on disbursement date, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Current and prior HOI. - Buyer-XX/XX/XXXX
Open-HO-6 Insurance Policy Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX and Disbursement Date is XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received prior year HO-6 Policy Effective Date of XX-XX-XXXX showing policy was active on disbursement date, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

AHMCCNF3000000155

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged- - Due Diligence Vendor-XX/XX/XXXX

Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

Investor Post-Close

AHMCCNF3000000155

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF3000000155

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Disbursement Date

Resolved-Received Hazard Insurance active on disbursement date, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Previous HOI received. Previous and current HOI uploaded - Buyer-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received Hazard Insurance active on disbursement date, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF3000000155

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

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

Ready for Review-Document Uploaded. XXXXX Patriot Act Information form received. Uploaded - Buyer-XX/XX/XXXX

Open-Missing Borrower Identification - Borrower 1. B1 is a US Citizen and completed Patriot Act Form/License not in file. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF3000000156

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Enterprise:FeeLimits

ER - XXXXX Constitution 2% Fee Limit (Starting Adjusted Rate and Bona Fide Decrease)

Resolved-Lender provided undiscounted rate. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Resolved-. - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (XX Const. Art. 16 Sec. 50(a)(6)(E); 7 XX ADC Sec. 153.5) . - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided undiscounted rate. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000156

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Fees:Limited

XXXXX - Maximum Fees Allowed (Starting Adjusted Rate and Bona Fide Decrease)

Resolved-Lender provided undiscounted rate. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. The total 2% fees are (2.4071%) of the loan amount. (XX Const. Art. 16 Sec. 50(a)(6)(E); 7 XX ADC Sec. 153.5) - Due Diligence Vendor-XX/XX/XXXX
Escalated-. - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. The total 2% fees are (2.4071%) of the loan amount. (XX Const. Art. 16 Sec. 50(a)(6)(E); 7 XX ADC Sec. 153.5) - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. The total 2% fees are (2.4071%) of the loan amount. (XX Const. Art. 16 Sec. 50(a)(6)(E); 7 XX ADC Sec. 153.5) . - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. The total 2% fees are (8.6571%) of the loan amount. (XX Const. Art. 16 Sec. 50(a)(6)(E); 7 XX ADC Sec. 153.5) - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. The total 2% fees are (8.6571%) of the loan amount. (XX Const. Art. 16 Sec. 50(a)(6)(E); 7 XX ADC Sec. 153.5) . - Due Diligence Vendor-XX/XX/XXXX

Resolved-Lender provided undiscounted rate. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000156

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Enterprise:FeeLimits

ER - XXXXX Constitution 2% Fee Limit (Starting Adjusted Rate and Bona Fide Decrease)

Resolved-Lender provided undiscounted rate. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (XX. Const. Art. 16 Sec. 50(a)(6)(E); 7 XX ADC Sec. 153.5) - Due Diligence Vendor-XX/XX/XXXX
Escalated-. - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (XX Const. Art. 16 Sec. 50(a)(6)(E); 7 XX ADC Sec. 153.5) . - Due Diligence Vendor-XX/XX/XXXX
Resolved-. - Due Diligence Vendor-XX/XX/XXXX
Escalated-Escalated to Opus Management for review. - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (XX Const. Art. 16 Sec. 50(a)(6)(E); 7 XX ADC Sec. 153.5) . - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: Per the Compliance report, the discount points are bona fide. Bona fide points are not included in the XX 2% limit. The XXXXX report has been uploaded for your review. - Seller-XX/XX/XXXX
Open-The XXXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (XX Const. Art. 16 Sec. 50(a)(6)(E); 7 XX ADC Sec. 153.5) - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (XX Const. Art. 16 Sec. 50(a)(6)(E); 7 XX ADC Sec. 153.5) - Due Diligence Vendor-XX/XX/XXXX
Open-The XXXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (XX Const. Art. 16 Sec. 50(a)(6)(E); 7 XX ADC Sec. 153.5) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Per the Compliance report, the discount points are bona fide. Bona fide points are not included in the XX 2% limit. The XXXXX report has been uploaded for your review. - Seller-XX/XX/XXXX

Resolved-Lender provided undiscounted rate. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

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

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000156

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Cured

2 - Non-Material

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001258)

Cured- - Due Diligence Vendor-XX/XX/XXXX

Cured-. - Due Diligence Vendor-XX/XX/XXXX

Cured-Received LOX, copy of refund check, PCCD, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Cure Package has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Valid COC not provided for Recording Fees increase from $X,XXX.XX to $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX

Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-XX/XX/XXXX

Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-XX/XX/XXXX

Cured-. - Due Diligence Vendor-XX/XX/XXXX

Cured-Received LOX, copy of refund check, PCCD, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000156

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Cured

2 - Non-Material

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001257)

Cured- - Due Diligence Vendor-XX/XX/XXXX

Cured-. - Due Diligence Vendor-XX/XX/XXXX

Cured-Received LOX, copy of refund check, PCCD, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Cure Package has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Valid COC not provided for Recording Fees increase from $X,XXX.XX to $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX

Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-XX/XX/XXXX

Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-XX/XX/XXXX

Cured-. - Due Diligence Vendor-XX/XX/XXXX

Cured-Received LOX, copy of refund check, PCCD, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000156

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: The signed XXXXX Market Value Disclosure has been uploaded for your review. - Buyer-XX/XX/XXXX
Open-XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000156

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

State Reg

XX 50(a)(6) Violation: Acknowledgement of XXXXX Market Value Disclosure Value Does Not Match Appraisal Value

Resolved-Acknowledgement of XXXXX Market Value Disclosure Value Matching Appraisal Value provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX
Counter-Received the same disclosure previously reviewed. The FMV states $X,XXX.XX. The appraised value is $X,XXX.XX. Provide a corrected doc signed by all parties. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The signed XXXXX Market Value Disclosure has been uploaded - Seller-XX/XX/XXXX
Open-XX 50(a)(6) Violation: Acknowledgement of XXXXX Market Value Disclosure Value Does Not Match Appraisal Value. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. The signed XXXXX Market Value Disclosure has been uploaded - Seller-XX/XX/XXXX

Resolved-Acknowledgement of XXXXX Market Value Disclosure Value Matching Appraisal Value provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000158

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. CU or LCA score is 2.6 A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000158

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000172

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Disbursement Date

Resolved-Received Hazard Insurance Effective Date of XX-XX-XXXX, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. HOI Policy with an effective date of XX/XX/XXXX and end date of XX/XX/XXXX uploaded - Buyer-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received Hazard Insurance Effective Date of XX-XX-XXXX, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000172

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. secondary valuation is missing. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000179

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

Appraisal Delivery Does Not Conform To E-Sign Act

Resolved-Consent provided on appraisal delivery doc. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, Please see attached E-consent - Buyer-XX/XX/XXXX

Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. E-Consent not provided prior to appraisal delivery - Due Diligence Vendor-XX/XX/XXXX

Resolved-Consent provided on appraisal delivery doc. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000179

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000179

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent XXXXX Appraisal Not Provided to Applicant

Open-ECOA Non-Compliant: Most Recent XXXXX Appraisal Not Provided to Applicant. ECOA: Most Recent XXXXX Appraisal Not Provided to Applicant confirmed - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000185

