EFMT 2026-NQM12 ABS-15G

 

Exhibit 99.03 - Schedule 7

 

Loan ID Seller Loan ID Investor Loan ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
2179968     xxx Qualifying Monthly P&I Amount notePage xxx xxx I Updated as per doc
2179968     xxx Borrower 1 FTHB the1003Page xxx xxx It is not a FTHB
2179968     xxx Calculated DSCR diligenceFinalLookPage 0 xxx It is a Income file
2199559     xxx Property Type propertyValuationPage xxx xxx Property type is Single Family Detached
2199559     xxx Calculated DSCR diligenceFinalLookPage xxx xxx Calculated DSCR is 1.952
2204770     xxx Prepayment Penalty Total Term   xxx 0 PREPAYMENT PANALTY IS 60 MONTHS
2204770     xxx Cash Disbursement Date   xxx xxx SETTLEMENT STATEMENTs SHOWING DIFFERENT DATES
2200792     xxx Qualifying Monthly P&I Amount   xxx xxx I updated as per doc
2200792     xxx Vested Business Entity Type   xxx xxx Tape data formatting
2200792     xxx Property Address notePage xxx xxx i updated as per doc
2200792     xxx Borrower 1 Self-Employment Flag employmentIncomePage xxx xxx  
2200792     xxx Personal Guaranty   xxx xxx I updated as per documents 
2200792     xxx Qualifying Total Housing Expense PITIA   xxx xxx I updated as per document
2207006     xxx First Payment Date notePage xxx xxx discrepancy confirmed 
2207006     xxx Maturity Date notePage xxx xxx discrepancy confirmed 
2200789     xxx Qualifying Monthly P&I Amount notePage xxx xxx AS PER DOCUMENTS DATA NOT MATCHED.
2200789     xxx Property Address notePage xxx xxx AS PER DOCUMENTS DATA NOT MATCHED.
2200789     xxx Qualifying Rent Income Source businessPurposePage xxx xxx DATA NOT MATCHED.
2201822     xxx First Payment Date notePage xxx xxx TAPE DATA DID NOT MATACH TRUE DATA
2201822     xxx Property Address notePage xxx xxx TAPE DATA DID NOT MATACH TRUE DATA
2201822     xxx Property City notePage xxx xxx TAPE DATA DID NOT MATACH TRUE DATA
2201822     xxx Maturity Date notePage xxx xxx TAPE DATA DID NOT MATACH TRUE DATA
2200791     xxx Interest Rate notePage xxx xxx As per Final Note Qualifying Interest Rate is 7.000
2200791     xxx Qualifying Monthly P&I Amount notePage xxx xxx As per calculation Qualifying Monthly P&I Amount is xxx
2200791     xxx Qualifying Interest Rate notePage xxx xxx As per Final Note Qualifying Interest Rate is 7.000
2200791     xxx Vested Business Entity Type notePage xxx xxx Tape data formatting
2200791     xxx Qualifying LTV propertyValuationPage xxx xxx As per calculation Qualifying LTV is 85%
2200791     xxx Qualifying CLTV propertyValuationPage xxx xxx As per calculation Qualifying CLTV is 85%
2200791     xxx Qualifying Total Housing Expense PITIA diligenceFinalLookPage xxx xxx As per calculation Qualifying Total Housing expenses PITIA is xxx
2200791     xxx Qualifying Total Debt Income Ratio diligenceFinalLookPage xxx xxx As per Calculation Qualifying DTI is 44.43
2200791     xxx Qualifying Housing Debt Income Ratio diligenceFinalLookPage xxx xxx As per calculation Qualifying Housing Debt Income Ratio 19.03
2201827     xxx Maturity Date notePage xxx xxx MATURITY DATE IS xxx
2201827     xxx First Payment Date notePage xxx xxx FIRST PAMENT DATE IS xxx
2204778     xxx Sales Price propertyValuationPage xxx xxx Sbjct's Primary Appraised Property Value: xxx& the sbjct's Sales Price: xxx.  We take the lower of the 2 for final LTV calcs.
2204778     xxx Primary Appraised Property Value propertyValuationPage xxx xxx Sbjct's Primary Appraised Property Value: xxx & the sbjct's Sales Price: xxx.  We take the lower of the 2 for final LTV calcs.
2201821     xxx Maturity Date notePage xxx xxx DATA DOES NOT MATCH
2201821     xxx First Payment Date notePage xxx xxx DATA DOES NOT MATCH
2207216     xxx Business Purpose Flag businessPurposePage xxx xxx  
2207216     xxx Qualifying FICO creditLiabilitiesPage xxx xxx  
2211610     xxx Qualifying Total Debt Income Ratio diligenceFinalLookPage xxx xxx QUALIFYING DTI IS 45.79% AS PER LM.
2206922     xxx Qualifying Monthly P&I Amount notePage xxx xxx in tape date they have consider total PITIA
2206922     xxx Final Qualifying Property Value propertyValuationPage xxx xxx Updated as per the Documents
2206922     xxx Property Type propertyValuationPage xxx xxx Updated as per the Documents
2206922     xxx Qualifying Total Debt Income Ratio diligenceFinalLookPage xxx xxx Updated as per the Documents
2203827     xxx Interest Rate notePage xxx xxx true data does not match with tape data
2203827     xxx Prepayment Penalty Flag notePage xxx xxx true data does not match with tape data
2203827     xxx Qualifying Monthly P&I Amount notePage xxx xxx true data does not match with tape data
2203827     xxx Qualifying Interest Rate notePage xxx xxx true data does not match with tape data
2203827     xxx Borrower 1 FTHB the1003Page xxx xxx true data does not match with tape data
