EX-99.5 6 tm2126740d1_ex99-5.htm CLAYTON CONDITIONS REPORT

 

 

Exhibit 99.5

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2021-2
Start - End Dates: 1/2020 TO 6/2021
Deal Loan Count: 591
Report Run Date: 8/26/2021 2:20 PM
         
Conditions Report 2.0
         
Loans in Report: 591
Loans with Conditions: 298

 

81 - Total Active Conditions  
  9 - Material Conditions  
      4 - Credit Review Scope  
        1 - Category: DTI  
        2 - Category: Income/Employment  
        1 - Category: Terms/Guidelines  
      2 - Property Valuations Review Scope  
        2 - Category: Value  
      3 - Compliance Review Scope  
        2 - Category: Ability to Repay/Qualified Mortgage  
        1 - Category: TILA/RESPA Integrated Disclosure  
  72 - Non-Material Conditions  
      20 - Credit Review Scope  
        2 - Category: Assets  
        2 - Category: Credit/Mtg History  
        2 - Category: DTI  
        5 - Category: Income/Employment  
        2 - Category: LTV/CLTV  
        7 - Category: Terms/Guidelines  
      8 - Property Valuations Review Scope  
        1 - Category: Appraisal  
        7 - Category: FEMA  
      44 - Compliance Review Scope  
        4 - Category: Borrower's Interest  
        19 - Category: RESPA  
        20 - Category: Right of Rescission   
        1 - Category: TILA/RESPA Integrated Disclosure  
438 - Total Satisfied Conditions  
               
      124 - Credit Review Scope  
        5 - Category: Application  
        10 - Category: Assets  
        4 - Category: Credit/Mtg History  
        17 - Category: DTI  
        21 - Category: Income/Employment  
        26 - Category: Insurance  
        16 - Category: Legal Documents  
        1 - Category: Re-Verifications  
        23 - Category: Terms/Guidelines  
        1 - Category: Title  
      85 - Property Valuations Review Scope  
        41 - Category: Appraisal  
        44 - Category: FEMA  
      229 - Compliance Review Scope  
        37 - Category: Ability to Repay/Qualified Mortgage  
        1 - Category: Compliance Manual  
        6 - Category: Documentation  
        1 - Category: Federal Consumer Protection  
        8 - Category: Finance Charge Tolerance  
        1 - Category: RESPA  
        8 - Category: Right of Rescission   
        167 - Category: TILA/RESPA Integrated Disclosure  
1 - Total Waived Conditions  
               
      1 - Compliance Review Scope  
        1 - Category: Finance Charge Tolerance  


©2021 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. 

 

   

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2021-2
Start - End Dates: 1/2020 to 6/2021
Deal Loan Count: 591
   
       
Conditions Report 2.0
       
Loans in Report: 591
Loans with Conditions: 298

 

Issuance Id Original Principal Balance State Initial Lender ATR/QM Status Loan Level ATR/QM Status
0820320884 XXXXXX CA QM: Safe Harbor QM: Safe Harbor
0588580161 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0448106681 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0012184588 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0545117571 XXXXXX CA QM: Safe Harbor QM: Safe Harbor
0545117571 XXXXXX CA QM: Safe Harbor QM: Safe Harbor
0508493137 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0098182298 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0519291206 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0519291206 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0679327661 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0679327661 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0679327661 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0679327661 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0201913754 XXXXXX CT QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0757116660 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0837546803 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0131643972 XXXXXX MD QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0131643972 XXXXXX MD QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0358212409 XXXXXX VA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0472587491 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0254013856 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0622741649 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0622741649 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0495399448 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0495399448 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0758393035 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0610713429 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0610713429 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0610713429 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0610713429 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0038041422 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0674014055 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0929635416 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0838492108 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0809010456 XXXXXX TX QM: GSE Temporary - QM/SH ATR/QM: Status Pending
0809010456 XXXXXX TX QM: GSE Temporary - QM/SH ATR/QM: Status Pending
0809010456 XXXXXX TX QM: GSE Temporary - QM/SH ATR/QM: Status Pending
0809010456 XXXXXX TX QM: GSE Temporary - QM/SH ATR/QM: Status Pending
0809010456 XXXXXX TX QM: GSE Temporary - QM/SH ATR/QM: Status Pending
0809010456 XXXXXX TX QM: GSE Temporary - QM/SH ATR/QM: Status Pending
0809010456 XXXXXX TX QM: GSE Temporary - QM/SH ATR/QM: Status Pending
0778965382 XXXXXX MD QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0778965382 XXXXXX MD QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0778965382 XXXXXX MD QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0106154913 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0106154913 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0172330528 XXXXXX MT QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0891218827 XXXXXX IA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0126209341 XXXXXX NC QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0301082076 XXXXXX FL QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0301082076 XXXXXX FL QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0301082076 XXXXXX FL QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0301082076 XXXXXX FL QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0301082076 XXXXXX FL QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0150413610 XXXXXX MN QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0150413610 XXXXXX MN QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0150413610 XXXXXX MN QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0150413610 XXXXXX MN QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0150413610 XXXXXX MN QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0914444373 XXXXXX NC QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0040688627 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0040688627 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0040688627 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0040688627 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0574812078 XXXXXX FL QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0633758396 XXXXXX NY QM: Safe Harbor QM: Safe Harbor
0633758396 XXXXXX NY QM: Safe Harbor QM: Safe Harbor
0633758396 XXXXXX NY QM: Safe Harbor QM: Safe Harbor
0633758396 XXXXXX NY QM: Safe Harbor QM: Safe Harbor
0920623679 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0388837049 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0388837049 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0388837049 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0388837049 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0117687586 XXXXXX UT QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0117687586 XXXXXX UT QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0117687586 XXXXXX UT QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0117687586 XXXXXX UT QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0117687586 XXXXXX UT QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0117687586 XXXXXX UT QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0269984181 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0269984181 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0269984181 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0269984181 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0529211534 XXXXXX MI QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0288464659 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0535167039 XXXXXX FL QM: Safe Harbor QM: Safe Harbor
0535167039 XXXXXX FL QM: Safe Harbor QM: Safe Harbor
0535167039 XXXXXX FL QM: Safe Harbor QM: Safe Harbor
0535167039 XXXXXX FL QM: Safe Harbor QM: Safe Harbor
0254022778 XXXXXX SC QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0031844398 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0635080304 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0442548067 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0442548067 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0434110359 XXXXXX VA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0434110359 XXXXXX VA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0487228757 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0743212371 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0258841540 XXXXXX SC QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0725186963 XXXXXX HI QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0725186963 XXXXXX HI QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0725186963 XXXXXX HI QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0725186963 XXXXXX HI QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0928030793 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0928030793 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0928030793 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0178851134 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0178851134 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0792873939 XXXXXX NC QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0848010461 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0729797904 XXXXXX DC QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0494857682 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0494857682 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0959758176 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0547209102 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0120707620 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0120707620 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0120707620 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0120707620 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0796508911 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0022575858 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0022575858 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0715087597 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0480545617 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0431801517 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0431801517 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0431801517 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0331919724 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0584294334 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0980966817 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0438943043 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0438943043 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0438943043 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0933093587 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0831279813 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0173909637 XXXXXX CO QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0173909637 XXXXXX CO QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0695322307 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0077455091 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0375927908 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0009533626 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0009533626 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0392446292 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0092760959 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0092760959 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0764629216 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0102177349 XXXXXX CO QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0508639361 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0414295895 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0260835396 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0186365678 XXXXXX CO QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0186365678 XXXXXX CO QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0492235807 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0123654606 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0306494604 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0708006725 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0066764686 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0870641261 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0952338784 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0952338784 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0728114734 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0434531605 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0686953526 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0241593406 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0224741345 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0659426002 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0541581629 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0223085060 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0282804636 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0571738197 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0651345487 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0856204471 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0067065325 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0067065325 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0086017308 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0023974316 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0886770136 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0566920875 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0692547296 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0739646999 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0892518122 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0855990320 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0863097390 XXXXXX MD QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0456987251 XXXXXX MA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0135162164 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0135162164 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0366150419 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0423144110 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0927336176 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0927336176 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0763645713 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0112136396 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0643541381 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0278002870 XXXXXX UT QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0401491488 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0760153847 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0101278171 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0596982956 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0165457615 XXXXXX MD QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0694841605 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0373837482 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0373837482 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0483350993 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0513986387 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0201987277 XXXXXX VA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0266065367 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0438958127 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0240655264 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0287587008 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0290835161 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
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0285694503 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
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0188679393 XXXXXX CO QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
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0107312288 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
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0102302067 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0254569153 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0610332675 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
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0944522541 XXXXXX CO QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0944522541 XXXXXX CO QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0944522541 XXXXXX CO QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0526637156 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0526637156 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0526637156 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0999439564 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0738192318 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
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0085120810 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0508362329 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0135322330 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
0135322330 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
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0424418039 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
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0798026357 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
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0671548283 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH
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Issuance Id Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade
0820320884 A A A A A A A A
0588580161 A A A A A A A A
0448106681 A A A A A A A A
0012184588 A A A A A A A A
0545117571 D A A A A A D A
0545117571 D A A A A A D A
0508493137 B B B B A A A A
0098182298 B B A A A A B B
0519291206 B B A A A A B B
0519291206 B B A A A A B B
0679327661 C B A A A A C B
0679327661 C B A A A A C B
0679327661 C B A A A A C B
0679327661 C B A A A A C B
0201913754 A A A A A A A A
0757116660 A A A A A A A A
0837546803 A A A A A A A A
0131643972 C A A A A A C A
0131643972 C A A A A A C A
0358212409 D A A A D A A A
0472587491 A A A A A A A A
0254013856 A A A A A A A A
0622741649 C B A A A A C B
0622741649 C B A A A A C B
0495399448 D A D A A A C A
0495399448 D A D A A A C A
0758393035 A A A A A A A A
0610713429 C B A A C B C A
0610713429 C B A A C B C A
0610713429 C B A A C B C A
0610713429 C B A A C B C A
0038041422 C A A A A A C A
0674014055 A A A A A A A A
0929635416 A A A A A A A A
0838492108 A A A A A A A A
0809010456 D D D D C A D D
0809010456 D D D D C A D D
0809010456 D D D D C A D D
0809010456 D D D D C A D D
0809010456 D D D D C A D D
0809010456 D D D D C A D D
0809010456 D D D D C A D D
0778965382 D B D B A A D A
0778965382 D B D B A A D A
0778965382 D B D B A A D A
0106154913 B B B B B B A A
0106154913 B B B B B B A A
0172330528 A A A A A A A A
0891218827 A A A A A A A A
0126209341 A A A A A A A A
0301082076 D B D B A A D A
0301082076 D B D B A A D A
0301082076 D B D B A A D A
0301082076 D B D B A A D A
0301082076 D B D B A A D A
0150413610 B B B B A A B B
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0150413610 B B B B A A B B
0150413610 B B B B A A B B
0150413610 B B B B A A B B
0914444373 A A A A A A A A
0040688627 D B D B B B C A
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0040688627 D B D B B B C A
0040688627 D B D B B B C A
0574812078 A A A A A A A A
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0633758396 D B B B D B A A
0920623679 B B A A B B A A
0388837049 C B B B B B C A
0388837049 C B B B B B C A
0388837049 C B B B B B C A
0388837049 C B B B B B C A
0117687586 D B D B B B D A
0117687586 D B D B B B D A
0117687586 D B D B B B D A
0117687586 D B D B B B D A
0117687586 D B D B B B D A
0117687586 D B D B B B D A
0269984181 D B D A A A B B
0269984181 D B D A A A B B
0269984181 D B D A A A B B
0269984181 D B D A A A B B
0529211534 A A A A A A A A
0288464659 B B A A B B A A
0535167039 D A D A A A B A
0535167039 D A D A A A B A
0535167039 D A D A A A B A
0535167039 D A D A A A B A
0254022778 B B A A B B A A
0031844398 A A A A A A A A
0635080304 A A A A A A A A
0442548067 D A B A A A D A
0442548067 D A B A A A D A
0434110359 D A A A D A A A
0434110359 D A A A D A A A
0487228757 A A A A A A A A
0743212371 B B B B A A A A
0258841540 A A A A A A A A
0725186963 C B C A A A C B
0725186963 C B C A A A C B
0725186963 C B C A A A C B
0725186963 C B C A A A C B
0928030793 C A C A A A C A
0928030793 C A C A A A C A
0928030793 C A C A A A C A
0178851134 D A D A A A C A
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0792873939 A A A A A A A A
0848010461 A A A A A A A A
0729797904 A A A A A A A A
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0959758176 A A A A A A A A
0547209102 A A A A A A A A
0120707620 D A D A A A A A
0120707620 D A D A A A A A
0120707620 D A D A A A A A
0120707620 D A D A A A A A
0796508911 A A A A A A A A
0022575858 A A A A A A A A
0022575858 A A A A A A A A
0715087597 A A A A A A A A
0480545617 A A A A A A A A
0431801517 D B D A A A D B
0431801517 D B D A A A D B
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0331919724 A A A A A A A A
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0980966817 A A A A A A A A
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0933093587 A A A A A A A A
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0695322307 A A A A A A A A
0077455091 A A A A A A A A
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0392446292 A A A A A A A A
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0764629216 A A A A A A A A
0102177349 A A A A A A A A
0508639361 A A A A A A A A
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0260835396 C A A A C A A A
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0492235807 A A A A A A A A
0123654606 A A A A A A A A
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0952338784 D A C A A A D A
0952338784 D A C A A A D A
0728114734 A A A A A A A A
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0686953526 A A A A A A A A
0241593406 D A D A A A A A
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0659426002 A A A A A A A A
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0223085060 A A A A A A A A
0282804636 A A A A A A A A
0571738197 A A A A A A A A
0651345487 A A A A A A A A
0856204471 A A A A A A A A
0067065325 D A C A A A D A
0067065325 D A C A A A D A
0086017308 A A A A A A A A
0023974316 A A A A A A A A
0886770136 A A A A A A A A
0566920875 A A A A A A A A
0692547296 A A A A A A A A
0739646999 A A A A A A A A
0892518122 A A A A A A A A
0855990320 A A A A A A A A
0863097390 D A D A A A A A
0456987251 A A A A A A A A
0135162164 C B B B C A A A
0135162164 C B B B C A A A
0366150419 A A A A A A A A
0423144110 A A A A A A A A
0927336176 D A D A A A A A
0927336176 D A D A A A A A
0763645713 A A A A A A A A
0112136396 A A A A A A A A
0643541381 A A A A A A A A
0278002870 B B A A A A B B
0401491488 A A A A A A A A
0760153847 A A A A A A A A
0101278171 A A A A A A A A
0596982956 A A A A A A A A
0165457615 D A D A A A A A
0694841605 A A A A A A A A
0373837482 D A D A A A D A
0373837482 D A D A A A D A
0483350993 A A A A A A A A
0513986387 A A A A A A A A
0201987277 A A A A A A A A
0266065367 A A A A A A A A
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0240655264 A A A A A A A A
0287587008 A A A A A A A A
0290835161 A A A A A A A A
0772599191 A A A A A A A A
0192673727 D A D A A A A A
0990009519 A A A A A A A A
0151784710 A A A A A A A A
0479467036 A A A A A A A A
0806382502 A A A A A A A A
0259026149 A A A A A A A A
0183049945 A A A A A A A A
0366875787 A A A A A A A A
0843143985 A A A A A A A A
0885457732 D A D A A A D A
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0885457732 D A D A A A D A
0885457732 D A D A A A D A
0292092984 A A A A A A A A
0342886936 A A A A A A A A
0974734103 A A A A A A A A
0679182838 A A A A A A A A
0575299486 A A A A A A A A
0427419014 A A A A A A A A
0217597786 A A A A A A A A
0618695614 A A A A A A A A
0091498416 B B A A A A B B
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0716764292 A A A A A A A A
0841151241 A A A A A A A A
0268319640 A A A A A A A A
0335190030 A A A A A A A A
0841446794 A A A A A A A A
0542359005 C A A A A A C A
0656852916 A A A A A A A A
0341856517 A A A A A A A A
0505493829 A A A A A A A A
0651046526 D A C A A A D A
0651046526 D A C A A A D A
0651046526 D A C A A A D A
0193666342 A A A A A A A A
0474685692 A A A A A A A A
0566165254 A A A A A A A A
0875777529 C B A A A A C B
0963551260 A A A A A A A A
0868378588 A A A A A A A A
0455541062 A A A A A A A A
0327618950 A A A A A A A A
0113452836 D A D A A A A A
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0893901140 D A C A A A D A
0893901140 D A C A A A D A
0893901140 D A C A A A D A
0893901140 D A C A A A D A
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0604044409 A A A A A A A A
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0049055300 C C A A C C A A
0445041765 B B A A A A B B
0894453004 A A A A A A A A

 