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000185

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000189

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Income/Employment

Income 1 Months Income Verified is Missing

Resolved-Cash Flow Analysis Summary and K-1's provided that match income calculation on cash flow summary and income on 1003. - Due Diligence Vendor-XX/XX/XXXX
Open-Income 1 Months Income Verified is Missing - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Hello. Please see uploaded income worksheet to support how the income was calculated. Can you please consider waiving the corrected final 1003 as the company is XXXXXXXX and it's broken down on the income worksheet. Thank You! - Seller-XX/XX/XXXX
Counter-File under review. Audited income varies from lender income. Please provide income worksheet. Please confirm if income from XXXXXXXX XXXXX XXX and XXXXXXXX XXX are being included as they are not listed on final 1003. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Hello. Please see uploaded email documentation from the client. They have provided all the income documentation available to them. Per the information provided to us, the borrower does not have more than 25% ownership in the corporation, so business returns would not be required. The complete K-1’s have been provided. The income was calculated by fiscal year (see dates on K-1). Confirmation in file borrower requested an extension on XXXX returns.
- Buyer-XX/XX/XXXX
Counter-In order to verify borrower's latest income from business (XXXXXXXX & XXXXXX XXX) Business tax returns for XXXX along with Sched K-1 for XXXXXXXX & XXXXXX XXX (reporting period XXXX XXXX to XXX XXXX period referred from K1 XXXX) is still required. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded response and K-1.  - Buyer-XX/XX/XXXX
Counter-Provided XXXX K-1 is for XXXXXXXX XXXXX XXX, however it's different from business entity listed on 1003.  Kindly provide Business tax returns XXXX along with Sched K-1 for XXXXXXXX & XXXXXX XXX. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Hello. In addition to the SOS filing.
Hello,
Can you please provide clarification on what you are requesting. The first request was for the XXXX K-1 (uploaded). The counter provided states that per 1040 for XXXX Schedule E part 2 indicates K-1 is for a different business than listed on the final 1003.
In review the of 1040 for XXXX Schedule E it reflects: XXXXXXXX & XXXXXX XXX, XXXXXXXX XXX and XXXXXXXX XXXXX XXX. The final 1003 lists borrower is a partner with XXXXXXXX & XXXXXX XXX. Borrower has an ownership share of less than 25%.
Thank You! - Seller-XX/XX/XXXX
Counter-Provided documents are already available in file, however as per 1040 for XXXX Sched E part 2 (pg# 812) indicates the provided K1 is for a different business than listed on final 1003. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded Final URLA (1003) and XXXX K-1. The XXXX K-1 provided matches the employment listed on section 1B of the final 1003. Per the final 1003 borrower (XXXXX XXXXXX XXXXXXXX XXX) is employed with XXXXXXXX & XXXXXX XXX.  The XXXX K-1 uploaded lists partnership: XXXXXXXX XXXXX and borrower and it is for XXXXX XXXXXXXX XXX. - Buyer-XX/XX/XXXX
Counter-Provided K1 is a different entity, kindly provide K1 XXXX for employment listed on section 1B of final 1003. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded XXXX K-1. - Seller-XX/XX/XXXX
Open-Income 1 Months Income Verified is Missing K-1 document for the year XXXX is missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello. Please see uploaded income worksheet to support how the income was calculated. Can you please consider waiving the corrected final 1003 as the company is XXXXX and it's broken down on the income worksheet. Thank You! - Seller-XX/XX/XXXX
Ready for Review-Hello. In addition to the SOS filing.

Hello,

Can you please provide clarification on what you are requesting. The first request was for the XXXX K-1 (uploaded). The counter provided states that per 1040 for XXXX Schedule E part 2 indicates K-1 is for a different business than listed on the final 1003.
In review the of 1040 for XXXX Schedule E it reflects: XXXXXXXX & XXXXXX XXX, XXXXXXXX XXX and XXXXXXXX XXXXX XXX. The final 1003 lists borrower is a partner with XXXXXXXX & XXXXXX XXX. Borrower has an ownership share of less than 25%.
Thank You! - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded XXXX K-1. - Seller-XX/XX/XXXX

Resolved-Cash Flow Analysis Summary and K-1's provided that match income calculation on cash flow summary and income on 1003. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000189

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Hello. Please see uploaded income worksheet to support how the income was calculated. Can you please consider waiving the corrected final 1003 as the company is XXXXXXXX and it's broken down on the income worksheet. Thank You! - Buyer-XX/XX/XXXX
Counter-File under review. Audited income varies from lender income. Please provide income worksheet. Please confirm if income from XXXXXXXX XXXXX XXX and XXXXXXXX XX are being included as they are not listed on final 1003. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Hello. Please see uploaded email documentation from the client. They have provided all the income documentation available to them. Per the information provided to us, the borrower does not have more than 25% ownership in the corporation, so business returns would not be required. The complete K-1’s have been provided. The income was calculated by fiscal year (see dates on K-1). Confirmation in file borrower requested an extension on XXXX returns.  - Seller-XX/XX/XXXX
Counter-In order to verify borrower's latest income from business (XXXXXXXX & XXXXXX XXX) Business tax returns for XXXX along with Sched K-1 for XXXXXXXX & XXXXXX XXXX (reporting period XXXX XXXX to XXX XXXX period referred from K1 XXXX) is still required. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded response and K-1.  - Seller-XX/XX/XXXX
Counter-Provided XXXX K-1 is for XXXXXXXX XXXXX XXX, however it's different from business entity listed on 1003. Kindly provide Business tax returns XXXX along with Sched K-1 for XXXXXXXX & XXXXXX XXX. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Hello,

Can you please provide clarification on what you are requesting. The first request was for the XXXX K-1 (uploaded). The counter provided states that per 1040 for XXXX Schedule E part 2 indicates K-1 is for a different business than listed on the final 1003.
In review the of 1040 for XXXX Schedule E it reflects: XXXXXXXX & XXXXXX XXX, XXXXXXXX XXX and XXXXXXXX XXXXX XXX. The final 1003 lists borrower is a partner with XXXXXXXX & XXXXXX XXX. Borrower has an ownership share of less than 25%.
Thank You.  - Seller-XX/XX/XXXX
Counter-Provided documents are already available in file, however as per 1040 for XXXX Sched E part 2 (pg# 812) indicates the provided K1 is for a different business than listed on final 1003. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded Final URLA (1003) and XXXX K-1. The XXXX K-1 provided matches the employment listed on section 1B of the final 1003. Per the final 1003 borrower (XXXXX XXXXXX XXXXXXXX XXX) is employed with XXXXXXXX & XXXXXX XXX.  The XXXX K-1 uploaded lists partnership: XXXXXXXX XXXXX and borrower and it is for XXXXX XXXXXXXX XXX. - Buyer-XX/XX/XXXX
Counter-Provided K1 is a different entity, kindly provide K1 XXXX for employment listed on section 1B of final 1003. Condition remains.
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded XXXX K-1. - Buyer-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements K-1 for the year XXXX is missing in loan package - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello. Please see uploaded email documentation from the client. They have provided all the income documentation available to them. Per the information provided to us, the borrower does not have more than 25% ownership in the corporation, so business returns would not be required. The complete K-1’s have been provided. The income was calculated by fiscal year (see dates on K-1). Confirmation in file borrower requested an extension on XXXX returns.  - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded response and K-1.  - Seller-XX/XX/XXXX
Ready for Review-Hello,

Can you please provide clarification on what you are requesting. The first request was for the XXXX K-1 (uploaded). The counter provided states that per 1040 for XXXX Schedule E part 2 indicates K-1 is for a different business than listed on the final 1003.
In review the of 1040 for XXXX Schedule E it reflects: XXXXXXXX & XXXXXX XXX, XXXXXXXX XXX and XXXXXXXX XXXXX XXX. The final 1003 lists borrower is a partner with XXXXXXXX & XXXXXX XXX. Borrower has an ownership share of less than 25%.
Thank You.  - Seller-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000191

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B grade - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000196

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000203

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Received updated/corrected AUS with revised income amount, Condition resolved - Due Diligence Vendor-XX/XX/XXXX

Open-Income and Employment Do Not Meet Guidelines Received updated/corrected AUS with revised income amount, Condition resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello. Please see uploaded revised AUS (DU). - Buyer-XX/XX/XXXX

Counter-Received email clarifying the weekly and monthly amounts received by the borrower, Supporting 12 months bank statements available in file. However revised AUS is still required as income amount changed, condition remains. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see uploaded response and AUS. - Buyer-XX/XX/XXXX

Open-Income and Employment Do Not Meet Guidelines 12 months receipt missing for note receivable income - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received updated/corrected AUS with revised income amount, Condition resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000203