2203827     xxx Sales Price closingDetailsNonCompliancePage 0 xxx true data does not match with tape data
2203827     xxx Qualifying LTV propertyValuationPage xxx xxx true data does not match with tape data 
2203827     xxx Qualifying CLTV propertyValuationPage xxx xxx true data does not match with tape data
2203827     xxx Qualifying Total Debt Income Ratio diligenceFinalLookPage 0 xxx true data does not match with tape data
2203827     xxx Calculated DSCR diligenceFinalLookPage xxx xxx true data does not match with tape data
2203827     xxx Qualifying Housing Debt Income Ratio diligenceFinalLookPage 0 xxx true data does not match with tape data
2207008     xxx First Payment Date notePage xxx xxx Tape data does not match with true data
2207008     xxx Maturity Date notePage xxx xxx Tape data does not match with true data
2207008     xxx Qualifying Total Debt Income Ratio diligenceFinalLookPage xxx xxx Updated xxx credit card statement in file with new bal. 
2207208     xxx Prepayment Penalty Total Term notePage 0 xxx Data does not match
2207208     xxx Qualifying FICO creditLiabilitiesPage xxx xxx Data does not match
2206777     xxx Borrower 1 Self-Employment Flag the1003Page xxx xxx DSCR Loan
2206777     xxx Business Purpose Flag businessPurposePage xxx xxx Loan is DSCR, Business Purpose disclosure provided
2206777     xxx Qualifying FICO creditLiabilitiesPage xxx xxx Representative Score used per final 1008 is xxx
2211622     xxx First Payment Date notePage xxx xxx Updated as per document 
2211622     xxx Maturity Date notePage xxx xxx Updated as per document 
2211626     xxx Qualifying Total Debt Income Ratio diligenceFinalLookPage xxx xxx  
2207007     xxx First Payment Date notePage xxx xxx TAPE DATA AND TRUE DATA NOT MATCH - Dates are before the clsg date.
2207007     xxx Maturity Date notePage xxx xxx TAPE DATA AND TRUE DATA NOT MATCH - Dates are before the clsg date.
2210569     xxx Vested Business Entity Type notePage xxx xxx the subject property is vested title and proposed.
2210569     xxx Prepayment Penalty Flag notePage xxx xxx Accuracy Information.
2210569     xxx Vested Business Entity Name notePage xxx xxx The info is not able to updated in to tape data.
2210569     xxx Qualifying Interest Rate notePage xxx xxx The interest rate updated according to the note date.
2210569     xxx Qualifying Monthly P&I Amount notePage xxx xxx Accuracy Information.
2210569     xxx Interest Rate notePage xxx xxx Updated as per note document.
2210569     xxx Borrower 1 FTHB the1003Page xxx xxx Accuracy Information.
2210569     xxx Personal Guaranty businessPurposePage xxx xxx Guaranty doc is available for the subject property.
2210569     xxx Qualifying Rent Income Source businessPurposePage xxx xxx Accuracy Information.
2210569     xxx Sales Price closingDetailsNonCompliancePage 0 xxx The subject is refinance.
2210569     xxx Property Type propertyValuationPage xxx xxx According to the appraisal 1025 the subject is 2-4 units.
2210569     xxx Qualifying LTV propertyValuationPage xxx xxx Accuracy information.
2210569     xxx Qualifying CLTV propertyValuationPage xxx xxx Accuracy Information.
2210569     xxx Qualifying Total Housing Expense PITIA diligenceFinalLookPage xxx xxx Updated as per supporting documents.
2210569     xxx Qualifying Housing Debt Income Ratio diligenceFinalLookPage 0 xxx Accuracy information.
2210569     xxx Qualifying Total Debt Income Ratio diligenceFinalLookPage 0 xxx The info is not able to updated in to tape data.
2211627     xxx First Payment Date notePage xxx xxx Tape data format discrepancy.
2211627     xxx Maturity Date notePage xxx xxx Tape data format discrepancy.
2206923     xxx Qualifying Monthly P&I Amount notePage xxx xxx Validated payment xxx.
2211638     xxx Borrower 1 Last Name notePage xxx xxx Tape data formatting
2211638     xxx Property Type propertyValuationPage xxx xxx Tape data formatting
2211638     xxx Calculated DSCR diligenceFinalLookPage xxx xxx Tape data formatting
2211638     xxx Originator DSCR diligenceFinalLookPage xxx xxx Tape data formatting
2211639     xxx Qualifying FICO creditLiabilitiesPage xxx xxx Borrower Fico Score updated as per Credit Report
2216466     xxx Verified Doc Type employmentIncomePage xxx xxx  
2216466     xxx Qualifying FICO creditLiabilitiesPage xxx xxx  
2216454     xxx First Payment Date notePage xxx xxx First Payment Date is xxx
2216454     xxx Maturity Date notePage xxx xxx Maturity Date is xxx
2216455     xxx First Payment Date notePage xxx xxx  
2216455     xxx Maturity Date notePage xxx xxx  
2216455     xxx Qualifying Total Debt Income Ratio diligenceFinalLookPage xxx xxx  
2216453     xxx Maturity Date notePage xxx xxx Maturity date ia xxx
2216453     xxx First Payment Date notePage xxx xxx First payment date is xxx