Issuance Id Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade Final S&P Credit Loan Grade Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade
0820320884 A A A A A A A A
0588580161 A A A A A A A A
0448106681 A A A A A A A A
0012184588 A A A A A A A A
0545117571 D A A A A A D A
0545117571 D A A A A A D A
0508493137 B B B B A A A A
0098182298 B B A A A A B B
0519291206 B B A A A A B B
0519291206 B B A A A A B B
0679327661 C B A A A A C B
0679327661 C B A A A A C B
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Issuance Id Condition Category Condition Sub Category Condition Status Initial Securitization Condition Grade Final Securitization Condition Grade Initial S&P Condition Grade Final S&P Condition Grade
0820320884              
0588580161 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0448106681              
0012184588              
0545117571 Compliance Documentation Satisfied D A D A
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0679327661 Compliance RESPA Active B B B B
0679327661 Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0679327661 Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0201913754              
0757116660              
0837546803              
0131643972 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0131643972 Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0358212409 Property Valuations Appraisal Satisfied D A D A
0472587491 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0254013856              
0622741649 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0622741649 Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0495399448 Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0495399448 Credit Legal Documents Satisfied D A D A
0758393035              
0610713429 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0610713429 Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0610713429 Property Valuations Appraisal Satisfied C B C A
0610713429 Property Valuations FEMA Satisfied B A B A
0038041422 Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0674014055 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0929635416 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0838492108              
0809010456 Compliance Ability to Repay/Qualified Mortgage Active D D D D
0809010456 Compliance TILA/RESPA Integrated Disclosure Active C C C C
0809010456 Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0809010456 Credit Income/Employment Active C C C C
0809010456 Credit Income/Employment Active D D D D
0809010456 Credit Legal Documents Satisfied D A D A
0809010456 Property Valuations FEMA Satisfied C A C A
0778965382 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0778965382 Credit DTI Satisfied D A D A
0778965382 Credit Terms/Guidelines Active B B B B
0106154913 Credit Income/Employment Active B B B B
0106154913 Property Valuations FEMA Active B B B B
0172330528 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0891218827 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0126209341              
0301082076 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0301082076 Credit DTI Active B B B B
0301082076 Credit Income/Employment Satisfied D A D A
0301082076 Credit Terms/Guidelines Active B B B B
0301082076 Credit Terms/Guidelines Satisfied D A D A
0150413610 Compliance Borrower's Interest Active B B B B
0150413610 Compliance Finance Charge Tolerance Satisfied B B B B
0150413610 Compliance Finance Charge Tolerance Satisfied B B B B
0150413610 Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0150413610 Credit LTV/CLTV Active B B B B
0914444373 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0040688627 Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0040688627 Credit Credit/Mtg History Active B B B B
0040688627 Credit Terms/Guidelines Satisfied D A D A
0040688627 Property Valuations FEMA Active B B B B
0574812078              
0633758396 Credit Credit/Mtg History Active B B B B
0633758396 Credit LTV/CLTV Active B B B B
0633758396 Credit Terms/Guidelines Active B B B B
0633758396 Property Valuations Appraisal Active D B D B
0920623679 Property Valuations FEMA Active B B B B
0388837049 Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0388837049 Credit DTI Active B B B B
0388837049 Credit Terms/Guidelines Active B B B B
0388837049 Property Valuations FEMA Active B B B B
0117687586 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0117687586 Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0117687586 Credit Application Satisfied D A D A
0117687586 Credit Income/Employment Satisfied D A D A
0117687586 Credit Terms/Guidelines Active B B B B
0117687586 Property Valuations FEMA Active B B B B
0269984181 Compliance Right of Rescission  Active B B B B
0269984181 Credit Application Satisfied C A C A
0269984181 Credit Legal Documents Satisfied D A D A
0269984181 Credit Terms/Guidelines Satisfied D A D A
0529211534              
0288464659 Property Valuations FEMA Active B B B B
0535167039 Compliance Federal Consumer Protection Satisfied B A B A
0535167039 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0535167039 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0535167039 Credit Insurance Satisfied D A D A
0254022778 Property Valuations FEMA Active B B B B
0031844398 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0635080304 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0442548067 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0442548067 Credit Income/Employment Satisfied B A B A
0434110359 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0434110359 Property Valuations Appraisal Satisfied D A D A
0487228757              
0743212371 Credit Income/Employment Active B B B B
0258841540              
0725186963 Compliance Right of Rescission  Active B B B B
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0725186963 Credit Insurance Satisfied C A C A
0725186963 Credit Terms/Guidelines Satisfied C A C A
0928030793 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
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0178851134 Credit Insurance Satisfied D A D A
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0729797904              
0494857682 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
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0547209102              
0120707620 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
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0796508911 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
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0022575858 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0715087597              
0480545617              
0431801517 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
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0331919724              
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0438943043 Credit Income/Employment Active B B B B
0438943043 Credit Terms/Guidelines Satisfied D A D A
0438943043 Property Valuations FEMA Satisfied C A C A
0933093587              
0831279813 Credit DTI Satisfied D A D A
0173909637 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
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0077455091              
0375927908 Credit Terms/Guidelines Active D B D B
0009533626 Credit Income/Employment Satisfied D A D A
0009533626 Property Valuations FEMA Satisfied C A C A
0392446292 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
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0092760959 Credit Assets Satisfied D A D A
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0102177349              
0508639361              
0414295895 Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A
0260835396 Property Valuations FEMA Satisfied C A C A
0186365678 Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0186365678 Credit Terms/Guidelines Satisfied C A C A
0492235807 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0123654606 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0306494604              
0708006725 Credit Insurance Satisfied D A D A
0066764686 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0870641261              
0952338784 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0952338784 Credit Income/Employment Satisfied C A C A
0728114734 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0434531605 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0686953526              
0241593406 Credit Insurance Satisfied D A D A
0224741345 Property Valuations FEMA Satisfied C A C A
0659426002              
0541581629              
0223085060              
0282804636              
0571738197              
0651345487 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0856204471              
0067065325 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0067065325 Credit DTI Satisfied C A C A
0086017308              
0023974316 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0886770136              
0566920875              
0692547296              
0739646999              
0892518122              
0855990320              
0863097390 Credit Legal Documents Satisfied D A D A
0456987251              
0135162164 Credit Income/Employment Active B B B B
0135162164 Property Valuations FEMA Satisfied C A C A
0366150419              
0423144110              
0927336176 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0927336176 Credit Terms/Guidelines Satisfied D A D A
0763645713 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0112136396              
0643541381              
0278002870 Compliance Right of Rescission  Active B B B B
0401491488              
0760153847              
0101278171              
0596982956              
0165457615 Credit Terms/Guidelines Satisfied D A D A
0694841605              
0373837482 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0373837482 Credit DTI Satisfied D A D A
0483350993              
0513986387 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0201987277              
0266065367              
0438958127              
0240655264 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0287587008 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0290835161              
0772599191 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0192673727 Credit Terms/Guidelines Satisfied D A D A
0990009519              
0151784710              
0479467036              
0806382502              
0259026149              
0183049945              
0366875787              
0843143985              
0885457732 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0885457732 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0885457732 Credit DTI Satisfied D A D A
0885457732 Credit Income/Employment Satisfied C A C A
0292092984              
0342886936              
0974734103              
0679182838              
0575299486              
0427419014              
0217597786              
0618695614              
0091498416 Compliance Right of Rescission  Active B B B B
0598696324 Credit Assets Satisfied D A D A
0716764292              
0841151241              
0268319640              
0335190030 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0841446794              
0542359005 Compliance Right of Rescission  Satisfied C A C A
0656852916              
0341856517              
0505493829              
0651046526 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0651046526 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0651046526 Credit Re-Verifications Satisfied C A C A
0193666342              
0474685692 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0566165254              
0875777529 Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0963551260 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0868378588              
0455541062              
0327618950              
0113452836 Credit Application Satisfied D A D A
0113452836 Credit Application Satisfied D A D A
0288709677              
0865782369              
0404134359              
0962804784              
0079318135 Compliance Borrower's Interest Active B B B B
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0035437953 Credit Income/Employment Satisfied D A D A
0696273935              
0387025659              
0085573557 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0132271333              
0667166049 Credit Income/Employment Satisfied D A D A
0248271897              
0497950080 Compliance Right of Rescission  Active B B B B
0214265832              
0601450214              
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0983446610              
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0976820962              
0222181693 Compliance Compliance Manual Satisfied D A D A
0222181693 Compliance RESPA Active B B B B
0222181693 Credit Terms/Guidelines Satisfied C A C A
0966893912 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0966893912 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0966893912 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0966893912 Credit DTI Satisfied D A D A
0186077186              
0091558556              
0514588845 Property Valuations Appraisal Satisfied C B C A
0514588845 Property Valuations FEMA Satisfied C A C A
0225945982 Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0210212786              
0597379611 Compliance RESPA Active B B B B
0406639347              
0611632967 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0611632967 Compliance RESPA Active B B B B
0611632967 Credit Income/Employment Satisfied D A D A
0143166631 Credit Insurance Satisfied C B C B
0981694492              
0655513132 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0003806968              
0363248524 Credit Insurance Satisfied D A D A
0226111547              
0479414942 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0657287070 Credit Assets Satisfied D A D A
0283469299 Compliance RESPA Active B B B B
0283469299 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0283469299 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0431651477              
0229788637              
0592905580 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0592905580 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0052345282              
0442942295              
0760347125              
0274440816              
0781452192              
0254631601              
0948574264              
0414829830 Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0119890972 Compliance RESPA Active B B B B
0135301233              
0987792964              
0671548283 Compliance RESPA Active B B B B
0671548283 Compliance RESPA Active B B B B
0671548283 Compliance RESPA Satisfied D A D A
0712208302 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0712208302 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0556655652 Property Valuations Appraisal Satisfied C B C A
0556655652 Property Valuations FEMA Satisfied B A B A
0333599636              
0124049247              
0070250346 Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0216907128 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0216907128 Credit Income/Employment Satisfied D A D A
0574237189              
0783687948 Compliance RESPA Active B B B B
0423064695 Property Valuations Appraisal Satisfied D A D A
0893901140 Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0893901140 Compliance Documentation Satisfied D A D A
0893901140 Credit Assets Satisfied C A C A
0893901140 Credit Credit/Mtg History Satisfied C A C A
0893901140 Credit Terms/Guidelines Satisfied C A C A
0940694353 Property Valuations Appraisal Satisfied C B C A
0940694353 Property Valuations FEMA Satisfied B A B A
0604044409              
0510533426 Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0440403424 Compliance Documentation Satisfied D A D A
0371628236              
0049055300 Property Valuations Appraisal Satisfied C B C A
0049055300 Property Valuations FEMA Satisfied B A B A
0049055300 Property Valuations Value Active C C C C
0445041765 Compliance Right of Rescission  Active B B B B
0894453004              

 