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

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

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

Ready for Review-Document Uploaded. Hello. Please see uploaded revised AUS (DU). - Buyer-XX/XX/XXXX

Counter-Received email clarifying the weekly and monthly amounts received by the borrower, Supporting 12 months bank statements available in file. However revised AUS is still required as income amount changed, condition remains. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see uploaded response and AUS. - Buyer-XX/XX/XXXX

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements 12 months receipt missing for note receivable income - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000211

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

The Note is Incomplete

Resolved-Received all pages of Note, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Complete copy of Note uploaded - Buyer-XX/XX/XXXX
Open-The Note is Incomplete 2 of 4 Page Missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received all pages of Note, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000215

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded response. Thank You. - Buyer-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Assets - are insufficient to cover closing cost - (-$X,XXX.XX). require additional reserves in file. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000216

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000216

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - Due Diligence Vendor-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000218

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000218

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX
Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Valuation Review Product - 2 - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000218

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Received Borrower 1 Credit Report, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Credit Report. - Buyer-XX/XX/XXXX
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Credit report missing in file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received Borrower 1 Credit Report, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000218

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Received Borrower 1 Credit Report, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Credit Report - Buyer-XX/XX/XXXX
Open-Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received Borrower 1 Credit Report, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000219

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. Loan approved with PIW. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

Investor Post-Close

AHMCCNF3000000219

XXXXX

XXXX

Seller

XXXX-XX-XX XX:XX

Open

3 - Material

Property

Value

Missing Post Close Valuation - 2

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM provided through trailing docs has a value of $X,XXX.XX original appraised value was $X,XXX.XX a variance of -30.74. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF3000000221

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX
Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Post Close Valuation - 1 - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000221

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. Loan Approved With PIW. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000222

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

Investor Post-Close

AHMCCNF3000000222

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

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

XXXXX

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

N/A

AHMCCNF3000000222

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: The Initial CD signed and dated XX/XX/XXXX has been uploaded for your review. - Buyer-XX/XX/XXXX
Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

N/A

AHMCCNF3000000230

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged- - Due Diligence Vendor-XX/XX/XXXX

Open-Privacy Notice Required - Missing or Incomplete. Privacy document is missing in the file - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000235

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) $X,XXX.XX, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Reuploaded final title policy with coverage amount. - Buyer-XX/XX/XXXX
Counter-No Final Title Policy with coverage amount received. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Final Title Policy with coverage amount. - Buyer-XX/XX/XXXX
Open-Title Coverage Amount of $X,XXX.XX is Less than Total Amount of Subject Lien(s) of $X,XXX.XX The preliminary title and supplemental title policy were provided; however, the policy amount is missing. Please provide the supplemental title policy reflecting the policy amount. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Title Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) $X,XXX.XX, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000236

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Disbursement Date

Resolved-Received Final Settlement Statement with disbursement date XX/XX/XXXX, Hazard insurance in file was valid before disbursement. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded final settlement statement reflecting disbursement on XX/XX/XXXX.HOI was effective before disbursement. - Buyer-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received Final Settlement Statement with disbursement date XX/XX/XXXX, Hazard insurance in file was valid before disbursement. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000238

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: The signed Acknowledgment of XXXXX Market Value Disclosure has been uploaded for your review. - Buyer-XX/XX/XXXX
Open-XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF3000000238

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

XX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing

Resolved-Proof of Copies of all loan documents received by borrower provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: The Proof of Copies has been uploaded for your review. - Buyer-XX/XX/XXXX
Open-XX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing. Proof of Copies of all loan documents received by borrower is missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Proof of Copies of all loan documents received by borrower provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF3000000240

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000244

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000248

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent XXXXX Appraisal Not Provided to Applicant

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

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

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000248

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test ($X,XXX.XX)

Resolved-Received COC. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Document Uploaded. XX/XX/XXXX: The COC dated XX/XX/XXXX indicates increase to pricing has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of ($X,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of ($X,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received COC. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000248

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test ($X,XXX.XX)

Resolved-Received COC. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Document Uploaded. XX/XX/XXXX: The COC dated XX/XX/XXXX indicates increase to pricing has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-XX/XX/XXXX

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received COC. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000248

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Appraisal POD has been uploaded for your review. - Seller-XX/XX/XXXX

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Appraisal POD has been uploaded for your review. - Seller-XX/XX/XXXX

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000256

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent XXXXX Appraisal Not Provided to Applicant

Acknowledged-This finding is non-material and will be rated a B grade." - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000260

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

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

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

Ready for Review-Document Uploaded. Note date XX/XX/XXXX. DU/AUS item 20, Day 1 Certainty employment validation through XX/XX/XXXX. VVOE not required per DU. Uploaded - Buyer-XX/XX/XXXX

Open-ATR Risk - Employment validation/verification standards do not meet requirements vvoe is missing for the borrower - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000265

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000265

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM valuation difference is more than -10%, however secondary valuation supporting document missing. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000274

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Closing

Borrower 2 Deed of Trust Signature does not match Note

Resolved-Borrower 2 is a non-resident borrower, hence not on DOT. Condition rescinded, - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Three borrowers, one occupant and two non-occupant borrowers. The Note reflects 3 vested borrowers, however, only one reflected on the deed which means, all three borrowers are legally responsible for paying back the debt, but only the single person named on the deed holds legal ownership of the property. - Buyer-XX/XX/XXXX

Open-Borrower 2 Signature does not match Note - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 is a non-resident borrower, hence not on DOT. Condition rescinded, - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000274

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Closing

Borrower 3 Deed of Trust Signature does not match Note

Resolved-Borrower 3 is a non-resident borrower, hence not on DOT. Condition rescinded, - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Three borrowers, one occupant and two non-occupant borrowers. The Note reflects 3 vested borrowers, however, only one reflected on the deed which means, all three borrowers are legally responsible for paying back the debt, but only the single person named on the deed holds legal ownership of the property. - Buyer-XX/XX/XXXX

Open-Borrower 3 Signature does not match Note - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 3 is a non-resident borrower, hence not on DOT. Condition rescinded, - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000275

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Received email communication from settlement agency providing estimated tax amount considered in lieu of actual taxes assessed due to newly constructed property, condition resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Property tax explanation received. Uploaded - Buyer-XX/XX/XXXX

Open-Missing Evidence of Property Tax Property Tax Document pg#404 does not cover the required value on 1008. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000275

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent XXXXX Appraisal Not Provided to Applicant

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

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000276

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

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

Ready for Review-Document Uploaded. Hello, please see the eConsent for both borrowers. - Buyer-XX/XX/XXXX

Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000287

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Missing Rental Income Documentation for REO

Resolved-Documents verifying REO expenses received, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Documentation of PITIA received. Uploaded - Buyer-XX/XX/XXXX
Counter-Rental loss from investment properties from REO XX to XX is considered under All Other Monthly Payments, however verification documents are not available in file. Kindly provide for REO XX tax and insurance verification docs, REO XX Insurance verification, REO XX Insurance and HOA verification & for REO XX Mortgage verification documents. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. LP/AUS reflects $X,XXX.XX in total monthly debt which are broken down to (per final 1003): LP and final 1003 uploaded.

$X,XXX.XX: Subject’s PITIA
$X,XXX.XX: Line XX. liabilities of final 1003
$X,XXX.XX: PITIA REO section of final 1003 (no rent income used to qualify)
$X,XXX.XX: total monthly debt - Buyer-XX/XX/XXXX
Open-Missing Rental Income Documentation for REO listed on the application. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Documents verifying REO expenses received, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000287

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Documentation of PITIA received. Uploaded - Seller-XX/XX/XXXX
Counter-Provide for REO XX tax and insurance verification docs, REO XX Insurance verification, REO XX Insurance and XXX verification & for REO XX Mortgage verification documents. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. LP/AUS reflects $X,XXX.XX in total monthly debt which are broken down to (per final 1003): LP and final 1003 uploaded.

