EX-99.8 48 ea025949101_ex99-8sch2.htm SCHEDULE 2 - RATING AGENCY GRADES DETAIL REPORT

Exhibit 99.8 Schedule 2

 

ASF Loan Number Loan ID Seller Loan ID Investor Loan ID Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Current/Final Loan Grade Compliance Initial Loan Grade Compliance Current/Final Loan Grade Property Initial Loan Grade Property Current/Final Loan Grade Queue Finding Code Date Created Date Modified Finding Status Event Level Initial Finding Grade Current/Final Finding Grade Finding Category Finding Sub Category Finding Name Finding Comments Seller Comments Resolution Comments Reviewer Comp Factor Originator Comp Factors Finding Documents Originator QM Status Final Reviewed QM Status Loan Amount Property State Occupancy Loan Purpose Refinance Purpose Acknowledged / WaivedBy Waiver in File? Unique Finding ID
92300185703 XXX     A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Purchase NA      
92300185266 XXX     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NJ Investment Purchase NA      
92300185974 XXX     D A C A D A A A Closed FCOM1477 2025-06-04 01:02 2025-06-09 11:39 Resolved 1 - Information D A Compliance Missing Doc - Rate Lock Missing evidence of rate lock Resolved-Evidence of Rate Lock Provided  - Due Diligence Vendor-06/09/2025

Ready for Review-Document Uploaded.  - Seller-06/05/2025

Open-Evidence of Rate Lock Missing  - Due Diligence Vendor-06/04/2025
Ready for Review-Document Uploaded.  - Seller-06/05/2025

Resolved-Evidence of Rate Lock Provided  - Due Diligence Vendor-06/09/2025

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.33 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months
  XX ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Refinance Cash Out - Other N/A N/A XXX
92300185974 XXX     D A C A D A A A Closed FCRE5000 2025-06-05 13:07 2025-06-09 11:38 Resolved 1 - Information C A Credit Eligibility Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. Resolved-LOE provided showing NQM 5 Loans - Due Diligence Vendor-06/09/2025
Ready for Review-Document Uploaded.  - Seller-06/05/2025
Open-Please leave a comment verifying the Number of Mortgaged Properties is 16. NQM limit is 10 files. Borrower appears to have 16 loans with XX and to NQM. Unable to determine if all went to NQM - Due Diligence Vendor-06/05/2025
Ready for Review-Document Uploaded.  - Seller-06/05/2025

Resolved-LOE provided showing NQM 5 Loans - Due Diligence Vendor-06/09/2025

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.33 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months
  XX ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Refinance Cash Out - Other N/A N/A XXX
92300188187 XXX     A A A A A A A A             A A                   ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NJ Investment Refinance Cash Out - Other