Issuance Id Condition Code Condition Description Condition Material Indicator Initial Comments Client/Seller Response Comments
0820320884          
0588580161 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied.  (No Data)
0448106681          
0012184588          
0545117571 CMPDOC225 Missing Rider No Per appraisal and legal description, property is a PUD.  PUD rider missing from mtg. 9.21.20 - Client responded. Unable to procure; looks like a PUD Rider was not executed with the Security Instrument6/1/21: updated mortgage with Rider provided
0545117571 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0508493137 CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing VOE for both borrowers within 10 business days prior to the Note date XXX as required by DU; VOEs provided are dated 2/13/21. Note date is XXX (No Data)
0098182298 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file required  (No Data)
0519291206 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file (No Data)
0519291206 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0679327661 CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No Missing list of homeowners counseling organizations provided with in 3 days of application date of XXX (No Data)
0679327661 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure (No Data)
0679327661 CMPTRID3552 TRID - Loan Estimate not timely No Missing proof borrower received loan estimate 6.29.2021 - Client responded:  Disagree: The required six pieces of information for Initial application were taken face to face on XXX. The Initial LE was part of the Initial Disclosures package eDelivered to the borrower on XXX. The Initial Disclosures package was opened and acknowledged by the borrower on XXX and meets timing. Please see attached document tracking.6.29.2021 - Disclosure tracking provided shows LE XXX received by borrower XXX.  However, based on documents provide in original file, initial app date was XXX.  Initial 1003 in file is not signed or dated by loan originator.  Credit report provided pulled XXX.  Initial DU with purchase address first submission date XXX.  Internal UW decision summary dated XXX.  Documentation delivery cover sheet (pg 1144) shows docs sent to borrower XXX.  e consent provided shows edelivery esign status of XXX.LE issued XXX was not provided within 3 days of initial applicxtion date.7.1.21: lender provided system evidence app was not ready until XXX
0679327661 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing evidence borrower received loan estimate date XXX 6.29.2021 - Client provided disclosure tracking showing borrower received LE XXX
0201913754          
0757116660          
0837546803          
0131643972 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0131643972 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Initial CD dated XXX , Final CD in file Dated XXX signed on XXX, three day waiting period not met. Closing date was also XXX per the Final CD and Note.  3.16.21 - Client responded. Disagree: CD#XXX was eDelivered on XXX CD#XXX was opened and acknowledged by the borrower on XXX. XXX considers this in hand delivery and meets timing for XXX closing date. See attached document tracking.
0358212409 PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Missing a 1004D reflecting property is complete per specifications with photos showing work complete; 1004D provided reflects kitchen appliances are not installed and Upper level and basement bathrooms are not finished.   3.12.21 - Client responded. "This is an agency loan.The 1004d final inspection indicates kitchen appliances were missing and a few of the baths to be incomplete.  Note that appliances are personal property and not something we require are validated (they are not part of the mortgage and personal property only).  The photos of the baths show they are substantially completed, but there were paint touch-ups remaining and a shower head to be installed (note the tape pointing these out in photos on the 1004d and shower head photo near the end).  These are all items an underwriter can write around and logic  we do not need the property to be 100% completed for the loan to be salable to FNMA/FHLMC as these would have no impact on value/marketability.Finished photos of these areas was also included in the loan file (attached) from the customer showing the appliances were installed and baths completed.  We also had a Certificate of Occupancy Permit in file."
0472587491 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0254013856          
0622741649 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied.  (No Data)
0622741649 CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No Zero tolerance fail in the amount of $555 due to increase of appraisal fee from $515 on last LE to $1070 on CD's.  Lender provided a cure for $410.00.  Additional refund of $145 is due to borrower along with LOX, PCCD and proof of delivery. 5.27.2021 Client responded:  Agree: LE XXX disclosed Appraisal fee as $515.00. Initial CD XXX disclosed Appraisal fee increased to $1,070.00, without a valid Change Circumstance. The $410.00 Over Tolerance credit was applied to the $555.00 increase of the Appraisal fee. The borrower would be due an additional refund of $145.00 to cure the 0% fee tolerance category. Remedy with $145.00 refund and updated PC CD reflecting the additional $145.00 over tolerance credit required to cure the defect.8.11.2021 - Client provided PCCD, LOX, Copy of $145 refund check
0495399448 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing acknowledgment of CD XXX at least 3 days prior to consummation XXX 6.29.2021 - Client responded:  Disagree: CD# XXX was eDelivered on XXX. CD#XXX was opened and acknowledged by the borrower on XXX. XXX considers this the same as in hand delivery and meets timing for closing on XXX. Please see attached document tracking. 6.29.2021 - Clayton reviewed disclosure tracking provided.
0495399448 CRDLGL100 Legal document incorrect or incomplete No The following XXX legal forms are incomplete: 1) Loan Security agreement is missing Certificate Number of XXX . 2) XXX Assignment of Proprietary lease form XXX is not signed/dated. 3) Stock Power form XXX does not reflect the Stock certificate number or attorney's name. 4) Recognition agreement is not signed by XXX representative. Provide the above referenced four forms with all information completed.   6.24.21: Item 1 & 3) Unable to find form XXX or Loan Security Agreement with the Stock certificate number or attorney name. Attached is a copy of the Stock Certificate with Stock number XXX. Item 2) Signed Proprietary lease form is attached. Item 4)Signed  Cooperative Recognition Agreement attached"8.4.21: lender provided updated security agreement; clarifies the empty data field on stock power doc is correct for now as it is to be filled in only if there is a default
0758393035          
0610713429 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A (No Data)
0610713429 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Initial CD XXX with a closing date of XXX.  Loan closed prior to the end of waiting period; 3 day waiting period not met. 6.22.2021 - Client responded:  Disagree: Borrower CD XXX was eDelivered on XXX.  CD XXX was opened and acknowledged by borrowers on XXX considers in hand delivery and meets timing for XXX closing date.  See attached document tracking6.22.2021 - Clayton reviewed internal tracking document provided showing CD XXX edelivered to borrower XXX.
0610713429 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0610713429 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No  No inspection since the XX-XX-XXXX XX-XX-XXXX XXXX disaster. 6.23.21: inspection received, no damage
0038041422 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing acknowledgment of initial CD XXX at least 3 days prior to consummation. 6.29.2021 - Client responded:  Disagree: CD XXX was eDelivered on XXX. CD XXX was opened and acknowledged by the borrower on XXX. XXX considers this the same as in hand delivery and meets timing for closing on XXX. Please see attached document tracking.6.29.2021 - Client provided documentation initial CD received 3 days prior to consummation.
0674014055 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0929635416 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0838492108          
0809010456 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Yes Missing evidence that borrower's ownership interest in XXX is less than XXX and evidence that his relocation to TX from WA will not impact his income.  6.23.21: There is no evidence in file or in loan notes that evidence was obtained for the percentage of ownership for XXX. No tax returns on K1's are in file.
0809010456 CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. Yes Per client fee should be in 10% bucket causing new tolerance fail for $463.13. 6.29.2021 - Client rebuttal:  Disagree: Ten percent aggregate baseline includes Title Services and Recording Fees per fee placement on the consummation CD (Section B 10% fees). Fees that were not disclosed in Section C of the LE, but are added to Section B of the CD and are considered title related are subject to a ten percent aggregate baseline tolerance. Aggregate 10% fees on the initial LE were disclosed in the amount of $4,120. Aggregate 10% fees on the consummation CD were charged in the amount of $661.13. Fee total on consummation CD does not exceed 10% tolerance therefore no refund would be due. This is not a defect so no corrective action is required.6.29.2021 - Per internal compliance review team putting fee in 10% bucket causes a fail of $463.13.  Please provide 10% testing document used to calculate 10% fee testing.7.1.21: "Agree: Title-Survey fee $487.13 was added to section B on the initial CD issued XXX and remained through the final CD issued XXX. This title fee was not previously disclosed, meaning it would count toward the ten percent tolerance category. Ten percent tolerance fees increased outside of the legal limit by $463.13. Borrower due a refund in the amount of $463.13 as well as a LOX and corrected PC CD to show over tolerance verbiage to remedy.
0809010456 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Zero tolerance fail for $487.13.  Title - survey was added to section B of initial and final CD.  This was not disclose on LE and no COC was provided disclosing addition of fee.  Borrower is due a refund of $487.13, LOX, PCCD, and proof of delivery. 6.29.2021 - Client rebuttal:  Disagree: Ten percent aggregate baseline includes Title Services and Recording Fees per fee placement on the consummation CD (Section B 10% fees). Fees that were not disclosed in Section C of the LE, but are added to Section B of the CD and are considered title related are subject to a ten percent aggregate baseline tolerance. Aggregate 10% fees on the initial LE were disclosed in the amount of $4,120. Aggregate 10% fees on the consummation CD were charged in the amount of $661.13. Fee total on consummation CD does not exceed 10% tolerance therefore no refund would be due. This is not a defect so no corrective action is required.6.29.2021 - sent to Internal compliance review team as it is now failing 10% by $463.13. 
0809010456 CRDINC150 Income docs do not meet guidelines Yes Guidelines require evidence of less than XXX ownership to be considered a wage earner. Lender provided paystubs indicate borrower receiving Shareholder income and VVOE dated XXX indicates position as XXX. Provide satisfactory evidence that the borrower has less than XXX.  6.23.21: There is no evidence in file or in loan notes that evidence was obtained for the percentage of ownership for XXX No tax returns on K1's are in file.
0809010456 CRDINC3204 Income Documentation Missing Yes Guidelines require qualifying income be stable and reliable.Borrower is relocating from WA to TX - Provide satisfactory evidence that XXX relocated the borrower to TX with no negative impact on income. 6.23.21: There is no evidence in file to address the relocation from WA to TX. The WVOE does not address the borrowers relocation or job stability for relocation. Unable to locate any information in the loan file or loan notes in regards to the customer relocation and  job.
0809010456 CRDLGL100 Legal document incorrect or incomplete No Deed of Trust and PUD Rider were corrected to reflect address as XXXNote reflects address as XXXProvide revised Note. 6.23.21: doc provided, address is XXX
0809010456 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since the X-XX-XX declaration date, X-XX-XX effective date, FEMA disaster XXXX Declaration #XXXX. Clayton will order Property Inspection report.  6.30.21: doc received
0778965382 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing evidence of proposed new mortgage payment on rental property disclosed in lender notes to be $1840.30. 2.11.21 - Client responded. Closing Disclosure attached for the projected XXX payment of $1842.15 on rental property XXX disclosed in lender notes
0778965382 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing evidence of new refinanced payment for property located at XXX for $1840.30 PITIA.  2.11.21 - Client responded. Closing Disclosure attached for the projected XXX PITIA payment of $1842.15 for non-subject property XXX
0778965382 CRDTER3122 Loan documents do not meet guideline requirements No Lender approved exception for payoff of three non-mortgage revolving accounts to qualify without requiring account closure. Clayton deems non-material due to the following compensating factors: 40% equity in subject property, High level of residual income and good cash reserves.  (No Data)
0106154913 CRDINC150 Income docs do not meet guidelines No Approved lender exception for XXX Income analysis - XXX less than cash flow.Clayton deems non-material due to the following compensating factors: Long term XXX since 2005, Low LTV at 14.57, decrease of $241.66 in housing and long term property ownership of nearly 40 years.  (No Data)
0106154913 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since the XX-XX-XXXX declaration date, XX-XX-XXXX effective date, FEMA disaster XXXX Declaration #XXXX.  (No Data)
0172330528 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0891218827 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0126209341          
0301082076 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing 2019 w-2 to complete income verification. 2.24.21 - Client responded. 2019 w2's not required. WVOE's to support 2019 income verification for both borrowers attached. 
0301082076 CRDDTI105 Debt Ratio Exception 5% or Less No Lender approved exception for DTI greater than 43% with Accept/Approve decision on Occupant and non-occupant co-borrower. Clayton deems non-material due to the following compensating factors: Decreased housing expense of $73 per month, History of maintaining similar housing expense and long term employment.   (No Data)
0301082076 CRDINC2408 Income verification does not meet guidelines No Guidelines require the most recent two years w-2s or a fully completed Verification of employment. Lender provided 2018 & 2017 w-2s and a full VOE dated 11-4-19 for co-borrower. Provide missing 2019 w-2 for co-borrower.  2.24.21 - Client responded. "2019 w2 for co-borrower not required. Income documentation was sufficient to meet guidelines. 2017-18 w2's, WVOE (2019 earnings thru 10-31) and paystub(s) support total monthly income used to qualify for co-borrower. 2017 gross earnings = $60,044.472018 gross earnings = $57527.072019 YTD gross earnings (thru 10-31) = $483892081.25 x 24 = $49950/12 = $4162.50 monthly salary 2018 overtime $5321 + 2019 overtime $7127 + 2020 YTD overtime $1659.82 = $14107.82/28 mos = $503.85 28-month avg $4162.50 (salary) + $503.85 (overtime) = $4666.35 total monthly qualifying income "
0301082076 CRDTER3122 Loan documents do not meet guideline requirements No Lender approved exception for paying off revolving account at closing without closing account with Accept/Approve decision on borrower and non-occupant co-borrower. Clayton deems non-material due to the following compensating factors: Decreased housing payment by $73 per month, History of maintaining similar housing payment and long term employment.  (No Data)
0301082076 CRDTER2548 Missing AUS or AUS errors present No Lender provided AUS reflecting income for borrower 1 input as salary of $6987.02, when borrower's salary is $5,516.68 with additional bonus income of $1,452.86. Inputting bonus as a separate item as it should be would changes the AUS requirements as bonus income generally requires 2 years W2's or WVOE and current AUS is only asking for one.   2.24.21 - Client responded. "2017-18 w2's & WVOE for borrower 1 attached. 2017 w2 = $54219.04 (XXX)2018 w2 = $92048.51 WVOE = 2019 earnings $83844.29 ($66409.95 base + $17434.34 bonus)$1273.08 x 52 = $66200.16/12 = $5516.68 monthly salary bonus $17434.34/12 = $1452.86 monthly 5516.68 (salary) + 1452.86 (bonus) = $6969.54 total monthly qualifying income"
0150413610 CMPBI1597 MN Home Loan - Tangible Net Benefit Worksheet is Not in File - Fed Inst No Missing Tangible Net Benefit worksheet.  (No Data)
0150413610 CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final CD XXX Finance charge disclosed as $XXX.  Review calculates finance charge to be $XXX.  PCCD XXXX cures this as finance disclosed is $XXX.  Exception satisfied. (No Data)
0150413610 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No Final CD XXX Amount Financed disclosed as $XXX.  Review calculates Amount Financed to be $XXX.  PCCD XXX cures this as finance disclosed is $XXX.  Exception satisfied. (No Data)
0150413610 CMPTRID4056 TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount No Final CD XXX Total of Payments disclosed as $XXX  Review calculates Total of Payments to be $XXX.  PCCD XXX cures this as finance disclosed is $XXX  Exception satisfied. (No Data)
0150413610 CRDLTV107 LTV Exception 5% or Less No Approved Lender exception for DTI over XXX% with credit score les than 760 and the engine of record is LP.Clayton deems non-material due to the following compensating factors: Decreasing housing expense, significant reduction in monthly payments ($951.79), long term property ownership of over 21 years and additional income not used to qualify (Non-taxable Social security income was not grossed up).  (No Data)
0914444373 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0040688627 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Zero tolerance fail in the amount of $1556.25.  Relock at XXX fee was added to initial CD XXX that was not disclosed on last LE XXX.  No COC was provided to borrower disclosing addition of this fee.  Borrower is due a refund of $1556.25, LOX, PCCD, and proof of delivery. 2.12.21 - Client responded. Disagree: The CD issued XXX disclosed an addition of a Relock at XXX fee in the amount of $1556.25, with a valid change circumstance reason of Price change relock at XXX with interest rate decrease and points added. Date of knowledge was XXX, meets 3 day timing. Copy of changed circumstance is attached.
0040688627 CRDCRMH123 No evidence of required debt payoff No AUS requires evidence that the closed XXX lease account is paid in full.    (No Data)
0040688627 CRDTER2548 Missing AUS or AUS errors present No Guidelines require that all debt be captured in AUS report. AUS report is missing XXX debt of $XXX and $XXX required contribution to XXX.  2.11.21 - Client responded. "1- Per policy, some revolving accounts require payment in full monthly. No payment is included in the total monthly obligations because the entire balance will be paid. The decisioner should consider the adequacy of available cash assets to pay the outstanding balance. The loan file includes evidence to support the customer has sufficient funds to pay the unpaid XXX balance (debt).  2- In accordance to the XXX, borrower shall contribute $XXX annually to a retirement plan for XXX. This is not a monthly obligation. The loan file includes evidence to support the borrower has sufficient funds (cash assets) to pay this yearly contribution"
0040688627 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since the XX-XX-XXXX declaration date, XX-XX-XXXX effective date, FEMA disaster XXXX Declaration #XXXX.  (No Data)
0574812078          
0633758396 CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Approved Lender Exception for Credit history Failure to obtain available credit Bureau for any borrower. Customer ProfileSummary 2 borrower Married filed joint US citizens moved to XXX  for employment. Borrower only recentlyMoved to XXX. Not requiring Anthem report be obtained for overseas credit. Sufficient depth documentedin recent US based credit history. Clayton deems non-material based on compensating factors of 792qualifying score. Min required per guidelines is 680, DTI is 38.32% max per guidelines is 43% and Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves. (No Data)
0633758396 CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5% No Approved Lender Exception for LTV or CLTV over maximum allowed. Per guidelines max allowed is 75% and borrower at 79.99%. Clayton deems non-material based on compensating factors of 792qualifying score. Min required per guidelines is 680, DTI is 38.32% max per guidelines is 43% and Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves. (No Data)
0633758396 CRDTER3262 Property issues indicated No Approved Lender Exception for 2nd home - coop combo. The borrowers are refinancing the subject property and purchasing the unit next door. They currently own XXX and are purchasing  XXX. 12 month seasoning was not met prior to NSD date however as of closing 12 months will be exceeded. Logging Exception due to timing only and to address the risk. Actual LTV/CLTV under 75% at 71.2% and risk is acceptable. Borrowers have strong overall profile and warrant exceptions noting exceptional PCL of over 58 months and or over $700K Residual income of over $46K a month, Low housing ratios at 21% increased earnings as well seen. Risks are Acceptable collateral supported in value and marketability combinations in this market are typical and acceptable. Clayton deems non-material based on compensating factors of 792qualifying score. Min required per guidelines is 680, DTI is 38.32% max per guidelines is 43% and Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves. (No Data)
0633758396 PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Subject had no repairs but they are buying the apartment next door, once brought there will be improvements done to the home.THE APPRAISAL IS MADE "SUBJECT TO" WITH NO REPAIRS/CONDITIONS NOTED & IS COMPLETED WITH SECURE DIGITAL SIGNATURES AND PHOTOGRAPHS. 3.25.20 - Client responded. See attached Escrow Agreement showing that the property will not be completed until 8/20/20, thus no final inspection yet.3.25.20 - Clayton has reviewed and Escrow Agreement has been provided and funds required to cure. Clayton deems non-material but client will need Completion Cert prior to sale of loan to any agencies. 
0920623679 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since the XX-XX-XXXX declaration date, XX-XX-XXXX effective date, FEMA disaster XXXX #XXXX.  (No Data)
0388837049 CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No Zero tolerance fail in the amount of $937.50.  Relock at XXX fee was charged on Last LE XXX and all subsequent CD's provided.  No COC was provided disclosing additional fee to borrower.  Lender credit for increase in closing costs above legal limit provided for $104.40.  Borrower is due additional refund of $833.10, LOX, PCCD, and proof of delivery 2.12.21 - Client responded. Disagree:  Relock at XXX is present on LE issued XXX. Per XXX internal tracking, a Change Circumstance for Relock at Market Rate was provided on XXX, and meets 3 day timing. See attached copy of Changed Circumstance
0388837049 CRDDTI105 Debt Ratio Exception 5% or Less No Approved Lender exception for DTI greater than 45% with credit score less than 760 and the engine of record is LP with no reserves. Clayton deems non-material due to the following compensating factors: Decreased housing by $843.74 per month, decrease in other monthly debt of $489 per month, long term home ownership of over 11 years and over 13 years on job.  (No Data)
0388837049 CRDTER3122 Loan documents do not meet guideline requirements No Approved Lender exception for Paying off revolving account but not closing accounts. Clayton deems non-material due to the following compensating factors: Decreased housing by $843.74 per month, decrease in other monthly debt of $489 per month, long term home ownership of over 11 years and over 13 years on job.  (No Data)
0388837049 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since the XX-XX-XXXX declaration date, XX-XX-XXXX effective date, FEMA disaster XXXX Declaration #XXXX.  (No Data)
0117687586 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing Written VOE with 2019 year to date for XXX to support income used to qualify.  2.11.21 - Client responded. "2017 W-2 XXX $19,544.24/12 = $1628.69/mo2018 W-2 XXX $22,379.33/12 = $1864.94/moXXX semi-monthly paystub, pay date 12/06/19 = $1134.38 XXX semi-monthly paystub, pay date 12/20/19 = $1134.38Underwriter used 2018 W-2 for final income calculation to qualify supported by 2019 monthly pay of $2268.76"
0117687586 CMPTRID4056 TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount No Final CD XXX and PCCD XXX - Total of payments disclosed as $ 573083.06.  Review calculates total of payments to be $ 573120.94.This difference is caused by - prepaids (section F)shows prepaid interest from 3/1/2020 to 3/1/2020 which should be $0.00, however, Per diem disclosed is $-37.88. 2.12.21 - Client responded. Disagree: Final CD date issued XXX and post close CD date issued XXX disclosed total of payments as $573083.06. Calculated Total of Payments is $573083.18.
0117687586 CRDAPP4625 The orig file does not contain a third party fraud report No Missing Fraud report for Borrower 3- C XXX 2.8.21 - Fraud report ordered and provided. No issues. 
0117687586 CRDINC2408 Income verification does not meet guidelines No Guidelines require income verification include Year to date earnings. Lender used income from XXX for Borrower 1 and the paystubs do not reflect year-to-date.Provide satisfactory Written Verification of Employment with Year to date supporting income used to qualify.  2.11.21 - Client responded. "2017 W-2 XXX $19,544.24/12 = $1628.69/mo2018 W-2 XXX $22,379.33/12 = $1864.94/moXXX semi-monthly paystub, pay date 12/06/19 = $1134.38 XXX semi-monthly paystub, pay date 12/20/19 = $1134.38Underwriter used 2018 W-2 for final income calculation to qualify supported by 2019 monthly pay of $2268.76"
0117687586 CRDTER3122 Loan documents do not meet guideline requirements No Approved Lender exception for DTI greater than 43% for Occupant ratio with Accept/Eligible due to Non-occupants with grossed up non-taxable income and credit score less than 760 and the engine of record is DU. Clayton deems non-material due to the following compensating factors: Borrower is reducing overall monthly debt by $689.85 per month and borrower has a 27 month mortgage history with no late payments.  (No Data)
0117687586 PRVAFEMA229 Natural Disaster Area, Subseq inspect prior to Disaster (Public) No No inspection since the XX-XX-XXXX declaration date, XX-XX-XXXX effective date, FEMA disaster XXXX XXXX Declaration #XXXX.  (No Data)
0269984181 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0269984181 CRDAPP131 Occupancy status not supported by file documentation No Occupancy status is listed as primary residence, however both borrowers reside at a different address. Notes in file indicate that the property is a second home that borrowers elderly mother lives in.Guidelines require satisfactory documentation to support the parent is unable to work or does not have sufficient income to qualify for a mortgage on his or her own to consider property owner occupied when child (borrower) is not occupant.Provide satisfactory evidence to support parent lives in subject property and is unable to work or does not have sufficient income to qualify for subject mortgage on his or her own.  2.11.21 - Client responded. Borrower email obtained (attached) for satisfactory evidence to support elderly parent occupies the subject property, loan purpose and motivation. 2.11.21 - Clayton has reviewed and email LOE acceptable. 