$X,XXX.XX: Subject’s PITIA
$X,XXX.XX: Line XX. liabilities of final 1003
$X,XXX.XX: PITIA REO section of final 1003 (no rent income used to qualify)
$X,XXX.XX: total monthly debt - Buyer-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Documentation of PITIA received. Uploaded - Seller-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000287

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: The Acknowledgment of XXXXX Market Value disclosure has been uploaded for your review. - Seller-XX/XX/XXXX
Open-XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Acknowledgment of XXXXX Market Value disclosure has been uploaded for your review. - Seller-XX/XX/XXXX

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000297

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent XXXXX Appraisal Not Provided to Applicant

Acknowledged-This finding is non-material and will be rated a B grade. - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-ECOA Non-Compliant: Most Recent XXXXX Appraisal Not Provided to Applicant. ECOA: Most Recent XXXXX Appraisal Date of XX/XX/XXXX is after the XXXXX Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000297

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000298

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000300

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

Investor Post-Close

AHMCCNF3000000304

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent XXXXX Appraisal Not Provided to Applicant

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

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000309

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded cure docs. The attached combination of the XXX and HOI supports $X,XXX.XX. - Buyer-XX/XX/XXXX
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Supporting report missing in file - $X,XXX.XX amount declared in final 1003 for XX property. - Due Diligence Vendor-XX/XX/XXXX

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000316

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000316

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

XX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing

Resolved-Received disclosure. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: The Receipt of copies of all loan documents disclosure has been uploaded for your review. - Buyer-XX/XX/XXXX
Counter-Received several XX disclosures, however, the Receipt of copies of all loan documents disclosure was not one of them. Provide the required disclosure. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: The XX state specific disclosures have been uploaded for your review. - Buyer-XX/XX/XXXX
Open-XX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received disclosure. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000316

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001257)

Resolved-Received COC. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded COC regarding the increase in Title Endorsement Fee and Lender Title Policy fees. - Seller-XX/XX/XXXX

Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Endorsement Fee, Lender’s Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). COC not provided - Due Diligence Vendor-XX/XX/XXXX

Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Endorsement Fee, Lender’s Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-XX/XX/XXXX

Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Endorsement Fee, Lender’s Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded COC regarding the increase in Title Endorsement Fee and Lender Title Policy fees. - Seller-XX/XX/XXXX

Resolved-Received COC. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000316

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001258)

Resolved-Received COC. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded COC regarding the increase in Title Endorsement Fee and Lender Title Policy fees. - Seller-XX/XX/XXXX

Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Endorsement Fee, Lender’s Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). COC not provided - Due Diligence Vendor-XX/XX/XXXX

Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Endorsement Fee, Lender’s Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-XX/XX/XXXX

Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Endorsement Fee, Lender’s Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded COC regarding the increase in Title Endorsement Fee and Lender Title Policy fees. - Seller-XX/XX/XXXX

Resolved-Received COC. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000316

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: The XX 50(a)(6) Acknowledgment of XXXXX Market Value disclosure has been uploaded for your review. - Buyer-XX/XX/XXXX
Open-XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000320

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Missing Doc

Missing HOA/Condo Certification

Resolved-HOA statement received, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Documentation of the $X,XXX.XX in monthly HOA fee for the subject property uploaded - Buyer-XX/XX/XXXX
Open-Evidence to verify XXX document for subject property - Due Diligence Vendor-XX/XX/XXXX

Resolved-HOA statement received, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000320

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Documentation of the $X,XXX.XX in monthly XXX fee for the subject property uploaded - Buyer-XX/XX/XXXX
Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Evidence to verify XXX document for subject property - Due Diligence Vendor-XX/XX/XXXX

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000320

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - Due Diligence Vendor-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000325

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Missing Condo Master Insurance Policy

Resolved-Condo Master Insurance not required as subject is a Detached Condo, Homeowners insurance policy with sufficient coverage is available in file. Condition rescinded. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Note amount $X,XXX.XX. Property is a Detached Condo. HOI coverage of $X,XXX.XX. RCE = $X,XXX.XX. Coverage is sufficient. Master policy is not required. - Buyer-XX/XX/XXXX

Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000327

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: The signed XXXXX Market Value has been uploaded for your review. - Buyer-XX/XX/XXXX
Counter-Received FMV disclosure signed by the borrowers only. Provide a copy of the disclosure signed by the borrowers and the Lender. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX(TM): Acknowledgment of XXXXX Market Value has been uploaded for your review. - Buyer-XX/XX/XXXX
Open-XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing. Acknowledgment of XXXXX Market Value disclosure is missing in the file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF3000000328

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000328

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary Valuation is missing as CU score is 3 - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000329

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF3000000329

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-Received Replacement cost estimate indicating adequate insurance coverage, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the uploaded document for comments. Thank You. - Buyer-XX/XX/XXXX
Open-Hazard Insurance Coverage Amount of $X,XXX.XX is less than Total Amount of Subject Lien(s) of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received Replacement cost estimate indicating adequate insurance coverage, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF3000000329

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Received a copy of the Initial LE. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: Please see uploaded initial LE dated XX/XX/XXXX to clear condition. - Buyer-XX/XX/XXXX
Open-Provide initial LE dated prior to XX/XX or a lender attestation verifying they are closed on Saturdays. - Due Diligence Vendor-XX/XX/XXXX
Open-The Initial Disclosure Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Disclosure Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX) - Due Diligence Vendor-XX/XX/XXXX
Open-The Initial Disclosure Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-XX/XX/XXXX
Open-The Initial Disclosure Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received a copy of the Initial LE. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF3000000329

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

Rescinded-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date <<XX/XX/XXXX>> is not within three business days of Application Date <<XX/XX/XXXX>> - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

Investor Post-Close

AHMCCNF3000000331

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-This finding is non-material and will be rated a B grade - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000333

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, Please see attached Acknowledgment of XXXXX Market Value disclosure - Buyer-XX/XX/XXXX
Open-XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing. Acknowledgment of XXXXX Market Value disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

N/A

AHMCCNF3000000333

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

XX 50(a)(6) Violation: T-42/ T-42.1 Title Endorsement is missing

Acknowledged-XX 50(a)(6) Violation: T-42/ T-42.1 Title Endorsement is missing. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

Investor Post-Close

AHMCCNF3000000336

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000336

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Post Close Valuation - 1 - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000336

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM provided through trailing docs has a value of $X,XXX.XX original appraised value was $X,XXX.XX a variance of -20.43. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000336

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Resolved-Privacy Notice provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see attached Privacy Notice - Buyer-XX/XX/XXXX

Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Privacy Notice provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000338

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of HOA Dues for REO1

Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX XXXXXXXX unit X starts on page 2 - Seller-XX/XX/XXXX
Counter-Missing evidence of XXX Dues for XXXX XXXXXXXX #X, document provided only included XXXXX Verification for XXXX XXXXX #D provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded evidence of XXX for XXXX XXXXXXXX #X and XXXX XXXXX #XX. - Seller-XX/XX/XXXX
Open-Missing Evidence of XXX Dues for REO1 Review documents in the loan file, missing monthly XXX fee for $X,XXX.XX XXXXXXXX #X and XXXX XXXXX #X - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXX XXXXXXXX unit X starts on page 2 - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded evidence of HOA for XXXX XXXXXXXX #X and XXXX XXXXX #X. - Seller-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000338

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Income/Employment

Income 4 Months Income Verified is Missing

Resolved-verify properties from list with documents in loan file, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-review docs - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded lender response and documentation. - Seller-XX/XX/XXXX
Counter-Documents for the verifying expenses of REO XX not received, condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Hello. The borrower is Self Employed and receives income as documented. Uploaded XXXXX SAM worksheets. - Seller-XX/XX/XXXX
Open-Income 4 Months Income Verified is Missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded lender response and documentation. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello. The borrower is Self Employed and receives income as documented. Uploaded XXXXX SAM worksheets. - Seller-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000338