0269984181 CRDLGL100 Legal document incorrect or incomplete No Guidelines require that the title vesting match the legal documents.Title is vested as XXX 2017 Revocable Trust dated XXX Legal documents (Note, Deed of Trust and Inter Vivos Revocable Trust Rider) reflect XXX under trust instrument dated XXX. Notes in file indicate lender has received corrected Note, however it is not in file provided for review.   2.11.21 - Client responded. Corrected Note provided. 
0269984181 CRDTER2548 Missing AUS or AUS errors present No Guidelines require all debts including closed accounts be included in ratios.    AUS with a DTI of 24.52% reflects XXX being omitted, however file does not evidence account being paid in full.  2.11.21 - Client responded. This debt should be included in the DTI. Debt was excluded as Authorized User. B2 is an Authorized User of XXX for B1. Corrected DTI 25.85%
0529211534          
0288464659 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since the XX-XX-XXXX declaration date, XX-XX-XXXX effective date, FEMA disaster XXXX Declaration #XXXX. (No Data)
0535167039 CMPFDCP4395 Flood Insurance - Property requires flood insurance; no evidence that the premiums are escrowed. No Flood cert on page 70 verifies Flood Zone AE and file contains Flood Hazard Notice and Required Escrow Account for Flood Insurance  and flood insurance not found and CD signed XXX does not indicate any flood insurance escrow was obtained. 3.20.20 - Client responded. See attached Flood Cert that was rechecked and revised to show that subject property was not in a flood zone.
0535167039 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0535167039 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0535167039 CRDINSR865 Missing proof of flood insurance in File No Flood cert on page 70 verifies Flood Zone AE and file contains Flood Hazard Notice and Required Escrow Account for Flood Insurance  and flood insurance  not found. 3.20.20 - Client responded. See attached Flood Cert that was rechecked and revised to show that subject property was not in a flood zone.
0254022778 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since the XX-XX-XXXX declaration date, XX-XX-XXXX effective date, FEMA disaster XXXX Declaration #XXXX.  (No Data)
0031844398 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0635080304 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0442548067 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing evidence from Washington state corporations that business is not inactive. 4.6.21 - Client responded. Evidence business XXX is active, 2 attachments, to include business profile & details.
0442548067 CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No XXX VVOE provided with Washington state corporations lookup reflecting business with inactive date of XXX. Provide satisfactory evidence from state corporations that business is active.  4.6.21 - Client responded. Evidence business XXX is active, 2 attachments, to include business profile & details.
0434110359 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0434110359 PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Missing appraisal completion 1004D reflecting the requirements have been completed; 1004D dated XXX reflects per email from builder on XXX the occupancy permit has not been granted and the final inspection has not been completed.  Occupancy Permit provided on XXX however the Final Inspection is still required along with 1004D reflecting these requirements have been met.  3.18.21 - Client responded. Final inspection was cleared when the Occupancy Permit was issued.  Unable to procure a 1004D with requirements showing subject complete.
0487228757          
0743212371 CRDINC150 Income docs do not meet guidelines No Lender approved exception for cash flow review of income.Clayton deems non-material due to the following compensating factors: Credit score of 797, 41% LTV, payment reduction of $766.67. (No Data)
0258841540          
0725186963 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0725186963 CMPROR114 ROR - Right of Rescission not executed by all title holders No No ROR in file signed by Non Borrower Spouse. Right of Rescission not executed by all title holders. 2.24.21 - Client responded. Agree: Vested non-borrowing spouse XXX  did not sign the Notice of Right to Cancel. No evidence for release of property rights. 5.10.21 - Client responded. Copy of LOE and ROR's to borrower and non-borrowing spouse provided as required. 
0725186963 CRDINSR289 Insufficient Hazard Insurance Coverage No Homeowners policy in file does not show guaranteed replacement cost, nor does the file contain the insurable value breakdown by the Insurance Company.  Please provide proof of GRC or the breakdown. 2.24.21 - Client responded. Sufficient hazard insurance coverage. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. See "Forms, Options, & Endorsements" section on declarations page of policy. XXX Insurance policy & XXX hazard insurance details page attached. 
0725186963 CRDTER3262 Property issues indicated No According to XXX Guides B2-3-04 under Special Property Eligibility Considerations (12/16/20) Accessory Dwelling Units the ADU must be subordinate in size to the primary dwelling. Property has 3 Dwellings on it. The Primary dwelling of which the borrower lives in is not being counted as it is an unpermitted build. It is being counted only as storage. The 2 ADU's of which renters or family members live in are of the same exact size. Although both are smaller than the dwelling that borrower lives in but is not being counted....XXX only allows 1 ADU. It doesn't seem any of this fits into Fannie Mae's guides for ADU. It should also be noted that the appraisal was completed on a 1004 form and the property is actually multi family therefore 1025 form should have been used.  2.24.21 - Client responded. "Property approval & ADU Questionnaire attached.Per appraiser:This assignment requires geographic competency as required by USPAP. I have spent sufficient time in this market and understand the nuances of the local market and the supply and demand factors relating to the specific property type and location. The subject is a legally permissible use based on its current zoning. Also, the lot size, shape and land-to-building ratio allow the present structure and indicate a good utilization of the improvements. Based on current market conditions, the existing structure as a SFR with accessory unit is its financially feasible and maximally productive use. The highest and best use, as if vacant, would be to construct a SFR with accessory unit. 1st dwelling is main, 2nd dwelling accessory, 3rd building is permitted as Ag workshop. "
0928030793 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0928030793 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing acknowledgement of Initial CD XXX at least 3 days prior to consummation XXX. 7.8.2021 - Client responded:  Disagree: CD# XXX was eDelivered on XXX. CD#XXX was opened and acknowledged by the borrower on XXX. XXX considers this in hand delivery and meets timing for XXX closing date. Please see attached document tracking.
0928030793 CRDTER3122 Loan documents do not meet guideline requirements No Hazard insurance policy dated XXX is missing page 4.  7.6.21: Evidence of hazard insurance was acceptable. Policy declarations contain all guideline requirements. Evidence of insurance and insurance binder attached. 
0178851134 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing acknowledgment of receipt of  Initial CD XXX at least 3 days prior to consummation XXX. 6.29.2021 - Client responded:  Disagree: CD#XXX was eDelivered on XXX. CD#XXX was opened and acknowledged by the borrower on XXX. XXX considers this the same as in hand delivery and meets timing for closing on XXX. Please see attached document tracking.6.29.2021 Clayton reviewed tracking provided.
0178851134 CRDINSR3278 Hazard Insurance documentation in file is incomplete No Guidelines require that the Master Coop HOI reflect the amount of Building coverage. Lender Underwriter Certificate Review reflecting building coverage of $XXX, however Master Coop HOI does not reflect building coverage.Provide Master Coop HOI reflecting building coverage of $XXX.  6.23.21: doc provided
0792873939 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0848010461          
0729797904          
0494857682 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof of the homeowners insurance premium amount for the property located at XXX as required to be QM. 4.26.21 - Client responded. Verification of homeowners insurance premium amount for the non-subject property located at XXX attached. $840/12 = $70/monthly
0494857682 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing proof of the homeowners insurance premium amount for the property located at XXX 4.26.21 - Client responded. Verification of homeowners insurance premium amount for the non-subject property located at XXX attached. $840/12 = $70/monthly
0959758176          
0547209102          
0120707620 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0120707620 CRDDTI134 Debt Ratio Exception =>10% No Clayton's review results in a 39.80% DTI, which exceeds the DU 22.67% DTI by more than the 3% tolerance; review calculated subject PITIA $4,340.81 + REO Departure PITIA $6,710.80 + other debts $783/total qualifying income $29,733.45= 39.80%.  DU requires that the monthly payment for the $415K funds drawn from the XXX HELOC which were deposited into the XXX XXX acct on 1/15/21, being secured by the departure residence, be considered in the DTI.  DU also requires evidence for omission of the departure mortgage with XXX which is also secured against the departure.  There is evidence in file that the departure will not be sold until after this subject transaction.  The sellers on this loan are purchasing the departure at XXX and purchase contract provided reflecting close date of XXX (or sooner) with no evidence that transaction closed prior to this subject closing on XXX.   3.22.21 - Client responded.  Exclusion of the departure PITIA to include XXX and XXX HELOC payments in final DTI for property XXX (departure) acceptable per Agency guidelines.3.22.21 - Clayton has reviewed and recalculated DTI. 
0120707620 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing the terms for the XXX HELOC which was fully disbursed to the borrowers on XXX for funds required to close and reserves.  The HELOC is secured by the departure residence which will not sell until after this transaction.   3.22.21 - Client responded.  Terms for the XXX HELOC secured by the departure residence not required. Per Agency guidelines, requirements were met to exclude in final decisioning.
0120707620 CRDTER2548 Missing AUS or AUS errors present No Provide an updated AUS/DU approve/eligible reflecting the departure residence PITIA being considered in the DTI to result in a 39.80% DTI; DU qualifying DTI is 22.67% and review's consideration exceeds the 3% tolerance.  3.22.21 - Client responded.  No updated AUS required.  Per Agency guides, apply the policy when the current primary residence is pending sale, but will not be sold (closed) prior to the closing date of the new residence:  If the mortgage file contains the following, exclude the amount of payment on the property pending sale (departure residence) when calculating the monthly debt payment to income ratio:  1- The customer's executed non-contingent sales contract for the previous residence  2- If the executed sales contract includes a financing contingency, a lender's commitment to the buyer of the previous residence. Executed sales contract & lender's commitment to the buyer for the departure residence attached.
0796508911 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied.  (No Data)
0022575858 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0022575858 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0715087597          
0480545617          
0431801517 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of paid off mortgage reflected on tax returns for property named XXX and evidence that borrower sold property located at XXX in 2020 as reflected on 2019 tax returns and not reflected on application. Subject to income recalculation.  3.24.21 - Client responded. XXX report pg's 14-15 reflects evidence property XXX (XXX) was paid off XXX by XXX XXX, no new loan associated with this property. This also accounts for the mortgage interest claimed on the Schedule E tax returns for the XXX property as borrower had $XXX mortgage on this property since XXX until it was paid off. XXX pg 15 reflects property located at XXX with owner XXX which matches XXX property details report in file. XXX property details report (attached) reflects owner of property located at XXX with owner XXX XXX reflects current (same) owner since XXX.  * LoanSafe report also has no history of this property associated to the borrower
0431801517 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0431801517 CRDINC3204 Income Documentation Missing No Guidelines require the analysis of most recent federal tax returns for calculation of net rental income.2019 Tax returns schedule E reflects a property located at XXX that is not listed on application and reflects mortgage interest claimed on XXX property that is not listed on the application. Lender provided a property report for XXX  that reflects the property owned by XXX since 2017, however this does not explain why the property is being claimed on the 2018 & 2019 tax returns. Lender also provided a property report for XXX which does not appear to be the same property listed on the tax returns which does not have a street number as it shows XXX as owners.Provide satisfactory evidence that the borrower sold the property located at XXX in 2020, if he did not provide verification of mortgage as tax returns reflect mortgage interest AND provide satisfactory evidence that the mortgage was paid off on the property named XXX on tax returns, if he did not provide verification of mortgage on property as tax returns reflect mortgage interest. *Subject to recalculation of income.   3.24.21 - Client responded. XXX report pg's 14-15 reflects evidence property XXX (XXX) was paid off XXX by XXX XXX, no new loan associated with this property. This also accounts for the mortgage interest claimed on the Schedule E tax returns for the XXX property as borrower had $XXX mortgage on this property since XXX until it was paid off. XXX pg 15 reflects property located at XXX with owner XXX which matches XXX property details report in file.XXX property details report (attached) reflects owner of property located at XXX with owner XXX XXX Office reflects current (same) owner since XXX.  * XXX report also has no history of this property associated to the borrower
0331919724          
0584294334 CRDINSR289 Insufficient Hazard Insurance Coverage No Dwelling coverage $XXX per Hazard Insurance Declaration Page; 80% of Total Unpaid Balance ($XXX) required coverage per XXX Hazard Property Insurance Coverage Guidelines. Missing a copy of the Insurable value of improvements per insurance company to determine if the Dwelling Coverage is sufficient. 4.27.21 - Client responded. Sufficient hazard insurance coverage. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. ASI (XXX) policy attached, see Other Coverages and Endorsements.
0980966817 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0438943043 CRDINC150 Income docs do not meet guidelines No Lender approved exception for XXX income analysis with liquidity ratio less than 1. Clayton deems non-material due the following compensating factors: Credit score of XXX, low DTI and reduction in monthly payment of $658.47. (No Data)
0438943043 CRDTER2548 Missing AUS or AUS errors present No AUS reflects funds required to close of $661.88. Final CD reflects cash to close as $51,754.82 which included the payoff a XXX reflected on the title with a payoff of $51,660.40.AUS input did not recognize account as being paid at closing, therefore cash to close is not accurate.  Please provide updated AUS.   3.23.21 - Client responded. Final AUS reflects required borrower funds (cash to close) $52,322.28 and paid off debt $51,660.40 (attached).
0438943043 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since the XX-XX-XXXX declaration date, XX-XX-XXXX effective date, FEMA disaster XXXX Declaration #XXXX. Clayton will order Property Inspection report.  4.1.21 - Property Inspection Report provided and no damage.
0933093587          
0831279813 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Guidelines require verification of all components of PITIA for property owned.Lender provided mortgage statement for property located at XXX indicating an escrow payment of $397.10. Fraud report provided indicates property taxes to be $397.58.Provide satisfactory evidence that the mortgage payment of $1466.51 includes taxes and insurance in escrow and evidence that there is no HOA fee. If taxes and insurance are not included in payment - provide evidence of current taxes and insurance on property.  3.17.21 - Client responded. "Verification of non-subject escrow for property located at XXX  attached. It appears escrow is only for taxes. Property taxes for year 2020 $4,726/12 = $393.83 (attached). There is no monthly HOA fee.  Missing insurance payment has a negligible impact on final DTI. ATR adequately supported. Strong residual income, significant cash reserves, qualifying ratios 13.49 / 18.51"
0173909637 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing evidence that XXX is no longer owned by borrowers.  3.29.21 - Client responded. Evidence the borrower sold property located at XXX attached. Condo was sold for $XXX XXX
0173909637 CRDLGL2550 Missing HUD-1 from sale of property No Tax returns reflect 4 rental properties and application only reflects 3. Explanation in file that borrower sold property and paid off the mortgage on #XXX with proceeds however no evidence of sale in file. Fraud report has no available property information to confirm ownership.   Provide evidence that property located at XXX is no longer owned by the borrowers.    3.29.21 - Client responded. Evidence the borrower sold property located at XXX attached. Condo was sold for  XXX.   
0695322307          
0077455091          
0375927908 CRDTER2548 Missing AUS or AUS errors present No Guidelines require that gift funds be identified separately even if the funds have already been deposited in a liquid asset account owned by the borrower. The balance of the liquid assets account must be adjusted accordingly to prevent duplicate entry of funds and to ensure AUS properly reads the asset type and fires the appropriate documentation requirements.  Lender provided a signed gift letter and evidence of the transfer of gift funds to borrower from donor, however AUS does not reflect gift.AUS is not accurate as it does not reflect the gift of $300,000 that was received/deposited on 9-17-20. 3.17.21 - Client responded. Required gift fund documentation tracing the gift funds from the donor to the customer attached. The documentation indicates intent, transfer & receipt. The balance of the liquid assets account (XXX #XXX) was adjusted accordingly and the appropriate documentation requirements were met.  3.17.21 - Although documentation was provided that would meet Fannie Guides it still has to be run thru the AUS correctly. The AUS needs to reflect the Gifts funds were used and the conditions that would normally apply for gift funds. This can be a post close AUS. 3.22.21 - Client responded.  Update: 3.22.21 - Unable to provide a post close AUS to correctly reflect the gift funds.    3.22.21 - Clayton has reviewed and although the AUS cannot be updated by client the docs that would normally be required for Gift Funds per Fannie guides has been provided therefore we deem this non-material. 
0009533626 CRDINC3204 Income Documentation Missing No Provide a clear and concise lender income calculation for B1, including figures and where they were pulled from; due to discrepancies, missing documentation for how UDS explains income calculation and income analysis docs that are unclear.  Incomes to be calculated by lender and explanations for each- $833.33/mo. for Sched C income with verification that the consulting business is in no way connected to the borrower's employment with XXX as there is a PPP loan associated with that company and borrower states that his distributions as XXX of XXX  ceased in 2020 with no evidence provided they have resumed; Retirement Income of $6167/mo. (provide clear and legible evidence as required by DU); The ($320)/mo. loss from XXX; SSI of $2979.91/mo. (explain $35,759/12).  Review to validate lender calculations with documentation provided to match figures used.   3.23.21 - Client responded. See lender calculations & explanation for B1 in summary of income attached.3.23.21 - Clayton has reviewed and provided docs support income used. 
0009533626 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No Missing subsequent inspection for FEMA disaster XXXX effective XX-XX-XXXX; appraisal dated XXX, prior to FEMA disaster. Clayton will order PDI.  3.23.21 - Property Inspection Report provided and no damage.
0392446292 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0092760959 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0092760959 CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing sufficient documentation to very the Certificate of Deposit funds from XXX Bank XXX being used as funds to close as required by DU and XXX guidance; document on pg. 519/1097 is not fully executed (signed/dated) by the depository institution to validate the borrower funds.  A completed form 1006 or form 1006(s), signed/dated by the depository institution verifying the funds available would be sufficient.     3.23.21 - Client responded. XXX Bank #XXX renewal notice (document used to satisfy requirement) to verify certificate of deposit details attached. Date of notice XXX with new maturity date ofXXX and available balance of $225,263.33 
0764629216          
0102177349          
0508639361          
0414295895 CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No provide Seller CD for review of seller fees listed on Final CD 4.29.21 - Client responded. Seller CD provided. 
0260835396 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No Missing PDI for FEMA disaster XXXX (declaration XXXX) Effective XX-XX-XXXX; appraisal dated XX-XX-XXXX prior to FEMA disaster. Clayton will order PDI.  4.1.21 - Property Inspection Report provided and no damage.
0186365678 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No $145 zero tolerance due to Final Appraisal Inspection without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 6.22.2021 - Client responded:  Disagree: The CD issued XXX disclosed an increase in the Final Appraisal Inspection in the amount of $145, with a valid Change Circumstance reason as Final Appraisal stip and repairs needed per OPUS review in UW notes being required and meets 3 day timing. Copy of Change Circumstance is attached.  This is not a testing defect so no corrective action is required.6.22.2021 - Clayton reviewed COC history doc provided showing COC sent to borrower XXX.
0186365678 CRDTER3262 Property issues indicated No Lender approved exception to do escrow holdback at 100% instead of 125% of the bid for the septic repair that had to be delayed to weather. Septic repair considered material at Clayton. 6.11.21: repairs completed, county inspection provided, funds were holdback from seller
0492235807 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied.  (No Data)
0123654606 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0306494604          
0708006725 CRDINSR848 Missing Hazard Insurance No Missing Hazard insurance policy.  4.22.21 - Client responded. Loan is a XXX to XXX refi and qualifies for a streamline Hazard review.  See attached documents that are used. Internal doc from lender escrow system provided to validate HOI. 
0066764686 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0870641261          
0952338784 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing the most recent WVOE to verify the Base Salary and Bonus income. The WVOE provided is dated 10/05/2020. 4.27.21 - Client responded. Most recent WVOE to verify base salary and bonus income attached. WVOE dated 2/24/21
0952338784 CRDINC888 Income Amount is  Unsupported by Documentation in File No Missing the most recent WVOE to verify the Base Salary and Bonus income. The WVOE provided is dated 10/05/2020 and subject loan closed XXX 4.27.21 - Client responded. Most recent WVOE to verify base salary and bonus income attached. WVOE dated 2/24/21
0728114734 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied.  (No Data)
0434531605 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0686953526          
0241593406 CRDINSR848 Missing Hazard Insurance No The file is missing the hazard insurance dec page or binder for th subject property. XXX to XXX refinance and escrow printout is in file but second page that generally reflects HOI info is blank.  4.29.21 - Client responded. "Loan is Streamline Insurance Review eligible. Sufficient hazard insurance coverage. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis.Streamline Insurance Review Checklist, Hazard Insurance details page for new & prior loan (OPS) and Underwriting Notes attached."
0224741345 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No Missing PDI for FEMA disaster effective XX-XX-XXXX, Public Declaration #XXXX (XXXX); appraisal dated XX-XX-XXXX prior to FEMA disaster. Clayton will order PDI.  4.1.21 - Property Inspection Report provided and no damage.
0659426002          
0541581629          
0223085060          
0282804636          
0571738197          
0651345487 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0856204471          
0067065325 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Review calculates 77.66% DTI with DU approve/ineligible due to DTI 73.38% (exceeds the 50% max and 3% tolerance for DTI); Subject PITI $3542.31 + 2nd Home $3362.25 + REOs $411.20 + other debts $110/total combined income $9561.92= 77.66% DTI.  Review includes T/I payments on XXX; payments verified via XXX, due to no evidence of them being escrowed and Refi Settlement statement/CD not provided.  2. Missing current leases for REO properties from 2019 Sched E calculations; leases provided are not current and LOXs in file stating no lease from renter for 27 yrs (month to month lease from 10/1/93 in file), and LOX from Borrower's son stating "there's no updated rental agreement since signed in 2019 (lease end 8/31/2020 in file; no month to month option). 4.7.21 - Client responded. 1- Final CD for refi of XXX to take subject borrower's off mortgage as co-borrower's attached.  2- Per lender guidelines, current lease agreements were not required. Rental income calculated using executed 1040 tax returns to include Schedule E4.7.21 - Clayton has reviewed ad the Final CD was provided to support subject borrower's being taken off loan as co-borrower's for XXX and DTI is now down to 42.5% and within 1% of lender DTI of 43.56%.
0067065325 CRDDTI187 Debt Ratio > 50% No Review calculates 77.66% DTI(exceeds the 50% max and 3% tolerance for DTI); Subject PITI $3542.31 + 2nd Home $3362.25 + REOs $411.20 + other debts $110/total combined income $9561.92= 77.66% DTI.  Review includes T/I payments on XXX; payments verified via XXX, due to no evidence of them being escrowed. Missing Final CD or Settlement Statement for refi of XXX  that was to take subject borrower's off Mortgage as co-borrower's and leave only son. Also missing current lease for XXX. Lease in file expired 9.26.20.  4.7.21 - Client responded. 1- Final CD for refi of XXX to take subject borrower's off mortgage as co-borrower's attached.  2- Per lender guidelines, a current lease agreement was not required. Rental income calculated using executed 1040 tax returns to include Schedule E.
0086017308          
0023974316 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0886770136          
0566920875          
0692547296          
0739646999          
0892518122          