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Income/Employment

Income 2 Months Income Verified is Missing

Resolved-verify properties from list with documents in loan file, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-review docs - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded lender response and documentation. - Seller-XX/XX/XXXX

Counter-1003 with the properties listed under REO to identify the current mortgage status and any additional dues is required, condition remains. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see updated rental income worksheet listing all properties provide to us by the lender. They want to know if we will accept this in lieu of adding all the properties to the 1003 as there is 3 pages of properties. Thank You! - Buyer-XX/XX/XXXX

Counter-The rental income properties considered under other income are not listed on 1003, Kindly provide updated 1003 with the properties listed under REO to identify the current mortgage status and any additional dues. Condition remains. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello. The borrower is Self Employed and receives income as documented. Uploaded XXXXX SAM worksheets. - Seller-XX/XX/XXXX

Open-Income 2 Months Income Verified is Missing - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000338

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded secretary of state print reflecting Business name, borrowers name and address as listed on the URLA. This is sufficient to meet self-employment guidelines VOE requirements. - Buyer-XX/XX/XXXX

Counter-VVOE provided doesn’t verify the borrower's business listed on 1003 application which was also verified using documents in file, condition remains - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Borrower is self-employed. Uploaded verification. - Seller-XX/XX/XXXX

Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Borrower is self-employed. Uploaded verification. - Seller-XX/XX/XXXX

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000347

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

N/A

AHMCCNF3000000347

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Closing

Borrower 1 Photo ID is expired

Resolved-Borrower photo ID expiration date is XX-XX-XXXX and note is dated XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see uploaded current ID - Buyer-XX/XX/XXXX

Counter-Provided documents are available in the loan file, however the photo id is expired, and next document is just a receipt of application for Senior ID and cannot be accepted. Kindly provide a valid photo id, condition remains. - Due Diligence Vendor-XX/XX/XXXX

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

Open-Borrower photo ID expiration date is XX-XX-XXXX and note is dated XX-XX-XXXX. B1 ID is expired - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower photo ID expiration date is XX-XX-XXXX and note is dated XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

N/A

AHMCCNF3000000347

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. Loan approved with PIW - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Home Improvement/Reno

XXXX

Investor Post-Close

AHMCCNF3000000364

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000368

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Received disclosure dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Homeownership Counseling Organization Disclosure dated XX/XX/XXXX has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-The Homeownership Counseling Organization Disclosure Sent Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-XX/XX/XXXX

Open-The Homeownership Counseling Organization Disclosure Sent Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received disclosure dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000370

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

Appraisal Delivery Does Not Conform To E-Sign Act

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

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see attached E-consent. - Buyer-XX/XX/XXXX

Counter-Received eSign cert with an E-consent acceptance date of XX/XX/XXXX. The appraisal was sent electronically XX/XX/XXXX. Provide verification of E-consent XX/XX/XXXX or prior. Condition remains. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see attached E-consent. - Buyer-XX/XX/XXXX

Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000377

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Income/Employment

Employment Gaps in Employment Without Sufficient Explanation

Resolved-Fannie Mae's Announcement SEL-2026-02 (implemented in XXXXX XXXX): Regarding gaps in past 12 months, Fannie Mae does not universally "waive" or declare a "no requirement" for an LOE or lender assessment; rather, lenders evaluate the overall work history, duration of the gap, and whether the income is stable and predictable. AUS doesn't indicate any specific requirement for LOE. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Fannie Mae SEL XXXX-XX employment gaps found no requirement for an LOE. Uploaded - Buyer-XX/XX/XXXX
Counter-XXXXX selling guide Announcement SEL-XXXX-XX indicate a low-risk transaction such as subject will have no rigid time-based employment gap requirements, however LOE for gap more than 30-60 days is required. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Conventional, 58% LTV/CLTV/HCLTV, owner occupied, purchase. Employment gap letters are not required on Conventional loans. DU/AUS approved/eligible recommendation. - Buyer-XX/XX/XXXX
Open-Require explanation for the B1 employment gap noted for the period XX/XX/XXXX to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Fannie Mae's Announcement SEL-XXXX-XX (implemented in XXXXX XXXX): Regarding gaps in past 12 months, Fannie Mae does not universally "waive" or declare a "no requirement" for an LOE or lender assessment; rather, lenders evaluate the overall work history, duration of the gap, and whether the income is stable and predictable. AUS doesn't indicate any specific requirement for LOE. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000377

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Hello, please see the attached eFolder log and LOE - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-XX/XX/XXXX

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000377

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

Appraisal Delivery Does Not Conform To E-Sign Act

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

Ready for Review-Document Uploaded. Hello, please see the attached econsent dated prior to the appraisal delivery. - Buyer-XX/XX/XXXX

Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000379

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Missing Rental Income Documentation for REO

Resolved-Received newly originated mortgage verification documents for REO XX, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Documentation of PITI for XX XXXXX received. Uploaded - Seller-XX/XX/XXXX
Open-Missing Rental Income Documentation for REO listed on the application. REO mortgage statement is missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Documentation of PITI for XXX XXXXXXXXXX received. Uploaded - Seller-XX/XX/XXXX

Resolved-Received newly originated mortgage verification documents for REO XX, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000379

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Documentation of PITI for XXX XXXXX received. Uploaded - Seller-XX/XX/XXXX
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Documentation of PITI for XXX XXXXXXXXXX received. Uploaded - Seller-XX/XX/XXXX

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000379

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Received verification the Lender is closed on Saturdays. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX(TM): The Lender Attestation confirming they are closed for business on Saturdays has been uploaded for your review. - Buyer-XX/XX/XXXX

Open-The Initial Disclosure Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Valid Findings due to Application date more than 3 business days from Initial Loan Estimate - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received verification the Lender is closed on Saturdays. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000379

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Received verification the Lender is closed on Saturdays. - Due Diligence Vendor-XX/XX/XXXX

Acknowledged- - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Valid Findings due to Application date more than 3 business days from Homeownership Disclosure - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received verification the Lender is closed on Saturdays. - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Valid Findings due to Application date more than 3 business days from Homeownership Disclosure - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000379

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary Valuation is Missing - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000381

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Missing Purchase Contract

Resolved-Purchase Contract provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Purchase Contract uploaded - Buyer-XX/XX/XXXX

Open-Missing Purchase Contract - Due Diligence Vendor-XX/XX/XXXX

Resolved-Purchase Contract provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000381

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

Appraisal Delivery Does Not Conform To E-Sign Act

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

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello , Please see attached E-consent - Buyer-XX/XX/XXXX

Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000381

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Acknowledged-RESPA: Toolkit Missing or Incomplete. Toolkit Missing in the file - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Originator Post-Close

AHMCCNF3000000383

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF3000000383

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. Loan approved with PIW - Due Diligence Vendor--XX/XX/XXXX

Rescinded-Value grade equals B, loan approved with a PIW. Within tolerance - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000387

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000388

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000388

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. secondary valuation is missing. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000388

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 W2/1099 Missing

Resolved-Received Borrower 2 W2 XXXX, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XXXX W2s for both borrowers uploaded. - Buyer-XX/XX/XXXX
Open-Borrower 2 W2/1099 Missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received Borrower 2 W2 XXXX, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

2 years W2 missing from co-borrower (year XXXX-XXXX)

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000388

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 W2/1099 Missing

Resolved-Received Borrower 1 W2 XXXX, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX W2s for both borrowers uploaded. - Buyer-XX/XX/XXXX
Open-Borrower 1 W2/1099 Missing 2 years W2 missing from borrower (year XXXX-XXXX) - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received Borrower 1 W2 XXXX, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000398

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

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

Ready for Review-Document Uploaded. ID docs for both borrowers received. Uploaded - Buyer-XX/XX/XXXX

Open-Missing Borrower Identification - Borrower 1. Identity proof document missing B1. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000398

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 2

Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. ID docs for both borrowers received. Uploaded - Buyer-XX/XX/XXXX

Open-Missing Borrower Identification - Borrower 2. Identity proof document missing B2 - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000398