0855990320          
0863097390 CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing copy of the HELOC Agreement for the XXX Heloc #XXX which is being subordinated.  4.22.21 - Client responded. See attached loan statement (shows how payment calculated) and credit report page for account.  Payment and payment history shows.  Also have subordination, copy of 2nd note is not required.
0456987251          
0135162164 CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Guidelines require a XXX VVOE for all sources of income used to qualify. Borrower files a schedule C and owns a business. Lender provided VVOEs for XXX dated 12-4-20 and updated 1-18-21 and a VVOE for schedule C business dated 12-4-20 but no update was provided. Provide satisfactory updated VVOE for schedule C income with business name listed as XXX within 20 days of note date. (No Data)
0135162164 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since the XX-XX-XXXX declaration date, XX-XX-XXXX effective date, FEMA disaster XXXX Declaration #XXXX. Clayton will order Property Inspection report.  4.9.21 - Property Inspection Report provided and no damage.
0366150419          
0423144110          
0927336176 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commission reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0927336176 CRDTER2548 Missing AUS or AUS errors present No Missing AUS Findings Document (DU or LP). Per 1008 subject loan was AUS approved.  4.27.21 - Client responded. LP, DU and XXX Feedback Certificates (AUS) attached.
0763645713 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0112136396          
0643541381          
0278002870 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0401491488          
0760153847          
0101278171          
0596982956          
0165457615 CRDTER2548 Missing AUS or AUS errors present No DU and LP in file reflect Approved/Ineligible due to rate term and cash back over the allowed lessor of 2% or $2000. Although the final CD reflects borrower only receiving cashback of $1507.87 we need a corrected DU reflecting Approve/Eligible.  3.17.21 - Client responded. Final LP (Eligible/Accept), DU (Approve/Ineligible) and XXX(Risk Class A2) Feedback Certs attached. DU cert reflects incidental cash (cash back) to the customer in the amount of $909.41 which is the lesser of $2k or 2% of the principal balance of the new mortgage loan amount. 
0694841605          
0373837482 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing evidence of insurance for property located at XXX to properly calculate DTI.  4.29.21 - Client responded. "Unable to locate condo master insurance policy for the non-subject property located at XXX. Appears the monthly HOA payment of $306 provides adequate coverage for the condo. ATR adequately supported. Compensating factors  1- High residual income  2- Conservative use of consumer credit (minimal consumer debt)  3- Documented savings pattern  4- Excellent credit & mortgage history  5- Long-term employment  6- Sizable downpayment "4.29.21 - Upon further Clayton review as the Master Policy is paid by the condo association this does not apply. 
0373837482 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Guidelines require the verification of all components of PITIA for property owned.Lender provided evidence of mortgage, HOA and taxes. Provide evidence of insurance coverage for Condo located at XXX Condo master policy and HO-6 if required to ensure proper DTI calculation. DTI subject to change.   4.29.21 - Client responded. Unable to locate condo master insurance policy for the non-subject property located at XXX. Appears the monthly HOA payment of $306 provides adequate coverage for the condo.4.29.21 - Upon further Clayton review as the Master Policy is paid by the condo association this does not apply. 
0483350993          
0513986387 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data)
0201987277          
0266065367          
0438958127          
0240655264 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0287587008 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data)
0290835161          
0772599191 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0192673727 CRDTER2548 Missing AUS or AUS errors present No Missing AUS used to qualify borrowers.  4.22.21 - Client responded. AUS provided. 
0990009519          
0151784710          
0479467036          
0806382502          
0259026149          
0183049945          
0366875787          
0843143985          
0885457732 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Guidelines require verification of all components of PITIA for all properties owned to ensure DTI is calculated properly. Borrower departure home located at XXX: Lender provided November mortgage statement indicating taxes and insurance escrow, however loan was refinanced XXX with a new payment verified as paid on XXX of $XXX. Need Evidence that the new mortgage payment of $XXX for loan #XXX includes taxes and insurance. Guidelines require that all tax returns be signed by the borrowers. Lender provided 2018 and 2019 personal tax returns and 2019 XXX returns for XXX and 2019 S Corp taxes for  XXX Provide signatures on all tax returns provided.  3.24.21 - Client responded. 1- Unable to provide evidence that the new mortgage payment of $XXX for #XXX includes escrow.  2- If XXX form included indicating that e-signatures are filed or if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.ATR adequately supported. Compensating factors  1- Strong residual income  2- Documented savings pattern  3- Sizable downpayment  4- Good credit, excellent mortgage history  5- Conservative use of consumer credit  6- Income borrower receives but was not used to qualify.3.24.21 - Clayton has reviewed and since we have documentation of the prior taxes and insurance before the refinance of the departing residence we will add that to escrow in the amount of $649.35. This will result in a new DTI of 47.24% that would be approved via AUS DTI standards. 
0885457732 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0885457732 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Guidelines require verification of all components of PITIA for all properties owned to ensure DTI is calculated properly. Borrower departure home located at XXX: Lender provided November mortgage statement indicating taxes and insurance escrow, however loan was refinanced XXX with a new payment verified as paid on XXX of $XXX. Need Evidence that the new mortgage payment of $XXX for loan #XXX includes taxes and insurance.  3.24.21 - Client responded. Unable to provide evidence that the new mortgage payment of $XXX for #XXX includes escrow.  ATR adequately supported. Compensating factors  1- Strong residual income  2- Documented savings pattern  3- Sizable down payment  4- Good credit, excellent mortgage history  5- Conservative use of consumer credit  6- Income borrower receives but was not used to qualify. 3.24.21 - Clayton has reviewed and since we have documentation of the prior taxes and insurance before the refinance of the departing residence we will add that to escrow in the amount of $649.35. This will result in a new DTI of 47.24% that would be approved via AUS DTI standards. 
0885457732 CRDINC150 Income docs do not meet guidelines No Guidelines require that all tax returns be signed by the borrowers. Lender provided 2018 and 2019 personal tax returns and 2019 XXX returns for XXX and 2019 S Corp taxes for XXXProvide signatures on all tax returns provided.  3.24.21 - Client responded. If 8879 form included indicating that e-signatures are filed or if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.
0292092984          
0342886936          
0974734103          
0679182838          
0575299486          
0427419014          
0217597786          
0618695614          
0091498416 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0598696324 CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Guidelines require evidence of borrowers ownership of asset being sold to obtain sufficient funds to close along with evidence of the value, transfer of ownership and receipt of sale proceeds.Lender provided evidence of the value and receipt of sale proceeds. File contained a non-legible pdf page that could be the title and payoff letter from bank, however it is not legible to meet guidelines. Provide Legible copy of transfer of title to XXX reflecting the borrower as owner being transferred to XXX and XXX.    3.23.21 - Client responded. Required asset documentation to meet guidelines for sale of the XXX attached to include XXX letter confirming payment received sufficient to payoff account in full & release
0716764292          
0841151241          
0268319640          
0335190030 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0841446794          
0542359005 CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of: XXX prior to required Disbursement date: XXX  , based on transaction date of:XXX. 4.6.21 - Client responded. Disagree: Notice of Right to Cancel transaction date is XXX. Notice of Right to Cancel acknowledgement borrower signature date is XXX "How to Cancel" midnight date is XXX providing 3 business days. Disbursement date is XXX. Proper rescission period was given. This is not a testing defect so no further action is required.
0656852916          
0341856517          
0505493829          
0651046526 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing a complete 12 month banking or cancelled check history from XXX XXX as proof the borrower's business with XXX  pays the following accounts: XXX  XXX, XXX XXX, XXX XXX.  5/27/21 - Lender provided proof of 12 months of paid expenses for XXX, and 2 XXX accounts. 
0651046526 CMPTRID3892 TRID - Error #16 discovered on Closing Disclosure No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied.  (No Data)
0651046526 CRDRVRFC1803 Debts/Obligations that were not discl at origination revealed through independent re-verification No Missing a complete 12 month banking or cancelled check history from XXX XXX as proof the borrower's business with XXX  pays the following accounts: XXX  XXX, XXX XXX, XXX XXX.  5/27/21 - Lender provided proof of 12 months of paid expenses for XXX, and 2 XXX
0193666342          
0474685692 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0566165254          
0875777529 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Zero Tolerance Fees for Relock fee of 355.63 and 2nd Appraisal fee of 145.00, fees increased without documentation or Change in Circumstance. Missing CIC or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. 6.22.2021 Client responded: Disagree: The LE#XXX issued XXX disclosed a Final Appraisal Inspection fee in the amount of $145, with a valid XXX Change Circumstance reason as changed circumstance affecting settlment charges; final appraisal inspection and meets 3 day timing. The LE#XXX issued XXX disclosed a Relock at XXX fee in the amount of $773, with a valid XXX Change Circumstance reason as change to Lock Status and meets 3 day timing. This is not a testing defect so corrective action is not required. See attached change circumstance.6.22.2021 Clayton reviewed internal disclosure tracking doc confirming COC sent for second appraisal fee and relock rate.
0963551260 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0868378588          
0455541062          
0327618950          
0113452836 CRDAPP3312 One or more Applications in file are incomplete No Missing page 1 of the application.  6/14/21 - Client provided a copy of full application with all required pages.
0113452836 CRDAPP3822 Missing or incomplete documentation related to citizenship/residency No File does not contain any documentation stating the residency/ citiszenship of the borrower. 6/14/21 - Client provided a copy of full application with all required pages.
0288709677          
0865782369          
0404134359          
0962804784          
0079318135 CMPBI1623 MA Borrower Interest; Worksheet missing No Missing the MA Borrower Worksheet.  (No Data)
0983175972          
0035437953 CRDINC2408 Income verification does not meet guidelines No Pay stubs for borrower do not reflect pay period or date issued (pay date), and so unable to determine if they were provided no earlier than 30 days prior to the initial loan application date, as is required by DU; the text on the pay stub appearing under "Earnings Statement" was placed by the lender.  Provide an LOX or WVOE from employer verifying borrower's YTD earnings as of 1/31/21 for pay date 1/29/21. 4.26.21 - Client responded. Income verification meets policy guidelines. It does not appear the text on the pay stub under "Earnings Statement" was placed by the lender. This seems to be the format of the payroll system. 
0696273935          
0387025659          
0085573557 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0132271333          
0667166049 CRDINC2408 Income verification does not meet guidelines No Missing pay stub dated no earlier than 30 days prior to the initial loan application date XXX as required by DU; pay stub provided is dated XXX. 4.26.21 - Client responded. Pay stub dated XXX does meet policy guidelines. Loan application date was XXX.
0248271897          
0497950080 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of XXX that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data)
0214265832          
0601450214          
0796396968          
0983446610          
0453152650          
0782980550 CMPBI1623 MA Borrower Interest; Worksheet missing No MA Borrower Interest; Worksheet missing from file.  (No Data)
0885032059          
0534199108          
0382954381          
0323389128 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of new XXX loan at $556.73 per month.  6/17/21 - Client provided XXX 60 month finance agreement contract with payment information. 
0323389128 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0323389128 CRDTER3122 Loan documents do not meet guideline requirements No Guidelines require if a Credit inquiry resulted in credit obtained, a verification of the debt must be provided. Lender provided explanation from borrower that they did obtain a new XXX loan. File indicates the financing agreement was uploaded. Provide missing financing agreement for new XXX loan at $556.73. 6/17/21 - Client provided XXX 60 month finance agreement contract with payment information. 
0597135825          
0692310676 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing acknowledgement of Initial CD at least 3 days prior to consummation 6.23.2021 Client responded:  Disagree: CD#XXX was eDelivered on XXX  CD#XXX was opened and acknowledged by borrowers on XXX.  XXX considers in hand delivery and meets timing for XXX closing date.  See attached document tracking.6.23.2021 - Clayton reviewed internal document showing borrower was hand delivered CD XXX
0946683002          
0947363328          
0720293751          
0580930177          
0990678797          
0092627160          
0194737464          
0990770708          
0887849704          
0593674569          
0736843805 CRDINSR848 Missing Hazard Insurance No HOI Dec page document is missing in file. File contains only a lender print out with partial Hazard info.  6/14/21 - Client provided a copy of Hazard insurance print-out with sufficient coverage.
0237796404          
0788594687          
0390523757 CRDINSR289 Insufficient Hazard Insurance Coverage No Missing evidence of Guaranteed Replacement Cost from policy provider; Home Lending Platform reflects HOI coverage of $XXX, however replacement cost coverage reflects "Research Required" and system calculates coverage as not sufficient.     4.26.21 - Client responded. Sufficient hazard insurance coverage. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. Per the Hazard Insurance Replacement Cost Matrix all XXX insurance policies provide replacement cost coverage.
0447013076          
0283957997          
0662884156 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Need evidence all student loans have been approved for extension on forbearance and evidence B1 has no ownership interest in XXX 4.7.21 - Client responded. 1- Satisfactory evidence that the 4 student loans have been approved for an extension on the forbearance was not obtained. 2- Borrower 1 is XXX Secretary of State attached. ATR adequately supported. Compensating factors 1- High residual income  2- Excellent credit & mortgage history  3- Long-term employment  4- Equity in other REO  5- Documented savings pattern  6- Sizable downpayment4.7.21 - Clayton has reviewed and evidence of B1 ownership provided as required. As for the student loans if we add back the difference of $644.76 to the debt the DTI is 49.56% and under the AUS approved 49.71% therefore a non-issue. 
0662884156 CRDINC3204 Income Documentation Missing No Application indicates borrower 1 is a wage earner for XX with paystubs and w-2s used to qualify, however information in file indicates that XXX pays the borrowers housing. Business bank statements were provided reflecting a company mailing address which is the borrower's home address. Provide satisfactory evidence that Borrower 1 has no ownership interest in XXX.  4.7.21 - Client responded. Borrower 1 is XXX of XXX Secretary of State attached.
0662884156 CRDTER3122 Loan documents do not meet guideline requirements No FHLMC Guidelines allow for student loans with a $0 payment on the credit report to utilize a .5% payment calculation, however file documentation indicates 4 student loans with forbearance ending 1-31-21. XXX printout dated 12-24-20 verifies an upcoming total monthly obligation of $869.46 and lender used $224.70 to qualify. Provide satisfactory evidence that the 4 student loans have been approved for an extension on the forbearance to utilize the .5% payment calculation and ensure proper DTI calculation. 4.7.21 - Client responded. Satisfactory evidence that the 4 student loans have been approved for an extension on the forbearance was not obtained.4.7.21 - Clayton has reviewed and by adding in the difference of $644.76 for the 4 Student Loans the DTI is 49.56% and meet the AUS approved DTI of 49.71% therefore a non issue when adding it back in. 
0303775186          
0005756333          
0913265996          
0664399341 CRDLGL139 Missing copy of 2nd lien HUD-1 (subject is 1st lien) No Missing The Heloc Agreement (XXX #XXX) for the subject property, XXX 4.26.21 - Client responded. See attached 2nd mortgage Note.
0504170771 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No ROR dated XXX has expiration date of XXX, but latest CD XXX has disbursement date of XXX 4.22.21 - Client responded. Disagree: Notice of Right to Cancel documents as well as the latest CD were signed on XXX. How to Cancel Midnight date is XXX. Disbursement date of XXX is accurate. Proper rescission period was given to the borrower.
0682954143 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed Yes CD: XXX-Loan Calculations discloses Amount Financed as $XXX.  This exceeds the Original Principal Balance ($XXX) by $204.70Field: Original Principal Balance, Value: $XXX.  The negative per diem is putting the amount financed beyond the OPB causing the discrepancy due to the per diem dates being reversed.  4.22.21 - Client responded. Agree: Interest credit exceeds total APR fees charged to borrower, which is not allowed. Per diem date of XXX listed on Consummation CD date issued XXX would result in $0 prepaid interest. This would cause a total of payments and finance charge understatement of $204.56. Remediation requested. 8.2.21: "7/30/2021 - No further action required. TRID does not require redisclosure if the only changes that would be required to be disclosed in the corrected disclosure are changes to per-diem interest and any disclosures affected by the change in per-diem interest, even if the amount of per-diem interest actually paid by the consumer differs from the amount disclosed under  1026.38(g)(2) and (o) 2. Here, XXX Legal interprets disclosures to include dates (disbursement/per diem dates). XXX Legal interprets the TRID requirements to say the dates themselves (disbursement and prepaid per-diem interest) do not require redisclosure, but rather changes to the prepaid amounts or finance charges would require redisclosure. Therefore, XXX Legal takes the position that the requirement to redisclose the dates is not a TRID requirement, but rather a purchaser requirement.8.11.21: waived by client 
0661322926          
0470927375 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Disclosure Data Worksheet shows Initial CD sent and received on XXX. No Initial CD provided in file. Please provide Initial CD. 3.24.21 - Client responded. Disagree: CD#XXX was sent electronically and acknowledged by the borrower on XXX. Loan closed on XXX. CD#003 is present in the file. See attached Doc Tracking and CD#XXX
0749475657 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data)
0455776015          
0122146500          
0036952216          
0592279723          
0784386926          
0740142994          
0349678562 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates eligible for PIW. 6.14.21 AVM provided
0349678562 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since declaration date XX-XX-XXXX and effective date of XX-XX-XXXX (XXXX) 6.23.21: inspection received, no damage
0378720700          
0334642995 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0334642995 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA disaster Declaration date XX-XX-XXXX and Effective date XX-XX-XXXX. (XXXX and XXXX) 6.23.21: inspection received, no damage
0948423094          
0664624431          
0156283656 CRDINSR5351 Insurance Effective date is greater than the transaction date No 5/5/21 insurance start date; Disbursement date XXX 6/12/21 - Client provided Hazard insurance print out showing 12 month policy ended on 5/5/21. Insurance was active at time of loan. 
0156283656 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 7.20.21: BPO Provided
0156283656 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA Effective date XX-XX-XXXX and Declaration date XX-XX-XXXX XXXX and XXXX. 6.23.21: inspection received, no damage
0886849390          
0007593767 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0536707588 CRDAPP4625 The orig file does not contain a third party fraud report No Missing Fraud report for both borrowers. Clayton will order.  4.13.21 - Fraud report received and no issues. 
0555288092          
0336044230          
0502237713          
0969770814 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0969770814 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA disaster Declaration date XX-XX-XXXX and effective date XX-XX-XXXX (XXXX and XXXX) 6.23.21: inspection received, no damage
0028520480 CMPFINT109 Finance charge understated by more than  $35 (Pmt Stream) No Finance charge per Final CD XXX is $342,269.79 actual finance charge calculation $342.306.83 per payment stream causing understatement of $37.04. Please provide corrected PCCD or breakdown of Finance charges used.  4.29.21 - Client responded. Disagree: Closing Disclosure dated XXX disclosed finance charge $342,269.79, XXX calculated finance charge $342,270.03, understated by $0.24 but within tolerance threshold. XXX calculated prepaid finance charges of $1,317.06 includes $1,317.06 Prepaid Interest. Remaining Prepaid Interest of $252.42 is paid by the lender therefore not included in borrower finance charge. See attached calculation results. No corrective action required.
0028520480 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No Final CD XXX Section: Loan Calculations, Field: AmountFinanced, Value: $XXXand review calculation is  $XXX 4.29.21 - Client responded. Disagree: Closing Disclosure dated XXX disclosed amount financed $XXX. XXX Calculated amount financed is $XXX. See attached calculation results. Not a testing defect. No corrective action required.
0713936149          
0665727052          
0626862553          
0560255705          
0516344203          
0684034982 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0996226652          
0934292628          
0611082134          
0035154673 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0782040384          
0897083452 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0395376097          
0948623960 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0948623960 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0901736134          
0179158462          
0569309746 CRDINSR848 Missing Hazard Insurance No HOI policy is missing in file.  6/14/21 - Client provided a copy of Hazard insurance print-out with sufficient coverage.
0833414567 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Verification of income (WVOE and Paystubs) are over 60 days old at closing and outside temporary FNMA COVID requirements. 4.29.21 - Client responded. "Updated VOE, current as of 2/26/21 attached. XXX bank statement attached to verify payroll deposit(s) 1/14/21 & 1/28/21."
0833414567 CMPBI1623 MA Borrower Interest; Worksheet missing No Missing MA Borrower Interest Worksheet. (No Data)
0833414567 CRDINC150 Income docs do not meet guidelines No Verification of income (WVOE and Paystubs) are over 60 days old at closing and outside temporary XXX COVID requirements.Provide updated WVOE or paystub within 60 days of note date of XXX+AF408 that supports income used to qualify.  4.29.21 - Client responded. "Updated VOE, current as of 2/26/21 attached. XXX bank statement attached to verify payroll deposit(s) 1/14/21 & 1/28/21."
0232836652 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0232836652 CMPTRID4056 TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount No The final CD XXX in the file disclosed Loan Calculation total of payments is $1,090,817.41. Clayton calculated $1,091,083.79. The charges on the final CD were understated by $266.38. 5.3.21 - Client responded. Disagree: Final disclosed Total of Payments is $1,090,817.41. XXX calculated Total of Payments is $1,090,817.52. Total of Payments is understated by $.11 and within allowable tolerance. Total of Payments calculated includes Principal and Interest for the term of the loan plus per diem/prepaid interest charged.
0883248173          
0546628107 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 7.20.21: BPO Provided
0546628107 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA Declaration date XX-XX-XXXX and Effective date XX-XX-XXXX. (XXXX) 6.23.21: inspection received, no damage
0377987801          
0668038073          
0377520393 CMPDOC191 Missing Mortgage No Missing Mortgage. Prior Mortgage was provided not current.  5.5.21 - Client responded. Correct Mortgage provided. 
0377520393 CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No File is missing the Mortgage, and Final CD in file was not signed, unable to verify if disbursement date is before end of statutory rescission period.  5.6.21 - Client responded. Disagree: Notice of Right to Cancel transaction date is XXX. Notice of Right to Cancel acknowledgement borrower signature date is XXX which matches notary date on Mortgage. "How to Cancel" midnight date is XXX. Consummation CD #009 date issued XXX and signed XXX shows funds disbursed XXX, which is after the rescission period end date of XXX. See attached Mortgage and signed Consummation CD. This is not a testing defect so no further action is required.
0968373219          
0177969415          
0348853655 CRDLGL101 Missing legal docs for senior or subordinate loan No Guidelines require the borrowers sign the subordination agreement.Lender provided copy of subordination agreement signed by bank.Missing fully executed subordination agreement. 6/14/21 - Client provided a copy of 2nd lien note only6.18.21: fully signed doc provided
0348853655 CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Guidelines require the lender verify the terms of the subordinate financing for compliance with the Selling guide.  Provide a copy of the HELOC financing agreement to verify terms are in compliance. 6/14/21 - Client provided a copy of 2nd HELOC loan agreement signed by both borrowers. 
0634488923          
0285694503 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing acknowledgment of Initial CD XXX at least 3 days prior to consummation 6.23.2021 - Client response:  Disagree: CD#XXX was eDelivered on XXX.  CD#XXX was opened and acknowledged by borrowers on XXX considers in hand delivery and meets timing for XXX closing date.  See attached document tracking.6.23.2021 - Clayton reviewed internal document showing CD hand delivered to borrower on XXX.
0359710299          
0646121308 CRDTER2548 Missing AUS or AUS errors present No 1008 reflects subject approved via AUS, but there is no AUS in file. 5.3.21 - Client responded. XXX Feedback Certificate, LPA Feedback Certificate & DU Feedback Certificate attached.
0581204645          
0775911495 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0501686365 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0501686365 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0501686365 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA Declaration date XX-XX-XXXX and Effective date XX-XX-XXXX. (XXXX) 6.23.21: inspection received, no damage
0759699741          
0626768246          
0347773002 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0239384393          
0003629358          
0119337516 CRDTER2548 Missing AUS or AUS errors present No Rerun DU to reflect approve/eligible with B2 income as $4,467.01/mo. due to current DU DTI at 13.36% vs. Clayton Review DTI of 16.69% (exceeds the 3% tolerance), or provide additional evidence (current YTD pay stub or WVOE from employer) to validate B2 income submitted to DU; Review calculates B2 income based on the 2020 avg. ($53,604.14/12).   4.6.21 - Client responded. 1- Eligible income for B2 = $6,458.33 x 2 (semi-monthly) = $12,916.66 (WVOE attached). 2- Summary of income (underwriting notes) used in decisioning for B2 attached. 3- Borrower LOX for increased earnings attached (pg 2 of 4).
0277452615          
0315840808 CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing copy of the Heloc Agreement, XXX #XXX for the subject property. 4.26.21 - Client responded. See attached 2nd mortgage Note.  
0188679393 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing acknowledgment of Initial CD XXX at least 3 days prior to consummation 6.23.2021 - Client responded:  Disagree: CD#XXX was eDelivered on XXX.  CD#XXX was opened and acknowledged by borrowers on XXX.  XXX considers in hand delivery and meets timing for XXX closing date.  See attached document tracking.6.23.2021 - Clayton reviewed internal document showing borrower was hand delivered CD dated XXX.
0188679393 CRDINSR289 Insufficient Hazard Insurance Coverage No HOI declaration shows $XXX coverage required per guidelines. Hazard policy did not list a GRC and appraisal did not show cost to rebuild.  6/17/21 - Client provided Hazard policy with GRC, sufficient coverage provided. 
0354258234 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing the terms and conditions for the business loan with XXX 5/28/21: CPA confirmed it is only current portion of business loan, accounted for in calcs
0354258234 CRDCRMH1805 Debts/obligations not disclosed/accounted for at origination No Missing the terms and conditions for the business loan with XXX. The Schedule L of the 2019 1120s tax returns shows a mortgage or note payable less than 1 year in the amount of $38,064.00 that was included in lenders income calculation of the business. A copy of the terms and conditions or note is needed to determine if the loan is due or payable with 1 year. ***DTI and Loan Approval pending*** 5/28/21: CPA confirmed it is only current portion of business loan, accounted for in calcs
0001916532          
0702755816 CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No $2,515.00 Zero Tolerance due to increase in of Processing Fee (Increased from $0.00 to $1,175.00), increase of Appraisal Fee (Increased from $145.00 to $1,340.00) on Final CD: XXXXXX-1, without a valid Change in Circumstance (CIC).  A tolerance cure has been issued in the amount of $1,211.46.  A difference of $1,303.54 remains.  Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 6.4.2021 Client responded:  Agree: The LE issued XXXXXX shows the addition of the Processing fee in the amount of $1175 with a valid changed circumstance of revisions requested by the consumer. Please see changed circumstance documentation attached. This is not a testing defect so no corrective action required. The CD dated XXX shows the addition of the Appraisal Fee for $1340 and the Credit Report fee for $16.46 for a total zero tolerance fee increase of $1,356.46. Over tolerance refund of $1,211.46 issued for increase in closing costs above legal limit. Additional refund of $145 required to complete remediation. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 6.4.2021 Clayton response:  Client provided COC for addition of processing fee missing from original file.  Recalculating zero tolerance leaves an outstanding balance due to borrower of $145.00.  Borrower due $145.00, LOX, PCCD, and proof of delivery. 08/11/2021 Client responded: "Disagree: Received LOX, corrected Post Closed CD issued XXXXXX with OTC verbiage, and refund check XXX in the amount $145.00 to the borrower. See attached Post Close CD, LOX and Refund Check." 08/11/2021 Client provided LOX, copy of refund check, and corrective PCCD XXXXXX. 
0702755816 PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Missing 442 completion final inspection from the appraiser. "Subject to" for railing repair needed.  6/2/21 - Lender provided and appraisal update that doc appears to be from borrower only, need appraisal / 3rd party evaluation certification to clear exception. 6/8/21: client provided updated policy for loans prior to 5/31/21: received signed letter from borrower and photo; policy states OPUS must review docs provided and requires selection of ID reason "Final Inspection Alternative"- these last 2 items not provided 6/22/21 - OPUS (XXX) did review borrower attestation/photos (docs) and satisfied the condition for the 1004D final inspection (see attached). However, selection of "Identification" reason "Final Inspection Alternative" within a Risk Review Task set by Fulfillment was not completed.
0439045749          
0125999708          
0092530974 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible 6.14.21 AVM provided
0092530974 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA disaster Declaration #XXXX date XX-XX-XXXX, Effective date of XX-XX-XXXX for XXXX. AUS approval date XX-XX-XXXX, PIW eligible. 6.23.21: inspection received, no damage
0145843399          
0466166408 CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No The loan file is missing the Heloc agreement for the subject property with XXX #XXX. 5.3.21 - Client responded. See attached 2nd mortgage Note.
0935100406 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0147832126          
0714440546          
0107312288 CRDINSR5351 Insurance Effective date is greater than the transaction date No Disbursement date XXX updated HOI effective XXX. Please provide prior HOI to validate insured at time of closing.   5.6.21 - Client responded. This loan transaction was a current XXX refinance for the property located at XXX, loan #XXX. Proof of prior HOI that expires XXX attached. See pg 3, Hazard Insurance. 
0203693628          
0124581653          
0655959136          
0695130158          
0834741138 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0840934590          
0102302067 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0254569153 CRDINSR3278 Hazard Insurance documentation in file is incomplete No Guidelines require "walls-in" policy cover 100% of the insurable value of the betterments and improvements. Lender provided Condo Master policy that states Policy is walls in excluding betterments and improvements. Provide satisfactory evidence of additional "walls-in" coverage that includes 100% of the insurable value of the betterments and improvements. DTI subject to change.  5.3.21 - Client responded. Walls-in policy not required. See Underwriting Notes attached. HOA Master Policy includes Walls in Coverage. 
0610332675 CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of XXX; disbursement date per Final CD is XXX.  Borrower did not receive full mandatory rescission period prior to disbursement of funds. 6.4.2021 Client responded:  Agree: Per system of record, funds disbursed on XXX, after rescission expiration of XXX. PC CD with corrected disbursement date and per diem date required to remedy. Re-opening rescission is not required.7.26.2021 Client responded:  new Notice of Right to cancel was provided to the borrowers on XXX with new rescission end date of XXX7.26.2021 - Clayton response:  Client provided new ROR, LOX, and proof of delivery.  PCCD with corrected disbursement date required to satisfy condition8.2.21: "TRID does not require redisclosure if the only changes that would be required to be disclosed in the corrected disclosure are changes to per-diem interest and any disclosures affected by the change in per-diem interest, even if the amount of per-diem interest actually paid by the consumer differs from the amount disclosed under  1026.38(g)(2) and (o) 2. Here, XXX Legal interprets disclosures to include dates (disbursement/per diem dates).In other words, XXX Legal interprets the TRID requirements to say the dates themselves (disbursement and prepaid per-diem interest) do not require redisclosure, but rather changes to the prepaid amounts or finance charges would require redisclosure. Therefore, XXX Legal takes the position that the requirement to redisclose the dates is not a TRID requirement, but rather a purchaser requirement. Where in the Reg does it require re-disclosure related to changes in dates on the CD?
0944522541 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Non QM: Lender documented all ATR UW Factor; Lender status: QM Safe Harbor, Loan is Non QM due to Missing proof of the 12 months payment history for the 2ndmortgage lien on the departing residence located at XXX with payments of $146.92 bi-weekly.    5.4.21 - Client responded. No 12-month payment history for the 2nd mortgage lien is applicable for departing residence located at XXX This was an employer sponsored 2nd mortgage from XXX for $XXX. The bi-weekly payment of $146.92 was a payroll deduction. The new bi-weekly payment (payroll deduction) will be $147.69 for the 2nd mortgage ($XXX) on the new property located at XXX. New 2nd mortgage note attached.
0944522541 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0944522541 CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Missing proof of the 12 months payment history for the 2nd mortgage lien on the departing residence located at XXX with payments of $146.92 bi-weekly.    5.4.21 - Client responded. 5.4.21 - Client responded. No 12-month payment history for the 2nd mortgage lien is applicable for departing residence located at XXX. This was an employer sponsored 2nd mortgage from XXX for $XXX. The bi-weekly payment of $146.92 was a payroll deduction. The new bi-weekly payment (payroll deduction) will be $147.69 for the 2nd mortgage ($XXX) on the new property located at XXX New 2nd mortgage note attached.
0944522541 CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing copy of fully executed second lien note for the subject property.  5.3.21 - Client responded. See attached 2nd mortgage note.
0526637156 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No The borrower has been XXX for XXX months and does not meet the minimum XXX requirements of 1 year as XXX 5.3.21 - Client responded. "Borrower has been in the same line of work over XX years. Borrower is a XXX (XXX) through XXX who now runs this business through XXX(XXX). LOE from borrower reflects switched from a W2 employee to W2 employee of XXX. There is no impact to the pay or nature of the business and works for the same end client XXX(since XXX). Income used to qualify is stable, regular and recurring with evidence that a high probability exists for continued receipt at current or increasing levels evidenced by business bank account activity." ATR adequately supported.  Compensating factors 1- Long-term employment (same line of work XXX years)  2- Conservative use of consumer credit (minimal consumer debt)  3- Excellent credit and mortgage history  4- High residual income  5- Documented savings pattern  6- Sizable downpayment
0526637156 CRDINC2408 Income verification does not meet guidelines No The borrower has been XXX for XXX months and does not meet the minimum XXX requirements of 1 year as XXX 5.3.21 - Client responded. "Borrower has been in the same line of work over XXX years. Borrower is a XXX (XXX) through XXX who now runs this business through XXX (XXX). LOE from borrower reflects switched from a W2 employee to W2 employee of XXX. There is no impact to the pay or nature of the business and works for the same end client XXX (since XXX). Income used to qualify is stable, regular and recurring with evidence that a high probability exists for continued receipt at current or increasing levels evidenced by business bank account activity."
0526637156 CRDTER3122 Loan documents do not meet guideline requirements No Missing lender Exception for B1 XXX. The borrower has been XXX for XXX months and does not meet the minimum  XXX requirements of 1 year as XXX. Per UW comments on the 1008 Approval, a possible Exception was discussed. However, the lender did not provide an Exception in file for approval. 5.3.21 - Client responded. "Borrower has been in the same line of work over XXX years. Borrower is a XXX(XXX) through XXX who now runs this business through XXX(XXX). LOE from borrower reflects switched from a W2 employee to W2 employee of XXX. There is no impact to the pay or nature of the business and works for the same end client XXX(since XXX). Income used to qualify is stable, regular and recurring with evidence that a high probability exists for continued receipt at current or increasing levels evidenced by business bank account activity."
0999439564          
0738192318 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0738192318 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA Declaration date XX-XX-XXXX and Effective date XX-XX-XXXX. (XXXX) 6.23.21: inspection received, no damage
0706089732          
0008407277          
0052189509          
0085120810 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0508362329 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0135322330 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing copy of the statement for the account with XXX to verify the unpaid balance of $475.00 with a monthly payment of $34.09. 5.4.21 - Client responded. See borrower LOE (pg 2) & XXX Bank statements attached. This was a monthly subscription for XXX. Monthly payment of $34.09 is a debit from XXX Bank account
0135322330 CRDTER3122 Loan documents do not meet guideline requirements No Missing copy of the statement for the account with XXX to verify the unpaid balance of $475.00 with a monthly payment of $34.09. 5.4.21 - Client responded. See borrower LOE (pg 2) & XXX Bank statements attached. This was a monthly subscription for XXX. Monthly payment of $34.09 is a debit from XXX Bank account
0532056183 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Yes 1) 1. Missing copy of the terms and conditions of the SBA Loan in the amount of $XXX. 2) Missing copy of the complete divorce decree, separation agreement, court order, or equivalent documentation to verify the amount of the Alimony payment obligation in the amount of $4,585.00/month. 3) DTI is 57.29% pending removal of -- $3376.91 negative effect on income 4.29.21 - Client responded. Only partial divorce decree (attached) was obtained to verify child support and alimony obligations of $3,715/mo & $4,585/mo.  ATR adequately supported. Compensating factors  1- High residual income  2- Significantly decreasing housing expense  3- Refinance to reduce rate  4- Good credit & mortgage history  5- Conservative use of consumer credit  6- Long-term employment; ***SBA terms still unconfirmed, exception remains
0532056183 CRDAST3036 Assets reflect unsourced deposits No Missing LOE or source of $15,000 large deposit into the XX XXX account on 02/25/2021. 4.29.21 - Client responded. $15k deposit 2/25/21 into the borrower's XXX checking account XXX is borrower's salary from business. Underwriting Notes (LOE) attached.
0532056183 CRDDTI187 Debt Ratio > 50% Yes The DTI is > 50% due to how the income was calculated by the Clayton UW. Income Calculation as follows: Clayton UW calculated income using 2019 1120S average: ($317,483.00/12 = $26,456.92/month). The 2020 Year End P&L does not support an increasing trend over the most recent years. Year End Net P&L thru 12/31/2020 as follows: Total Net Income $203,399.59  SBA Loan per LOE $40,523.00/12 = $13,573.05/month B1 Compensation to Officer wages per 2019/2020 W-2s; $90,000 + $90,000/24 = $7,500.00/month. B1 Alimony in the amount of (-$4,585.00) subtracted from borrowers total income in the amount of $21,073.05 for a total net income of $16,488.05/month.   **SBA effect on income still TBD, still using -$3376.91 against income  4.29.21 - Client responded. Lender used total calculated income of $24,450/mo - $4,585/mo alimony = $19,865 total monthly qualified income. Income analysis to include decisioner comments attached. **SBA loan terms still TBD so -$3376.91 subtracted, income is currently only $16488.09
0532056183 CRDTER3122 Loan documents do not meet guideline requirements Yes 1. Missing copy of the terms and conditions of the SBA Loan in the amount of $XXX. 2. Missing copy of the complete divorce decree, separation agreement, court order, or equivalent documentation to verify the amount of the Alimony payment obligation in the amount of $4,585.00/month 4.29.21 - Client responded. 1- Doesn't appear terms & conditions of the SBA Loan were obtained. Borrower correspondence (LOE attached) reflects SBA may be over 5 years. 2- Only partial divorce decree (attached) was obtained to verify child support and alimony obligations of $3,715/mo & $4,585/mo.4.29.21 - Clayton has reviewed and although the Divorces Decree information was provided the SBA was not and is required. 
0187602012 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0594813973          
0424418039 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing fully executed authorization to close XXX Bank HELOC to future draws. 6/12/21 - Client provided an executed Closing Disclosure and final Title policy provided showing HELOC paid off and not re-opened. 
0424418039 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible 6.14.21 AVM provided
0424418039 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA disaster Declaration #XXXX date XX-XX-XXXX, Effective date of XX-XX-XXXX for XXXX. AUS approval date XXX, PIW eligible. 6.23.21: inspection received, no damage
0798026357          
0259204378 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD.  As fees are at least shown this is not a material issue.  This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied.  Final Grade A. (No Data)
0259204378 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0206778522 CMPDOC806 Notary Status is missing No Deed of Trust in file is not notarized. 6/14/21 - Client provided a signed copy of Mortgage with all attachments and Notary, 
0206778522 CMPDOC869 Mortgage not signed No Deed of Trust and Riders in file are not executed. 6/14/21 - Client provided a signed copy of Mortgage with all attachments and Notary, 
0206778522 CRDINSR848 Missing Hazard Insurance No Missing the Hazard policy for subject property. 6/14/21 - Client provided a Hazard insurance print-out with sufficient coverage. 
0615027031          
0904749615 CRDINSR3278 Hazard Insurance documentation in file is incomplete No Proof of adequate hazard insurance coverage incomplete. Missing hazard insurance declaration page. 6/15/21 - Client provided Hazard insurance print-out with sufficient coverage. 
0904749615 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible 6.14.21 AVM provided
0904749615 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since Post FEMA disaster Declaration #XXXX date XX-XX-XXXX, Effective date of XX-XX-XXXX for XXXX. AUS approval date XXX, PIW eligible. 6.23.21: inspection received, no damage
0508438439          
0839843287          
0307820324          
0278347053          
0417584346 CRDINSR289 Insufficient Hazard Insurance Coverage No HOI dwelling coverage declared was $XXX ; per guidelines coverage of $XXX required. 6/17/21 - Client provided a print out Hazard policy showing GRC, sufficient coverage. 
0955020382 CMPTRID4579 TRID - CD: Missing Initial CD No Initial CD XXX in file is incomplete, missing page 1.  6.16.2021 Client provided all pages of initial CD.
0712486094 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0602951807          
0532570720 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof of the HOA due monthly amount for the property located at XXX 5.3.21 - Client responded. Verification of monthly HOA for non-subject property located at XXX attached. HOA = $846 monthly
0532570720 CRDDTI2540 Missing verification of some or all components of non-subject PITI No The loan file is missing proof of the HOA due monthly amount for the property located at XXX 5.3.21 - Client responded. Verification of monthly HOA for non-subject property located at XXX attached. HOA = $846 monthly
0509644251          
0725817485 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0725817485 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA Declaration date XX-XX-XXXX and Effective date XX-XX-XXXX. (XXXX) 6.23.21: inspection received, no damage
0500354977          
0539157210 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing a copy of the mortgage statement for the current residence at XXX to verify the mortgage payment includes escrows. 5.6.21 - Client responded. Verification of non-subject PITI for the current residence at XXX attached. Monthly mortgage payment includes escrow.
0539157210 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing a copy of the mortgage statement for the current residence at XXX to verify the mortgage payment includes escrows. 5.6.21 - Client responded. Verification of non-subject PITI for the current residence at XXX attached. Monthly mortgage payment includes escrow.
0373694927          
0967038512          
0607852354 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0925253437 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0480618722 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing verification of date of receipt of CD XXX at least 3 days prior to consummation. 6.22.2021 - Client responded: Disagree: Borrower CD#005 issued XXX was eDelivered on XXX.  CD#005 was opened and acknowledged by borrowers on XXX.  XXX considers in hand delivery and meets timing for XXX closing date.  See attached document tracking.6.22.2021 Clayton reviewed disclosure tracking showing CD XXX was e delivered XXX
0480618722 CMPTRID3646 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No An additional refund of $105 is required due to increase in recording fees without a valid reason, missing CIC for increase in recording fees or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. 6.22.2021 - Client responded:  Disagree: The LE#003  issued XXX disclosed an increase in Recording fee to $580 from $475 (increased by $105), with a valid XXX Change Circumstance reason as changed circumstance affecting settlement charges; Record Power of Attorney and meets 3 day timing. This is not a testing defect so corrective action is not required.  See attached change circumstance.6.22.2021 - Clayton reviewed internal document tracking showing COC issued for increased recording fees XXX.
0292258996 CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of: XXX prior to required Disbursement date: XXX ,  based on transaction date of:XXXLOX, TIL or CD, proof of delivery, and New NORTCs to all entitled to rescind to  re-open rescission (2 for each recipient).  5.3.21 - Client responded. Agree: Per system of record funds disbursed appropriately after the end of the rescission period on XXX. PC CD with corrected disbursement date and per diem date required to remedy. Re-opening rescission is not required. Corrected CD with XXX disbursement date.required. Remediation requested7.27.2021 - Client provided a new ROR showing issued XXX and disbursing XXX, LOX, and proof delivery.  PCCD is required showing new disbursement date to clear condition.  Current CD shows disbursement date of XXX however ROR shows disbursement date of XXX8.2.21: "Legal response: No further action required. TRID does not require redisclosure if the only changes that would be required to be disclosed in the corrected disclosure are changes to per-diem interest and any disclosures affected by the change in per-diem interest, even if the amount of per-diem interest actually paid by the consumer differs from the amount disclosed under  1026.38(g)(2) and (o) 2. Here, XXX Legal interprets disclosures to include dates (disbursement/per diem dates).XXX Legal interprets the TRID requirements to say the dates themselves (disbursement and prepaid per-diem interest) do not require redisclosure, but rather changes to the prepaid amounts or finance charges would require redisclosure. Therefore, XXX Legal takes the position that the requirement to redisclose the dates is not a TRID requirement, but rather a purchaser requirement. "
0228055841          
0862969807 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible 6.14.21 AVM provided
0862969807 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA disaster Declaration #XXXX date XX-XX-XXXX, Effective date of XX-XX-XXXX for XXXX. AUS approval date XXX, PIW eligible. 6.23.21: inspection received, no damage
0452126388          
0576652586 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0576652586 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since the FEMA Declaration date XX-XX-XXXX and Effective date XX-XX-XXXX XXXX. 6.23.21: inspection received, no damage
0203988167          
0139014788          
0119684901          
0909427592          
0336896779          
0237015007          
0373960484          
0942746849 CRDINSR3278 Hazard Insurance documentation in file is incomplete No Proof of adequate hazard insurance coverage incomplete. Missing hazard insurance declaration page. 6/15/21 - Client provided Hazard insurance print-out with sufficient coverage. 
0942746849 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible 6.14.21 AVM provided
0942746849 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since Post FEMA disaster Declaration #XXXX date XX-XX-XXXX, Effective date of XX-XX-XXXX for XXXX. AUS approval date XX-XX-XXXX, PIW eligible. 6.23.21: inspection received, no damage
0421356645 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No '- Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0485020513          
0044465397          
0319743302 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0319743302 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA Declaration date XX-XX-XXXX and Effective date XX-XX-XXXX. (XXXX) 6.23.21: inspection received, no damage
0901099369          
0784005698          
0222058765 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0515802355          
0577279602 CRDTER2548 Missing AUS or AUS errors present No AUS decision missing in file. Unable to determine loan qualifications. Please provide AUS.  6/2/21 - Lender provided both DU and LP AUS approvals. 
0474346046 CRDINSR5351 Insurance Effective date is greater than the transaction date No HOI policy effective date of XXX is outside normal tolerance (XXX-XXX). Disbursement date XXX. 6/15/21 - Client provided Hazard insurance HOI with sufficient coverage and dates of coverage XXX-XXX.. 
0657120136          
0906067716          
0606701493          
0387240338 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible.  6.14.21 AVM provided
0387240338 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA Declaration date XX-XX-XXXX and Effective date XX-XX-XXXX (XXXX). 6.23.21: inspection received, no damage
0431823489 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation to verify PITI(A) for REO listed on final 1003 located at: XXX 6/17/21 - Client provided an appraisal for XXX along with a print-out showing payment breakdown. The XXX address on application was incorrect. 