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000402

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged- - Due Diligence Vendor-XX/XX/XXXX

Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000402

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000418

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000422

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Cleared, PDI provided, no damage to property - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. No damage to property - Buyer-XX/XX/XXXX

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-XX/XX/XXXX

Resolved-Cleared, PDI provided, no damage to property - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF3000000432

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000433

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000433

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000443

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

XXXXX

License: Loan Originator

Resolved-Received LOX and verification LO was licensed in XX when the loan closed. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Hello, per the NMLS Consumer site, the MLO who received the initial application (XXXXX XXXX) on XX/XX/XXXX was licensed in XX between XX/XX/XXXX and XX/XX/XXXX. A different MLO signed the final application (XXXXX XXXXXX) and their license was active at the time the final application was signed. The initial MLO is not required to be the same MLO who signs the final application. The MLO who signs the final application is not required to be licensed at the time the initial application was taken unless they signed the initial application. - Buyer-XX/XX/XXXX
Open-The loan originator does not have a license in XX as of XXXX-XX-XX - Due Diligence Vendor-XX/XX/XXXX
Open-The loan originator does not have a license in XX as of XXXX-XX-XX . - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Hello, per the NMLS Consumer site the MLO who received the initial application was licensed in XX between XX/XX/XXXX and XX/XX/XXXX. The initial application date of XX/XX/XXXX is during that active timeframe. - Buyer-XX/XX/XXXX
Open-The loan originator does not have a license in XX as of XXXX-XX-XX Updated as per document - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received LOX and verification LO was licensed in XX when the loan closed. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000445

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000445

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. Valuation provided has more than 3 LCA score. Therefore added condition. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000445

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM provided through trailing docs has a value of $X,XXX.XX original appraised value was $X,XXX.XX a variance of -40.57. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000445

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Disclosure

XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: The XX 50(a)(6) Acknowledgment of XXXXX Market Value disclosure signed by Lender and borrower(s) both has been uploaded for your review. - Buyer-XX/XX/XXXX
Counter-Received copies of the FMV disclosure signed by the borrowers only. Provide an Acknowledgement of FMV disclosure signed by the borrowers and the lender. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: The XX 50(a)(6) Acknowledgment of XXXXX Market Value disclosure has been uploaded for your review. - Buyer-XX/XX/XXXX
Open-XX 50(a)(6) Violation: Acknowledgment of XXXXX Market Value disclosure is missing. Acknowledgment of XXXXX Market Value disclosure is missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Acknowledgment of XXXXX Market Value disclosure provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000448

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

XXXXX

License: Loan Originator

Resolved-Received corrected Note and Correction Instrument for the Deed. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached documents, Attached proof Deed recorded - Buyer-XX/XX/XXXX
Counter-The NMLS ID for the Lender XXXXX is listed incorrectly as XXXXX on the Note and the Deed. Correct both docs and provide verification the Deed was sent to be re-recorded. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Disagree with finding. Please see attached NMLS Consumer Access reflects XXXXX XXXXX (NMLS ID XXXXX) as authorized to represent XXXXX (NMLS ID XXXXX) with an office location start date of XX/XX/XXXX. The Final URLA dated XX/XX/XXXX also identifies XX XXXXXX as the Loan Originator for XXXXX. Therefore, the relationship between the Loan Originator and XXXXX is supported. - Buyer-XX/XX/XXXX
Open-A relationship between XXXXX XXXXX (NMLS ID: XXXXXX) and the company (Company NMLS ID: XXXXX) does not exist in the NMLS Consumer Access as of XXXX-XX-XX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-XX/XX/XXXX
Open-A relationship between XXXXXX XXXXXX (NMLS ID: XXXXX) and the company (Company NMLS ID: XXXXX) does not exist in the NMLS Consumer Access as of XXXX-XX-XX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. NMLS ID: XXXXX state XX not reflected . It is reflected for XX state. - Due Diligence Vendor-XX/XX/XXXX
Open-A relationship between XXXXXX XXXXXX (NMLS ID: XXXXX) and the company (Company NMLS ID: XXXXX) does not exist in the NMLS Consumer Access as of XXXX-XX-XX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received corrected Note and Correction Instrument for the Deed. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000448

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000449

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent XXXXX Appraisal Not Provided to Applicant

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

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

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

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000449

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000452

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000452

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. CU or LCA score is 2.6 A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000453

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Received updated 1003 with corrected expenses for REO XX, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded revised URLA correcting expenses for REO XX. - Buyer-XX/XX/XXXX
Counter-Received tax bill for REO XX, however it doesn't cover the REO expenses $X,XXX.XX considered as per 1003 and AUS. Monthly tax amount as per received document $X,XXX.XX ($X,XXX.XX/12) + monthly insurance $X,XXX.XX ($X,XXX.XX/12 as per insurance verification pg #291) we are still short of $X,XXX.XX per month. Kindly provide proof of additional expenses for REO XX. Condition remains - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded tax info for the property listed in the REO section of the final URLA/1003 #XX. X XXXXX XXXXX. - Buyer-XX/XX/XXXX
Open-Tax document Missing for the REO property listed in 1003 as XX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received updated 1003 with corrected expenses for REO XX, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000453

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded revised URLA correcting expenses for REO XX. - Buyer-XX/XX/XXXX
Counter-Received tax bill for REO XX, however it doesn't cover the REO expenses $X,XXX.XX considered as per 1003 and AUS. Monthly tax amount as per received document $X,XXX.XX ($X,XXX.XX/12) + monthly insurance $X,XXX.XX ($X,XXX.XX/12 as per insurance verification pg #291) we are still short of $X,XXX.XX per month. Kindly provide proof of additional expenses for REO XX. Condition remains - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded tax info for the property listed in the REO section of the final URLA/1003 #XX. 7 XXXXX XXXXX. - Buyer-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000460

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent XXXXX Appraisal Not Provided to Applicant

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

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

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000462

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000463

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000465

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Received verification the lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XXXX XX XXXXX MORTGAGE CORPORATION is closed on Saturday and Sundays - Buyer-XX/XX/XXXX
Open-The Initial Disclosure Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Disclosure Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX) - Due Diligence Vendor-XX/XX/XXXX
Open-The Initial Disclosure Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-XX/XX/XXXX
Open-The Initial Disclosure Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received verification the lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000473

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged- - Due Diligence Vendor-XX/XX/XXXX

Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice - Missing - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000487

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000487

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000494

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000499

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged- - Due Diligence Vendor-XX/XX/XXXX

Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

Investor Post-Close

AHMCCNF3000000503

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-LOE received explaining the other amount $X,XXX.XX listed on 1008 was based on estimated fully assessed tax amount. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Documentation of the $X,XXX.XX other monthly payments for the subject property received. Uploaded - Buyer-XX/XX/XXXX

Open-1008 & Lender Loan Information reflects Other amount as $X,XXX.XX. However, source document is missing in the file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-LOE received explaining the other amount $X,XXX.XX listed on 1008 was based on estimated fully assessed tax amount. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000503

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Documentation of the $X,XXX.XX other monthly payments for the subject property received. Uploaded - Buyer-XX/XX/XXXX

Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Required document missing for the other payment for subject property reflects in the 1008 with payment $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000503

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Acknowledged- - Due Diligence Vendor-XX/XX/XXXX

Open-RESPA: Toolkit Missing or Incomplete. Toolkit Missing - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000531

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Received YTD paystubs for XXXX and XXXX highlighting bonus income as part of previous years, Condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded documentation received. Updated 1008, AUS (LPA) YTD paystub for XXXX bonus income, Year-end paystub for XXXX bonus income and XXXX year-end paystub for bonus income. - Buyer-XX/XX/XXXX
Counter-Based on the Income and Debt worksheet, UW has considered bonus as part of the calculation. The YTD Base amount on VOI pg # 564 also includes 2 different types of bonuses being added which can be verified using Paystub pg #428, also there is no history of any bonus income for prior years. As per XXXXX guidelines a two-year history of bonus income is required to use it for mortgage qualification. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded Income doc details (calculation). - Buyer-XX/XX/XXXX
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Calculated wage income $X,XXX.XX (average of 3yrs as borrower working hours are fluctuating) is not supporting UW used qualifying wage income as $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received YTD paystubs for XXXX and XXXX highlighting bonus income as part of previous years, Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000531