0431823489 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing documentation to verify PITI(A) for REO listed on final 1003 located at: XXX 6/17/21 - Client provided an appraisal for XXX  along with a print-out showing payment breakdown. The XXX address on application was incorrect. 
0431823489 CRDINSR3278 Hazard Insurance documentation in file is incomplete No Missing hazard insurance declaration page with proof of adequate dwelling coverage. 6/17/21 - Client provided Hazard print out showing GRC, sufficient coverage. 
0431823489 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible 6.14.21 AVM provided
0431823489 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection sonce FEMA disaster Declaration #XXXX date XX-XX-XXXX, Effective date of XX-XX-XXXX for XXXX. AUS approval date XXX, PIW eligible. 6.23.21: inspection received, no damage
0524462167          
0897800098 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing acknowledgment of Initial CD XXX at least 3 days prior to consummation 6.23.2021 - Client responded:  Disagree: CD#XXX was eDelivered onXXX CD#XXX was opened and acknowledged by borrowers on XXX  XXX considers in hand delivery and meets timing for XX closing date.  See attached document tracking.6.23.2021 - Clayton reviewed internal document showing borrower was hand delivered CD XXX
0897800098 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0897800098 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA Declaration date XX-XX-XXXX and Effective date XX-XX-XXXX. (XXXX) 6.23.21: inspection received, no damage
0231444317 CRDINSR848 Missing Hazard Insurance No Subject is a XXX to XXX refinance. Screen shot for escrows provided but only first page. Second page that usually reflects HOI and Property taxes not provided.  5.6.21 - Client responded. See attached print-out showing HOI and taxes info.
0569141585          
0254943815 CRDINSR5351 Insurance Effective date is greater than the transaction date No Disbursement date XXX insurance effective date XXX. 5.4.21 - Client responded. Insurance effective date is same day as the transaction date. Disbursement date XXX insurance effective date XXX. Declarations page attached.
0802537181          
0623887584          
0707366502          
0349521848 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0648930079 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0995934431 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0995934431 CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No Final CD XXX  Other Costs E. lines 4-6 state Title fees that don't belong in this area. 5.3.21 - Client responded. Agree: Title-Archive Fee $30, Title-Courier 2 fee $75 and Title-Wire Transfer 2 fee $45 were incorrectly placed in section E: Taxes and Other Government Fees on the Consummation CD. Remedy with a post consummation CD showing these fees in section C: Services Borrower Did Shop For. Remediation requested 08.11.2021 - Client provided refund check dated XXXXXX in the amount of $150.00 to the borrower, LOX, and CD issued XXXXXX reflecting Title-Archive Fee $30, Title-Courier 2 fee $75 and Title-Wire Transfer 2 fee $45, all paid by Lender. See attached Post Close CD, LOX and Refund Check. 
0708189054          
0160177443 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A (No Data)
0410750723 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0955883072          
0538029168          
0506145879 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No Loan approved by DU with PIW. 6.14.21 AVM provided
0506145879 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No Subsequent property inspection completed after FEMA Disaster Declaration #XXXX date of XX-XX-XXXX, XXXX. 6.23.21: inspection received, no damage
0589821713          
0260757255 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing all 2020 W2s for B2.  06/15/21 - Client provided a 2020 tax return from the co-borrower.
0260757255 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0260757255 CRDINC2408 Income verification does not meet guidelines No Guidelines require all 2020 W2-s. B2 had two W-2s per 1003.Lender only provided previous w-2 from XXXProvide 2020 W2 from XXX 06/15/21 - Client provided a 2020 tax return from the co-borrower.
0611466873 CRDINC2408 Income verification does not meet guidelines No Missing Offer Letter used for Income calculation 5.6.21 - Client responded. Offer Letter used for income calculation attached. 
0985528745 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0985528745 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No FEMA XX-XX-XXXX XX-XX-XXXX XXXX  6.23.21: inspection received, no damage
0539479621          
0502148546 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0201360021          
0846538997 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible 6.14.21 AVM provided
0846538997 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA disaster Declaration #XXXX date XX-XX-XXXX, Effective date of XX-XX-XXXX for XXXX. AUS approval date XXX, PIW eligible. 6.23.21: inspection received, no damage
0597024332 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0597024332 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No  No inspection since the XX-XX-XXXX XX-XX-XXXX XXXX disaster. 6.23.21: inspection received, no damage
0470838100 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0605494655 CMPROR117 ROR - Expiration date on form prior to end of rescission period No Transaction date (per mortgage notary) is XXX.  Expiration date on ROR form is XXX.  Expiration date on form prior to end of rescission period . 7.26.2021 - Client responded:  new Notice of Right to cancel was provided to the borrowers on XXX with new rescission end date of XXX7.26.2021 - Clayton reviewed corrected NRTC, LOX, and proof of delivery.  PCCD is required to satisfy this condition.7.28.21: client - new CD not required
0605494655 CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Transaction date (per mortgage notary) is XXX. ROR expiration date is XXX Loan disbursed XXX  Disbursement date is before end of statutory rescission period. 7.26.2021 - Client responded:  new Notice of Right to cancel was provided to the borrowers on XXX with new rescission end date of XXX7.26.2021 - Clayton reviewed corrected NRTC, LOX, and proof of delivery.  PCCD is required to satisfy this condition.7.28.21: client - new CD not required 
0393591109          
0008082144          
0208346613 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A (No Data)
0264290194 CRDINSR848 Missing Hazard Insurance No Missing hazard insurance declaration page with proof of adequate dwelling coverage. 06/15/21 - Client provided a streamline Hazard policy with sufficient coverage. 
0264290194 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible 6.14.21 AVM provided
0264290194 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since Post FEMA disaster Declaration #XXXX date XX-XX-XXXX, Effective date of XX-XX-XXXX for XXXX. AUS approval date XXX, PIW eligible. 6.23.21: inspection received, no damage
0305475092 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0276219696          
0604242770          
0923445210          
0297164973 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0872939806 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied.  (No Data)
0223946318 CMPTRID3892 TRID - Error #16 discovered on Closing Disclosure No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0399305646          
0498957063 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0498957063 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No  No inspection since the XX-XX-XXXX XX-XX-XXXX XXXX disaster. 6.23.21: inspection received, no damage
0498957063 PRVAVALU2586 Significant variance between value at origination and most recent valuation Yes BPO is $XXX, more than 10% below the $XXX AUS value (No Data)
0337034660 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A (No Data)
0804783456          
0666449883 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible 6.14.21 AVM provided
0666449883 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No FEMA disaster Declaration #XXXX date XX-XX-XXXX, Effective date of XX-XX-XXXX for XXXX. AUS PIW approval date XXX.  6.23.21: inspection received, no damage
0290157694 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0392133211 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing verification of date of receipt for Initial CD XXX 6.22.2021 - Client responded:  Disagree: Borrower CD XXX issued XXX was eDelivered on XXX.  CD XXX was opened and acknowledged by borrowers on XXX XXX considers in hand delivery and meets timing for XXX closing date.  See attached document tracking.6.22.2021 - Clayton reviewed document tracking provided confirming receipt within 3 days.
0392133211 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates eligible for PIW. 6.14.21 AVM provided
0392133211 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No  No inspection since the XX-XX-XXXX XX-XX-XXXX XXXX disaster. 6.23.21: inspection received, no damage
0619639671 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible 6.14.21 AVM provided
0619639671 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA disaster Declaration #XXXX date XX-XX-XXXX, Effective date of XX-XX-XXXX for XXXX.  6.23.21: inspection received, no damage
0076016747 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 7.20.21: BPO Provided
0076016747 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA XX-XX-XXXX XX-XX-XXXX XXXX 6.23.21: inspection received, no damage
0475972658          
0096223028 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0011063044 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0539799880 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 7.20.21: BPO Provided
0539799880 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No  No inspection since the XX-XX-XXXX XX-XX-XXXX XXXX disaster. 6.23.21: inspection received, no damage
0470445477 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing primary borrower's paystub and W2 for Job 1 as required per AUS. Only income in file is for XXX 2nd job.  6/17/21 - Client provided a 2019 K1 and 1065 for XXX; income sufficient. 
0470445477 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0470445477 CRDINC2408 Income verification does not meet guidelines No Missing primary borrower's paystub and W2 for Job 1 as required per AUS. Only income in file is for XXX 2nd job.  6/17/21 - Client provided a 2019 K1 and 1065 for XXX ; income sufficient. 
0200734723          
0039178981          
0393724803 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX. Was not on the Disclosure Data sheet.  4.8.21 - Client Responded. Disagree: Initial CD Date Issued XXX was e-signed by the borrowers on XXX, 3 business days prior to closing on XXX. Consumer e-consent completed prior to e-signature date of XX. Please see attached XXX  Certificate for details.
0056616051 CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final CD, disclosed Finance Charge of $129,686.94.  Per pay stream calculations, Finance Charge is $129,892.94, resulting in understated  Finance Charge difference of $206.00 exceeding $100.00 Threshold. 4.6.21 - Client responded. Disagree: Final disclosed Finance Charge is $129,686.94. Calculated Finance Charge is $129,683.80. Finance Charge is overstated $3.14 and considered accurate. Prepaids included in calculation were: Commitment fee $495, Title Review Fee to Lender $200, Title - CPL, NOS, US Patriot Search $104, Title - Misc fees, XXX, wire, fax $105 and Settlement fee $425. Please see attached breakdown of title fees for further clarification.4.6.21 - Clayton has reviewed itemization of fees and corrected data. 
0056616051 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No CD: XXX [Last CD], Section: Loan Calculations, Field: AmountFinanced, Value: $198,671.00Field: Amount Financed as Calculated, Value: $198,465.00 per Clayton. Variance is $206.00 4.6.21 - Client responded. Disagree: Final disclosed Amount Financed is $198,671. Calculated Amount Financed is $198,671. Prepaids include: Commitment fee $495, Title Review Fee to Lender $200, Title - CPL, NOS, US Patriot Search $104, Title - Misc fees, XXX, wire, fax $105 and Settlement fee $425. Please see attached breakdown of title fees for further clarification.4.6.21 - Clayton has reviewed itemization of fees and corrected data. 
0056616051 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations  (No Data)
0056616051 CRDTER3122 Loan documents do not meet guideline requirements No Guidelines require verification of new secondary financing as reflected on Lenders 1008 and is included in DTI and CLTV for $XXX. Final Title policy does not reflect secondary financing. Provide evidence of secondary financing in the amount of $XXX on the subject property. 4.7.21 - Client responded. Updated title reflecting the secondary financing provided. 
0056616051 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since the XX-XX-XXXX declaration date, XX-XX-XXXX effective date, FEMA disaster XXXX Declaration #XXXX.  PDI received showing no damage.
0715549074 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0697056833 CRDINSR5351 Insurance Effective date is greater than the transaction date No Condo insurance policy effective XXX with note date of XXXProvide condo insurance policy in effect at note date.  2.8.21 - Client responded. XXX purchased this loan XXX and there was sufficient and valid insurance in place at the time of our purchase which meets requirements2.8.21 - Clayton has reviewed and we have to be able to validate that at the time of closing their was sufficient insurance, not at the tome XXX Purchased loan. Please provide proof of Insurance at time of subject closing XXX2.9.21 - Clayton has reviewed again and based on the fact the loan was a Correspondent loan and sold to client after new policy took place and that Condo Master Policy was included in original file we are confident subject property was also insured at time of closing. 
0697056833 CRDLGL100 Legal document incorrect or incomplete No Legal documents including AUS and flood reflect address as XXX and deed reflects XXX  2.8.21 - Client responded. It appears this is one and the same address as evidenced by the address showing on the title report attached.
0483497035 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0378744003          
0253830615 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0253830615 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX 5.10.21 - Client responded. Disagree: Initial CD in file has a Date Issued of XXX Presuming a 3 day mail + 3 day wait time, the borrower received the Initial CD at least three business days prior to the consummation date of XXX
0102222728          
0296031092 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file  (No Data)
0865048753 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No  List of homeowners counseling organizations not in file  (No Data)
0865048753 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0013051947 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No $120.00 Zero Tolerance due to increase of Credit Report Fee (increased from $0.00 to $120.00) on Final CD: XXX, without a valid Change in Circumstance (CIC).  Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 6.7.2021 Client responded:  Agree: The initial LE issued XXX disclosed the Credit Report Fee as $0.00. The consummation CD issued XXX disclosed the Credit Report Fee as $120.00. There is no changed circumstance in the file for this increase and no refund on the CD to cure this overage. The borrower is due a refund of $120.00 or provide a change circumstance with a valid reason for the increase in the Credit Report fee. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping.6.10.2021 Client responded:  Disagree: received a valid Change Circumstance dated XXX  with valid reason as Credit report expired and new report is needed at a $120 cost to the borrower and meets timing requirement, with received LE issued XXX esigned XXX evidencing credit report fee as $120.00. See attached Change Circumstance dated XXX and LE issued XXX 6.10.2021 Clayton response:  Client provided LE XXX and corresponding COC that were not included in original file.  This cured tolerance exception.
0584947318 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0783768426 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing VVOE for Borrower 2's XXX  job at XXX and signed 2018 tax returns.  3.23.21 - Client responded. VVOE provided. AUS commands #15 & #16 support only 1 year tax returns were needed to validate the XXX income and transcripts for 2019 were provided.
0783768426 CRDINC150 Income docs do not meet guidelines No Guidelines require that tax returns be signed or tax transcripts to validate income. Lender provided 2019 & 2018 personal tax returns and two copies of IRS tax transcripts for 2019 dated 1-7-21 and 1-12-21.Provide either 2018 signed personal tax returns or 2018 IRS tax transcripts.  3.23.21 - Client responded. AUS commands #15 & #16 support only 1 year tax returns were needed to validate the XXX income and transcripts for 2019 were provided.
0783768426 CRDINC2488 Verbal verification of employment missing No Missing VVOE from XXX for Borrower 2.  3.23.21 - Client responded. VVOE provided for B2. 
0678709871 CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Missing Seller CD to validate no other borrower fees paid by seller.  5.6.21 - Client responded. XXX  doesn't have a seller CD done on their new construction loans.5.6.21 - Clayton has reviewed and Seller CD not required for this. All fees reflected on borrower final CD. 
0528031847          
0478138328 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0478138328 CMPTRID5111 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered No No Econsent prior to Initial LE found in file. 3.18.21 - Client responded. Agree: Consummation Date is XXX Final LE Date Issued XXX provided 6 days. Presume regular mail should be 7 days (3 day mail + 4 day wait.) E-signature date is XXX. E-consent date from audit trail is XXX. Proof of borrower e-consent on or before XXX required to remedy.4.5.21 - Client responded. Disagree: Received audit trail for LE issued XXX evidencing it was sent and received on XXX. It also evidenced the borrower name, date of consent as XXX and IP address. See attached Audit Trail.
0493866162          
0489650290          
0904365024 CRDINSR289 Insufficient Hazard Insurance Coverage No Homeowners policy in file does not show guaranteed replacement cost, nor does the file contain the insurable value breakdown by the Insurance Company.  Please provide proof of GRC or the breakdown. 3.24.21 - Client responded. "See attached insurance and breakdown.
0195798214 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0195798214 CMPTRID4218 TRID - Costs at Closing and or Calculating Cash to Close tables are inconsistent across disclosures No Initial LE indicated as Refinance, Subsequent Disclosures indicated as purchase. (No Data)
0195798214 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing fully executed evidence that the HELOC has been paid and closed to future draws as required by title and payoff statement; Authorization to close form has not been signed by the borrowers.  3.29.21 - Client responded. See attached Title Policy, on page 10, that shows no 2nd mortgage was attached to property after closing.
0443429393 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0657134865 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing LP submission #19 and verification of mortgages on 2 properties in Texas along with evidence of all components of PITIA for both not to exceed $1828.69 and 1646.01.  3.16.21 - Client responded. LPA sub #19 provided. 
0657134865 CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No Missing verification of mortgage for XXX and XXX reflecting 0 x 30.  3.16.21 - Client responded. Properties had not been purchased by the borrower prior to subject loan note date although we did include payments from the Loan Estimates for these 2 properties. 
0657134865 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Guidelines require verification of all components of all properties owned. XXX review dated 2-5-21 indicates borrowers ownership of two additional properties located at: XXX and #XXX with payments of $1828.69 and $1646.01.Provide satisfactory evidence of PITIA for properties located at XXX and XXX at no more than $1828.69 and $1646.01 per month.  3.16.21 - Client responded. Properties had not been purchased by the borrower prior to subject loan note date although we did include payments from the Loan Estimates for these 2 properties. 
0657134865 CRDTER2548 Missing AUS or AUS errors present No Missing LP Submission 19 as indicated on XXX review dated 2-5-21.Subject to review which could trigger additional requirements.  3.16.21 - Client responded. See attached AUS LP submission number 19.
0972784965 CRDLGL140 Missing subordination agreement for existing junior lien No Missing subordination agreement for existing XXX HELOC to be placed in 2nd position. 3.19.21 - Client responded. See attached 2nd mortgage note for the HELOC.  2nd was a new loan done at origination of current loan.  So no subordination needed.
0978367298 CMPTRID3966 TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected No CD dated XXX under Lender Disclosures borrower opted for no escrows but did not select either or for You declined it or Your lender does not offer one. Please provide updated PCCD and LOE to borrower.  3.29.21 - Client responded. Agree: Consummation CD issued XXX Loan Disclosures section on page 4 will not have an escrow account because boxes are not checked. Updated Post Close CD to show either because you declined it or because your lender does not offer one box being checked required to remedy.4.5.21 - Client responded. Disagree: received PCCD issued XXX with a completed page 4 and LOX to the borrower; PCCD evidenced that the borrower declined to have an escrow account. Please see attached PCCD and LOX
0978367298 CRDTIL796 Missing Title No Missing title evidence.  3.29.21 - Client responded. See attached Title Policy
0763791921          
0346592089 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No The note and the Deed of trust is dated XXX and ROR dates were written by hand for XXX and XXX 3.29.21 - Client responded. "Disagree: The Deed of Trust was Notarized on XXX. A corrected PCCD issued XXX is present in the file and reflect the correct dates; Closing date of XXX and  disbursement of XXX. No remediation required. See attached PCCD issued XXX
0159519383          
0301067553          
0949119335 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations  (No Data)
0472239931          
0084136453          
0102786619 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0968355697 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0826978741 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Review's DTI calculation resulting in 45.57% exceeds the DU approve/eligible DTI of 35.37%.  Lender is to provide income calculations, REO calculations and any missing documentation that supports their DU approve/eligible findings or DU is to be rerun.   4.2.21 - Client responded. Please see attached documents for DTI discrepancy.XXX : Borrower hold title only. Mortgage belongs to other person  XXX Only tax and insurance ($893.16) has been included in DTI, not $3276. XXX : Net rent $1463.75 per Sch E, current PITI $2179.32. Net loss is $715.57 not $1003.XXX : using 75% of rent $4300 ($3225)  PITI payment $4194.24 =  ($969.24) Net rental loss. Attached 1003 does have continuance sheet for REO calculations. Income: Using 2 year average of distributions from XXX as shown on K-1 which equals $25,181. (2018 = $305,618; 2019 = $299,178) Using $25,181 with negative rental calculations above keeps DTI in tolerance at 36.82%
0826978741 CRDDTI134 Debt Ratio Exception =>10% No Review calculated DTI of 45.57% exceeds the DU approve/eligible DTI of 35.37% by more than the 3% tolerance; review calculates Subject PITI $4570.16 + consumer debts $2122 + REO 1 at XXX 2019 net loss ($1003) + REO 2 at XXX 2019 net loss ($3276) + REO 3 at XXX  net loss using current lease ($969.24)/DU qualifying income $26,200/mo.= 45.57% DTI. Lender did not provide an income calculation, the Schedule of REO continuation page is missing from the final 1003 and the lender submitted REO losses of ($715.57), ($893.16), and ($964.99) respectively with no calculation to validate.  Lender is to provide a clear and concise income calculation including all figures and where they were pulled from to validate the $26,200/mo. income submitted to DU.  Lender is to provide a standard addback REO calculation based on 2019 Sched E for REO 1 & 2 to compare with reviews calculations and the Sched of REO continuation page to be provided for all REOs.  If there is still a 3% variance after income and REOs have been verified, DU should be rerun based on the new findings.  Review is to verify the new figures once the lender provides these details (and a new DU approve/eligible if applicable) have been provided.   4.2.21 - Client responded. Please see attached documents for DTI discrepancy.XXX Borrower hold title only. Mortgage belongs to other person  XXX. Only tax and insurance ($893.16) has been included in DTI, not $3276. XXX : Net rent $1463.75 per Sch E, current PITI $2179.32. Net loss is $715.57 not $1003. XXX : using 75% of rent $4300 ($3225)  PITI payment $4194.24 =  ($969.24) Net rental loss. Attached 1003 does have continuance sheet for REO calculations. Income: Using 2 year average of distributions from XXX as shown on K-1 which equals $25,181. (2018 = $305,618; 2019 = $299,178) Using $25,181 with negative rental calculations above keeps DTI in tolerance at 36.82%
0814000065 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0814000065 CMPTRID3966 TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected No On final CD XXX under loan disclosures, the lender selected the borrower will not have an escrow account but the reason is missing. Please Provide PCCD and LOE to borrower to correct.   3.22.21 - Client responded. " Agree: consummation CD issued XXX page 4 is incomplete; missing reason why the borrower(s) will not have an escrow account.  Remediation requested"3.30.21 - Client responded. Disagree: PCCD issued XXX with a completed page 4 and LOX to the borrower present in the file; PCCD evidenced that the borrower declined to have an escrow account. Please see attached PCCD and LOX.
0474016973 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Need proof initial CD XXX was received by borrower 3 days before consummation date of XXX. No tracking disclosure in file to reflect now was sent or when borrower received.  3.26.21 - Client responded. Agree: Consummation date is XXX. Initial CD issued XXX provided 4 days. Regular mail should be 6 days (3 day mail + 3 day wait). No evidence of early receipt in file. Acceptable borrower electronic consent form missing. Requires proof of receipt of the Initial CD date issued XXX to remedy.4.6.21 - Client responded. Disagree: received Audit Trail History evidencing borrower name, consent date, IP address, and confirms initial CD sent XXX. CD XXX was e-delivered on XXX allowing at least 3 business days to review the CD prior to close on XXX See attached Audit Trail History.
0563213415          
0686190531 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing evidence that XXX mortgage on primary home includes taxes and insurance in payment of $5029. 4.6.21 - Client responded. See updated documentation with Tax/insurance
0686190531 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing evidence that the XXX mortgage of $5029 includes taxes and insurance for the borrowers primary housing to ensure DTI is calculated correctly.  4.6.21 - Client responded. See updated documentation with Tax/insurance
0538142765          
0165069423          