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Received YTD paystubs for XXXX and XXXX highlighting bonus income as part of previous years, Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited DTI of 49.49% is less than or equal to AUS DTI of 50% - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded documentation received. Updated 1008, AUS (LPA) YTD paystub for XXXX bonus income, Year-end paystub for XXXX bonus income and XXXX year-end paystub for bonus income. - Buyer-XX/XX/XXXX

Counter-Based on the Income and Debt worksheet, UW has considered bonus as part of the calculation. The YTD Base amount on VOI pg # 564 also includes 2 different types of bonuses being added which can be verified using Paystub pg #428, also there is no history of any bonus income for prior years. As per XXXXX guidelines a two-year history of bonus income is required to use it for mortgage qualification. Condition remains. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded Income doc details (calculation). - Buyer-XX/XX/XXXX

Open-Audited DTI of 66.79% exceeds AUS DTI of 50% Audit DTI difference is due to income calculations and liabilities based on documents in loan file.
- Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000537

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000537

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000537

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Missing Doc

XX (XX) Statement of Borrowers Benefit documentation is missing

Resolved-Received document. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: Please see attached Statement of Borrowers Benefit documentation - Buyer-XX/XX/XXXX
Open-XX Statement of Borrowers Benefit documentation is missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received document. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000537

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Resolved-Privacy Notice provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see attached Privacy Notice - Buyer-XX/XX/XXXX

Open-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Privacy Notice provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000540

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. CU Score is 3.5, A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF3000000550

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Received verification the lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see attached LOX. - Buyer-XX/XX/XXXX

Open-The Initial Disclosure Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Disclosure Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX) - Due Diligence Vendor-XX/XX/XXXX

Open-The Initial Disclosure Date (XXXX-XX-XX) is more than 3 business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received verification the lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000550

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date Appraisal Disclosure Date is not within three business days of Application Date Application Received By Creditor Date - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000553

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000561

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000565

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM provided through trailing docs has a value of $X,XXX.XX original appraised value was $X,XXX.XX a variance of -10.15. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000565

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000564

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B grade." - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000566

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. MISSING POST CLOSE VALUATION - 1 - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000580

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

Investor Post-Close

AHMCCNF3000000580

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid secondary valuation supporting the origination appraisal value is required as CU score is more than 2.5 - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Limited Cash Out - <1% of Loan Amount or $2000

XXXX

N/A

AHMCCNF3000000581

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy provided, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

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

Open-Missing Hazard Insurance Policy - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy provided, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000587

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000596

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Missing Doc

Missing Payoff Statement for prior loan

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded payoff statement for XXXX x $X,XXX.XX. - Buyer-XX/XX/XXXX
Open-Missing Payoff Statement for prior loan. Payoff Statement is missing for account XXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF3000000609

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Post Close Valuation - 1 - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

AHMCCNF3000000609

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

AHMCCNF3000000620

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000620

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000620

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Closing

Borrower 2 Deed of Trust Signature does not match Note

Resolved-Borrower 2 Signature on DOT can be considered as the documents were signed in the presence of a notary public - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-The borrowers listed on the note match the borrowers listed on the DOT. The documents were signed in the presence of a notary public. - Buyer-XX/XX/XXXX

Open-Borrower 2 Signature does not match Note B2 sign not matching between Note and DOT. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower 2 Signature on DOT can be considered as the documents were signed in the presence of a notary public - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000633

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000633

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. Desk Review Document is missing - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000670

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000673

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000676

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Acknowledged - Due Diligence Vendor-XX/XX/XXXX

Counter-Received a Disclosure Notice. The Right to Financial Privacy Act section is for government loans. Provide the Lender's Privacy Notice. Condition remains. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Hello, Please see attached Disclosure Notices. - Buyer-XX/XX/XXXX

Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-Acknowledged - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000699

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

Investor Post-Close

AHMCCNF3000000699

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM provided through trailing docs has a value of $X,XXX.XX original appraised value was $X,XXX.XX a variance of -17.56. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

N/A

AHMCCNF3000000699

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

XXXX

Investor Post-Close

AHMCCNF3000000714

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000721

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000721

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary valuation is missing. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000722

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000722

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000722

XXXXX

XXXX

Buyer

XXXX-XX-XX XX:XX

Ready for Review

3 - Material

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Ready for Review-Document Uploaded. The CD lists the payoffs for XXXX, XXXXX/XXX and XXXX. The XXXXXXXXXX account is paid by others (bank statements provided). - Buyer-XX/XX/XXXX
Open-Audited DTI of 54.07% exceeds AUS DTI of 50% Missing proof of zero balance to support exclusion of the 3 accounts not listed on final CD but excluded. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000733

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. loan approved wit PIW. - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000733

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Acknowledged

2 - Non-Material

Property

Loan approved with appraisal waiver, PIW grading applies

Acknowledged-Value grade equals B, loan approved with a PIW. Loan approved with Appraisal Waiver PIW. page#1082. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

AHMCCNF3000000736

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Disbursement Date

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Disbursement Date of XX-XX-XXXX, Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

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

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX Hazard insurance policy effective date is showing XX/XX/XXXX which is after the disbursement date (XX/XX/XXXX). - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Disbursement Date of XX-XX-XXXX, Condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000051

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Disclosure Tolerance

Resolved-Received PCCD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded PCCD the matches the XXXXX Fees and Loan calculations. Please clear condition.  - Seller-XX/XX/XXXX
Counter-Received a XXXXXreport dated post-closing.  The Fees and Loan calculations do not match the figures on the Final CD. Provide the correct XXXXX report run at, or prior, to closing. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded XXXXX Report dated XX/XX/XXXX to clear condition. - Seller-XX/XX/XXXX
Open-The disclosed Total of Payments ($X,XXX.XX) is understated by more than $X,XXX.XX when compared to the actual Total of Payments ($X,XXX.XX). The difference is ($X,XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $X,XXX.XX. (12 CFR 1026.38(o)(1))   Discount pts are bona fide.  - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded PCCD the matches the XXXXX Fees and Loan calculations. Please clear condition. - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded XXXXX Report dated XX/XX/XXXX to clear condition. - Seller-XX/XX/XXXX

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

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000051

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Received PCCD. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: Please see the uploaded PCCD the matches the XXXXX Fees and Loan calculations. Please clear condition.  - Buyer-XX/XX/XXXX
Counter-Received a XXXXX report dated post-closing.  The Fees and Loan calculations do not match the figures on the Final CD. Provide the correct XXXXX report run at, or prior, to closing. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XX/XX/XXXX: Please see the uploaded XXXXX Report dated XX/XX/XXXX to clear condition. - Buyer-XX/XX/XXXX
Open-The disclosed finance charge ($X,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $X,XXX.XX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1)  Discount pts are bona fide.  - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000092

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

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

Open-A valid secondary valuation supporting the origination appraisal value is not present. secondary valuation is not provided - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXXX

N/A

AHMCCNF3000000259

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Cured

2 - Non-Material

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Cured-Received LOX, copy of refund check, PCCD and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: The Cure Package has been uploaded for your review.
- Seller-XX/XX/XXXX
Counter-Received a COC dated XX/XX/XXXX stating the Transfer taxes increased XX/XX due to a change in the loan amount.  The Loan amount did not change XX/XX/XXXX. The Loan amount increased to $X,XXX.XX XX/XX/XXXX and then decreased to $X,XXX.XX XX/XX/XXXX with no change in the Transfer taxes at either time.  XX/XX/XXXX shows the Final Loan amount of $X,XXX.XX and increased Transfer taxes. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. XX/XX/XXXX: The COC-CD indicating the increase in Tax Stamps/Transfer Taxes have been uploaded for your review. - Seller-XX/XX/XXXX
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Valid COC not provided for increase  in tax amount
Doc Tax Stamps/Transfer Taxes – State increased from $X,XXX.XX (initial LE) to $X,XXX.XX (Final CD) - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The Cure Package has been uploaded for your review.
- Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. XX/XX/XXXX: The COC-CD indicating the increase in Tax Stamps/Transfer Taxes have been uploaded for your review. - Seller-XX/XX/XXXX

Cured-Received LOX, copy of refund check, PCCD and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000259

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Cured

2 - Non-Material

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Cured-Received LOX, copy of refund check, PCCD and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XX/XX/XXXX: The Cure Package has been uploaded for your review.
- Buyer-XX/XX/XXXX
Counter-Received a COC dated XX/XX/XXXX stating the Transfer taxes increased XX/XX due to a change in the loan amount.  The Loan amount did not change XX/XX/XXXX. The Loan amount increased to $X,XXX.XX XX/XX/XXXX and then decreased to $X,XXX.XX XX/XX/XXXX with no change in the Transfer taxes at either time.  XX/XX/XXXX shows the Final Loan amount of $X,XXX.XX and increased Transfer taxes. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XX/XX/XXXX: The COC-CD indicating the increase in Tax Stamps/Transfer Taxes have been uploaded for your review. - Buyer-XX/XX/XXXX
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Valid COC not provided for increase  in tax amount
Doc Tax Stamps/Transfer Taxes – State increased from $X,XXX.XX (initial LE) to $X,XXX.XX (Final CD) - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Cured-Received LOX, copy of refund check, PCCD and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000259

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX
Open-A valid secondary valuation supporting the origination appraisal value is not present. CU score more than 2.5 post close valuation is required - Due Diligence Vendor-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A

AHMCCNF3000000008

XXXXX

XXXX

Closed

XXXX-XX-XX XX:XX

Resolved

1 - Information

Credit

Assets

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

Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Hello, In review of the documentation, it appears that borrower was short, documented funds to close in the amount of $X,XXX.XX.  These are the funds that were included in the calculation:
XXXX x XXXX $X,XXX.XX
XXXX x XXXX $X,XXX.XX
Gift $X,XXX.XX
XXX $X,XXX.XX (note, one EMD of $X,XXX.XX was returned making it a wash- so only counting the $X,XXX.XX basically as reflected on the XXXX Statement)  - Seller-XX/XX/XXXX
Counter-ALTA settlement statement is not at par with the Final CD and PCCD in file. ALTA statement shows 2 deposits of $X,XXX.XX and a refund of $X,XXX.XX, However Final CD pg # 102 & PCCD pg #424 only display $X,XXX.XX deposit and a refund of $X,XXX.XX which actually nullifies the deposit amount upon calculation. Either there should be $X,XXX.XX deposit displayed on Closing Disclosures or the refund amount should be removed from it. Corrected / updated Closing Disclosure is required. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Hello. Documentation has been provided that the borrower had sufficient funds for closing (I have re-uploaded and consolidated documents). On XX/XX/XXXX $X,XXX.XX EMD was wired to title from XXXX xXXXX. Statement, transaction history and escrow receipt provided. On XX/XX/XXXX the $X,XXX.XX XXX was returned to borrowers XXXX account xXXXX. Transaction history provided. Then on XX/XX/XXXX borrower sent the XXX of $X,XXX.XX from XXXX account x $X,XXX.XX back to escrow, bank transaction history and wire receipt provided. The borrower did not need to wire an additional $X,XXX.XX and the $X,XXX.XX EMD was fully sourced. Thank You.  - Seller-XX/XX/XXXX
Counter-The XXXX statement reflects an EMD deposit of $X,XXX.XX, another EMD deposit of $X,XXX.XX and gift funds $X,XXX.XX. As per documents in file EMD deposit of $X,XXX.XX transferred on XX/XX/XXXX from XXXX xXXXX pg # 64, but $X,XXX.XX was returned to the borrower on XX/XX/XXXX pg#62 so this cannot be considered, Next EMD transaction of $X,XXX.XX was done on XX/XX/XXXX to the title company pg#60 and gift funds $X,XXX.XX verified on pg# 154. Kindly provide proof of another $X,XXX.XX transferred to settlement agent. condition remains. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Per the XXXX statement provided, $X,XXX.XX was due from borrower. The XXXX statement reflects an EMD deposit of $X,XXX.XX, seller credit of $X,XXX.XX, another EMD deposit of $X,XXX.XX and gift funds $X,XXX.XX. The statement also reflects that $X,XXX.XX EMD was returned to the borrower. The paper trail for the EMD’s has been provided. XX/XX/XXXX $X,XXX.XX EMD from XXXX xXXXX. XX/XX/XXXX $X,XXX.XX EMD returned to XXXX xXXXX. XX/XX/XXXX $X,XXX.XX EMD from XXXX x$X,XXX.XX back to escrow. The borrower transferred money from her XXXX account to her XXXX account and wired the $X,XXX.XX due escrow which is also documented. Borrower had sufficient funds to close.  - Buyer-XX/XX/XXXX
Counter-Received settlement statement reflecting of $X,XXX.XX cash to close along with bank statement showing payment deducted. Per settlement statement there are two payments of $X,XXX.XX due from borrower, one is not verified. Bank statements dated XX/XX/XXXX ending balance $X,XXX.XX reflect XX/XX/XXXX $X,XXX.XX to title, XX/XX/XXXX $X,XXX.XX returned to borrower unable to apply, XX/XX/XXXX $X,XXX.XX to title. Condition remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded docs. The XXXX account shows the closing funds from the borrowers account of $X,XXX.XX. The XXXX statement is for sourcing the $X,XXX.XXk transfer.
- Seller-XX/XX/XXXX
Counter-Provided bank statement is dated XX/XX/XXXX, however assets are already updated as per statement dated XX/XX/XXXX for the same account. Final closing disclosure indicates Cash to Close is $X,XXX.XX from borrower, however the total liquid asset verified is $X,XXX.XX which includes Saving $X,XXX.XX + Checking $X,XXX.XX + Gift $X,XXX.XX hence there is a shortfall of $X,XXX.XX. Condition remains.
- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Assets - Seller-XX/XX/XXXX
Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $<<Liquid_Assets_Available_For_Close>> less cash to close of $<<Cash Required_From_Borrower>> and less unverified EMD of $<<Unverified_Cash_Deposit_Toward_Purchase>> results in $<<Liquid_Funds_Post_Close>> shortage of funds to close.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Hello, In review of the documentation, it appears that borrower was short, documented funds to close in the amount of $X,XXX.XX.  These are the funds that were included in the calculation:
XXXX x XXXX $X,XXX.XX
XXXX x XXXX $X,XXX.XX
Gift $X,XXX.XX
EMD $X,XXX.XX (note, one EMD of $X,XXX.XX was returned making it a wash- so only counting the $X,XXX.XX basically as reflected on the Alta Statement)  - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Hello. Documentation has been provided that the borrower had sufficient funds for closing (I have re-uploaded and consolidated documents). On XX/XX/XXXX $X,XXX.XX EMD was wired to title from XXXX xXXXX. Statement, transaction history and escrow receipt provided. On XX/XX/XXXX the $X,XXX.XX EMD was returned to borrowers XXXX account xXXXX. Transaction history provided. Then on XX/XX/XXXX borrower sent the EMD of $X,XXX.XX from XXXX account x $X,XXX.XX back to escrow, bank transaction history and wire receipt provided. The borrower did not need to wire an additional $X,XXX.XX and the $X,XXX.XX EMD was fully sourced. Thank You.  - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Uploaded docs. The XXXX account shows the closing funds from the borrowers account of $X,XXX.XX. The XXXX statement is for sourcing the $X,XXX.XXk transfer.
- Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. Assets - Seller-XX/XX/XXXX

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

XXXXX

Primary Residence

Purchase

XXXX

N/A