0079253734 CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final CD, disclosed Finance Charge of $358,549.55.  Per pay stream calculations, Finance Charge is $358,799.55, resulting in understated  Finance Charge difference of $250.00 exceeding $100.00 Threshold. A review of fees looks like there is a $250 Title-Escrow Processing Fee that was not included by client as an APR fee.  4.8.21 - Client responded. Agree: Final CD Finance Charge is understated by $250. Per Loan Detail Report in file, the Title - Escrow Loan Tie In Fee $250 was not included in the clients calculation. Borrower is due a refund in the amount of $250 to remedy.5.4.21 - Client responded. Received Post Closing CD and Final Settlement Statement, reflecting the final fees charged/correct Finance Charge fees. No refund is due to the borrower. See attached PC CD and Final Settlement Statement. 
0079253734 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No CD: XXX [Last CD], Section: Loan Calculations, Field: AmountFinanced, Value: $743,701.46Field: Amount Financed as Calculated, Value: $743,451.46. A review of fees looks like there is a $250 Title-Escrow Processing Fee that was not included by client as an APR fee.  4.8.21 - Client responded. Agree: Final CD Finance Charge is understated by $250. Per Loan Detail Report in file, the Title - Escrow Loan Tie In Fee $250 was not included in the clients calculation. Borrower is due a refund in the amount of $250 to remedy.5.4.21 - Client responded. Received Post Closing CD and Final Settlement Statement, reflecting the final fees charged/correct Finance Charge fees. No refund is due to the borrower. See attached PC CD and Final Settlement Statement. 
0490524689          
0849548982          
0042321818          
0732783118 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0538679763 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0586193226          
0329249644          
0182560641          
0353726905          
0825535579 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing a copy of the divorce decree, separation agreement, or any other written legal agreement to verify the Child Support obligation in the amount of $800.00/month as stated on the 1003 Application to meet ATR/QM requirements. 3.18.21 - Client responded. Divorce Decree provided to support $800 a month & Confirmation of receipt from payee. 
0825535579 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0825535579 CRDTER3122 Loan documents do not meet guideline requirements No Missing a copy of the divorce decree, separation agreement, or any other written legal agreement to verify the Child Support obligation in the amount of $800.00/month as stated on the 1003 Application. 3.18.21 - Client responded. Divorce Decree provided to support $800 a month & Confirmation of receipt from payee. 
0106334867          
0276082984          
0521022519          
0832806832 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing current leases or Appraisal reports to support rental income used for XXX and XXX and AUS reflects Borrower 2 income as second job base instead of commission.  3.25.21 - Client responded. The properties were tenant occupied at the time of purchase and the month to month leases provided were in force at the time of the new rental properties were purchased and do meet agency policy. Agree that the AUS shows base income instead of commission income for B2.  While this may have been entered incorrectly into DU, the client qualified using a full 2 year average (2019 W-2  and  year end 2020 paystub) this change of income type in DU would not have affected AUS eligibility.
0832806832 CRDINC150 Income docs do not meet guidelines No Guidelines require that rental income be documented by tax returns, current lease or an appraisal that establishes the fair market rental value.Lender provided outdated leases on the following properties: XXX and XXX. Both properties were recently purchased by the borrower and financed by the lender.Provide satisfactory evidence per XXX requirements to support rental income of $4375 on XXX and $6600 on XXX 3.25.21 - Client responded. The properties were tenant occupied at the time of purchase and the month to month leases provided were in force at the time of the new rental properties were purchased and do meet agency policy.
0832806832 CRDTER2548 Missing AUS or AUS errors present No AUS reflects Borrower 2 income as base income instead of commission income as verified on paystubs. AUS should be provided reflecting the income entered properly for commission income and the standard conditions that would apply.  3.25.21 - Client responded. Agree that the AUS shows base income instead of commission income for B2.  While this may have been entered incorrectly into DU, the client qualified using a full 2 year average (2019 W-2  and  year end 2020 paystub) this change of income type in DU would not have affected AUS eligibility.3.25.21 - Clayton has reviewed and documents required for commission income per Fannie Mae guides are in file. As the issue was the AUS was run incorrectly we view this as non-material. 
0932747421 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing Homeowner's Counseling Disclosure (No Data)
0932747421 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD.  As fees are at least shown this is not a material issue.  This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied.  Final Grade A. (No Data)
0509487373          
0790784827          
0075945838          
0213036723          
0945064373          
0115690432 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0588979885 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data)
0442627359          
0707482072 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0707482072 CRDAST205 Insufficient Funds to Close No Missing proof of liquidation from the XXX 401k asset account . AUS reflects this account as stocks, however these are retirement assets  5.11.21 - Client responded. See attached documentation. February and March statements provided along with updated assets.
0707482072 CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing the terms of withdrawal for the 401K XXX Assets in file  5.11.21 - Client responded. See attached documentation. February and March statements provided along with updated assets.
0450188967 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0348817876 CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Guidelines require satisfactory evidence of gift funds transfer from donor's account to settlement agent. Lender conditioned for proof of the wire for $165,000 for the second gift. Final CD reflects gift from donor in the summary of transactions, however FHLMC requires wire transfer confirmation or a copy of a cashier's check from donor to the settlement agent. Provide satisfactory evidence the donor's wire transfer or cashier's check to the settlement agent for $165,000 gift.    3.17.21 - Client responded. Copy of wire transaction from gift to settlement agent provided. 
0686642224 CRDAST205 Insufficient Funds to Close No Missing an additional $33,224.46 required to close, in liquid funds from a borrower owned account; DU was run with account balances that do not belong to borrower, including an account balance that the $50K gift funds are sourced from.  XXX XXX with balance of $60,564.39 as of 1/7/21 is where the $50K gift funds are coming from, which was transferred to title on XXX.  XXX XXX with balance of $6829.61 as of 1/7/21 is also not the borrower's account.  Rerun DU with those two balances removed and provide additional liquid funds belonging to the borrower of at least $33,224.46.   4.6.21 - Client responded. See updated DU, 1003, bank statement and 1008
0628933297 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No $50.00 Zero Tolerance due to decrease increase of Appraisal Fee (increased from $500.00 to $550.00) on Final CD: XXX, without a valid Change in Circumstance (CIC).  Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 5.27.2021 Client responded:  Agree: The initial LE issued XXX disclosed the Appraisal Fee as $500. The consummation CD issued XXX disclosed the Appraisal Fee as $550. There was no change of circumstance documentation provided in the file to determine the reason for the increase. Borrower is due a refund of $50. Requires a valid change circumstance, or corrected PCCD, copy of refund check, LOX and verification of shipping6.3.2021 Client responded:  Disagree: Remedy has been completed. Correspondent Seller provided a corrected post-consummation CD Date Issued XXX, a refund check dated XXX in the amount of $50.00 to the borrower, an LOX and shipping label. See attached PCCD, Refund Check, LOX and Shipping Label.6.3.2021 - Client provided PCCD, LOX, $50 refund check and proof of delivery.
0628933297 CRDAST205 Insufficient Funds to Close No Guidelines require verification of sufficient funds to close. Lender provided XXX Bank statement dated 2-20-21 with a balance of $11,163.12 and evidence of a IRS tax payment dated 3-23-21 for $10,601.46. Remaining balance = $561.66Provide evidence of sufficient funds to close.; minor amount deemed non material 6/2/21 - Lender provided updated final CD along with a letter of explanation for improper appraisal fee of $50 and refund check showing borrowers received a $50 refund. Adding this amount and funds to close from CD to assets in file shows a short to close of $1,421.66 remains. Additional assets required. 
0354997269 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Need proof CD: XXX was received by borrower 3 days before consummation date of XXX 5.27.2021 Client responded:  Initial CD Date Issued XXX was received by the borrowers on XXX more than 3 business days prior to closing on XXX Consumer e-consent also completed XXX. Please see attached XXX audit trail for evidence of receipt.5.27.2021 Clayton response:  Client provided audit trail confirming receipt.
0584321371          
0822939691 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing evidence of cash out refinance on property located at XXX reflecting a new PITI of $2565.32 and cash out proceeds of $113,000 to fund cash to close on subject property. Provide Copy of note and final signed CD for XXX 3.24.21 - Client responded.  See attached CD showing cash proceeds of $140,923; See attached CD showing PITI of $1884.57
0822939691 CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Lender approval based on asset verification of $113,000 in proceeds from refinance of XXXProvide copy of final signed CD on XXX reflecting cash back to the borrower of $113,000.   3.24.21 - Client responded. See attached CD showing cash proceeds of $140,923
0822939691 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Guidelines require that all components of PITI be verified on all property owned. Lender approved loan subject to the refinance of rental property located at XXX with PITI of $2565.32. Lender provided evidence of monthly taxes at $641.61 and HOI of $55.42. Provide a copy of the note with a principal and interest payment of no more than $1,868.29  3.24.21 - Client responded. See attached CD showing PITI of $1884.57
0807088747 CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of: XXX prior to required Disbursement date: XXX, based on transaction date of:  XXX 4.27.21 - Client responded. Agree: Disbursement date of XXX listed on Consummation CD Date Issued XXX is before end of required rescission period. Remedy with PC CD showing corrected disbursement date of XXX or later. If true disbursement date was XXX rescission will need to be re-opened.4.29.21 - Client responded. Received Final Settlement Statement evidencing loan was disbursed after rescission end period on XXX. See attached Final Settlement Statement.
0401038054 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0revisions.  Exception satisfied.  (No Data)
0401038054 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0009390784 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0009390784 CRDAST2670 Asset documentation is insufficient per guideline requirements No XXX acct #XXX has only 1 month of statements in file. Guidelines and AUS required 2 months of statements. Missing 1 month; partial asset for this loan deemed non material (No Data)
0409146264 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0977150090          
0308309460 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied.  (No Data)
0996276427 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible.  6.14.21 AVM provided
0996276427 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection as PIW eligible with AUS run date of XX-XX-XXXX and note date of XXXFEMA XXX 6.23.21: inspection received, no damage
0794712026 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing evidence of Affiliate Business Disclosure  (No Data)
0487473372          
0311516659          
0309444400 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing the statement from the 2019 tax returns to verify the additional Business Miles income in the amount of $5,824.52 per the lender income calculator.  4.26.21 - Client responded. Full 2019 returns provided as well as Business miles to calculate miles income which supports income used. 
0309444400 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0309444400 CRDDTI187 Debt Ratio > 50% No DTI > 50% due to how the Clayton UW calculated B1s XXX income. Income calculation as follows: B1 Using 2019 Schedule C average income: $78,444.00/12 = $6,537.00/month. The lender qualified with $7,022.38/month. Per the lenders Income Calculator, Business Miles were added into the income. Business Miles calculation as follows: 22,402 miles *.26 = $5,824.52 Total Miles Depreciation. The statement is missing from the tax returns to verify the additional Business Miles income. 4.26.21 - Client responded. Full 2019 returns provided as well as Business miles to calculate miles income which supports income used. 
0309444400 CRDINC888 Income Amount is  Unsupported by Documentation in File No Missing the statement from the 2019 tax returns to verify the additional Business Miles income in the amount of $5,824.52 per the lender income calculator.  4.26.21 - Client responded. Full 2019 returns provided as well as Business miles to calculate miles income.
0902151841 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Need proof Final LE: XXX was received by borrower 1 day prior Initial CD: XXX. 5.27.2021 Client responded:  Agree: Last disclosed LE date issued is XXX is unsigned. No evidence of early receipt prior to initial CD date issued XXX or consummation date of XXX and does not meet timing requirements6.3.2021 Client responded:  Disagree: LE XXX was eDelivered  and viewed on XXX. XXX considers in hand delivery and meets timing for received 1 day prior to initial CD issued XXX and for XXX closing date. See attached Disclosure Tracking.6.3.2021 Clayton response:  Client provided disclosure tracking confirming borrower received initial CD XXX.
0794013825          
0902974675 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0835404285          
0159901699 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied.  (No Data)
0159901699 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible 7.20.21: BPO Provided
0159901699 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No The FEMA disaster occurred in XX-XX-XXXX prior to the AUS approval date of XXX. 6.23.21: inspection received, no damage
0217768633          
0910472369 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0910472369 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0910472369 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0910472369 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No Loan Approved by AUS as an Appraisal Waiver (PIW); FEMA Declaration date XX-XX-XXXX AUS approval XXX, pending Post Disaster Inspection. 6.23.21: inspection received, no damage
0724931646          
0850428764          
0296720472          
0397187574          
0932524843 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0792909006 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0792909006 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0856680031 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0664375748          
0693688796 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data)
0693688796 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0007408302 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing fully executed request to close line of credit. Final CD paying of XXX Bank HELOC in the amount of $158,550.12. 5.6.21 - Client responded. "See attached documentation. Signed letter to close provided. 
0995513901          
0049031123          
0004213081 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No "Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. " (No Data)
0104604322 CRDLGL2550 Missing HUD-1 from sale of property No Missing CD or HUD-1 from the original sale of the subject property at XXX to verify the 2nd mortgage being paid in the amount of $XXX was used to purchase the property.  5.6.21 - Client responded. See attached court records, title commitment, and credit showing 2nd part of purchase.
0976820962          
0222181693 CMPMAN2956 Missing disclosure No COC in file dated XXX discloses an increase in appraisal fee and total closing costs.  Last CD provided XXX.  PCCD dated XXX missing from file. 6.8.2021 Client responded:  Disagree: There is no PC CD issued on XXX, however, there is one issued on XXX which meets timing requirements. The PC CD issued XXX does not reflect an increase in the Appraisal Fee. This is not a testing defect so no corrective action is required.6.8.2021 Clayton response - Client provided PCCD XXX missing from file.
0222181693 CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No  RESPA - List of homeowners counseling organizations not available in file to verify that it was compliant. Acknowledgement of receipt is present but actual list given to borrower missing. 6.8.2021 No document sent to clear.
0222181693 CRDTER3122 Loan documents do not meet guideline requirements No Borrower's declaration indicates they are party to a lawsuit. Guidelines require that the lender determines if the lawsuit will have any impact on the borrower's ability to repay the loan - an explanation was not provided.Provide a satisfactory explanation regarding lawsuit.  6/17/2021 - Client provided letter of explanation, confirming directly with the borrowers, they are not party to a lawsuit, the loan application was marked in error.
0966893912 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Non QM: Lender documented all ATR UW Factor; Lender status: Gse Temporary - Qm/Sh, Loan is Non QM due to Missing proof of the HOA due monthly amount for the property located at XXX 5.13.21: lender provided HOA evidence
0966893912 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0966893912 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0966893912 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing proof of the HOA due monthly amount for the property located at XXX 5.13.21: lender provided HOA evidence
0186077186          
0091558556          
0514588845 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No PIW in file 6.14.21 AVM provided
0514588845 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA XXXX Declaration Date XX-XX-XXXX and Effective Date XX-XX-XXXX. Clayton will order Inspection. 6.23.21: inspection received, no damage
0225945982 CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No $177.00 Ten percent tolerance due to increase in Recording Fees, from $180.00 to $375.00, on Final CD: XXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping.  ($900.00 credit on Final CD was only for the Zero Tolerance due to increase in Appraisal Fee). 6.3.2021 Client responded:  Agree: Initial LE issued XXX disclosed the recording fees as $180. The Final CD issued XXX disclosed the recording fees as $375. No evidence of a changed circumstance was provided in the file. Valid change of circumstance reason is required to remedy, or the borrower is due a refund check in the amount of $177 along with an updated PC CD, LOX and proof of shipping.7.1.2021 - Client provided PCCD XXX showing lower recording fees.
0210212786          
0597379611 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure  (No Data)
0406639347          
0611632967 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing the Lease Agreement to verify the current monthly rent in the amount of $2,550.00 for the current residence at XXX 5/17/21: lease provided
0611632967 CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No List of homeowners counseling organizations provided XXX. Not w/in 3 days of application XXX (No Data)
0611632967 CRDINC2408 Income verification does not meet guidelines No Missing the Lease Agreement to verify the current monthly rent in the amount of $2,550.00 for the current residence at XXX 5/17/21: lease provided
0143166631 CRDINSR5351 Insurance Effective date is greater than the transaction date No XXX insurance start date; disbursement date is XXX 5/26/21: lender attests- XXX validated that acceptable insurance was in place prior to purchase by XXX which was XXX. Additionally, the full year insurance premium was paid on the consummation CD.    XXX  validated that acceptable insurance was in place prior to purchase by XXX  which was XXX. Additionally, the full year insurance premium was paid on  the consummation CD. 
0981694492          
0655513132 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0003806968          
0363248524 CRDINSR2400 Missing Flood Certification Document No Missing standard Flood Cert.  4.23.21 - Client responded. Flood Cert provided. 
0226111547          
0479414942 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0657287070 CRDAST2670 Asset documentation is insufficient per guideline requirements No Guidelines require 2 consecutive months bank statements.Lender provided XXX Bank statements dated 11-15-20, 12-15-20, 2-15-21 and a XXX asset report dated 12-24-20.Provide 1-15-21 XXX Bank statement.   6/9/21 - Client provided settlement statement from sale of prior home. 1/2021 XXX bank statement required to cleared exception. 6/10/21 - Client provided settlement statement from sale of prior home showing $615,994.52 back to borrowers. Review used these funds instead of bank assets which were sufficient to close and reserves.  
0283469299 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Homeowners Counseling is missing from file, only signed acknowledgment was found. (No Data)
0283469299 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0283469299 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0431651477          
0229788637          
0592905580 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0592905580 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0052345282          
0442942295          
0760347125          
0274440816          
0781452192          
0254631601          
0948574264          
0414829830 CMPTRID4056 TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount No Final CD XXX Section: Loan Calculation, Field: Total of Payments, CD Value: $XXX review calculation $XXX. Corrected on PCCD. Exception satisfied. (No Data)
0119890972 CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No RESPA homeownership counseling organizations list provided XXX, application date XXX.  (No Data)
0135301233          
0987792964          
0671548283 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not located in the file.  (No Data)
0671548283 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing from file. (No Data)
0671548283 CMPRESPA3012 RESPA - Missing list of Settlement Service Providers No Missing list of Settlement Service Providers 5/26/21: doc provided
0712208302 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0712208302 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0556655652 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW Eligible. 7.20.21: BPO Provided
0556655652 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No FEMA event XXX 6.23.21: inspection received, no damage
0333599636          
0124049247          
0070250346 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied.  (No Data)
0216907128 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing satisfactory proof of borrowers current receipt of SSI benefits for dependent.  6/17/21 - Client provided 2 months of XXX bank statements showing SSI deposits.  
0216907128 CRDINC3204 Income Documentation Missing No XXX guidelines require proof of borrowers current receipt of Social Security benefits for dependent person. Bank statements provided by lender do not reflect direct deposit of SSI.Provide satisfactory proof of borrowers current receipt of SSI benefits used to qualify.   6/17/21 - Client provided 2 months of XXX statements showing SSI deposits.  
0574237189          
0783687948 CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No Homeowner's counseling notice is missing list of at least 10 counselors (No Data)
0423064695 PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Appraisal was completed subject to completion of the current remodel in progress which includes the following: all interior flooring, safety railing at stairs to remedy health and safety issues, all light fixtures, remedy all exposed wiring, complete all bathrooms, install built ins at master walk in closet. Provide final inspection reflecting all requirements completed.  6.24.21: completion cert provided
0893901140 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing proof of payoff of the installment auto account with XXX XXX.2. Missing the Bridge Loan documentation for XXX XXX. 3.  6/8/21 - Received a Final settlement statement dated XXX showing $405,316.53 cash to seller and payoff of XXX loan and payoff of XXX installment loan. 
0893901140 CMPDOC191 Missing Mortgage No File is missing the subject 1ST Mortgage ($XXX); only the 2ND Mortgage with a credit limit of $XXX was in file. 5/26/21: doc provided
0893901140 CRDAST205 Insufficient Funds to Close No Missing documentation for the XXX XXX used as funds to close. 6/14/21 - REVISIT FROM 6/8/21 STIP CLEARING TO ADD COMMENTS  Received a Final settlement statement dated XXX showing $405,316.53 cash to seller and payoff of XXX loan. 
0893901140 CRDCRMH1805 Debts/obligations not disclosed/accounted for at origination No Missing the Bridge Loan documentation for XXX XXX. The monthly payment was not included in the DTI Ratio. ***DTI Pending*** 6/8/21 - Received a Final settlement statement dated XXX showing $405,316.53 cash to seller and payoff of XXX loan. 
0893901140 CRDTER3122 Loan documents do not meet guideline requirements No Missing proof of payoff of the installment auto account with XXX xxx XXX. ***DTI Pending*** 6/8/21 - Received a Final settlement statement dated XXX showing $405,316.53 cash to seller and payoff of XXX loan and XX installment loan. 
0940694353 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible 6.14.21 AVM provided
0940694353 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA disaster Declaration #XXXX date XX-XX-XXXX, Effective date of XX-XX-XXXX for XXXX. AUS approval date XX-XX-XXXX, PIW eligible.  6.23.21: inspection received, no damage
0604044409          
0510533426 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No $4,186.78 Zero Tolerance due to increase of Discount Points (increased from $7,360.00 to $11,471.78), and increase of Appraisal Fee (increased from $800.00 to $875.00) on Final CD: XXX, without a valid Change in Circumstance (CIC).  Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 6/10/21: Agree: $4,186.78 refund required for unacceptable increase in 0% fees. The loan was locked on XXX and $7,360 points were added. Valid change of circumstance in file for this change. Points increased to $11,471.78 on Initial CD issued XXX and remained that amount at closing. No valid change of circumstance present in file for this increase. Appraisal fee increased from $800 to $875 on Initial CD without a valid change of circumstance. Remedy with valid change of circumstance documentation or issue a corrected PC CD, LOX and refund check to the borrower in the amount of $4,186.78.8.11.2021 - Client provided CIC for appraisal fee and lock confirmation 
0440403424 CMPDOC191 Missing Mortgage No File is missing the Executed Mortgage. 5/26/21: doc provided
0371628236          
0049055300 PRVAAPPR5437 Loan file contains Property Inspection Waiver (PIW)/AW No AUS indicates PIW eligible. 6.14.21 AVM provided
0049055300 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No  No inspection since the XX-XX-XXXX XX-XX-XXXX XXXX disaster. 6.23.21: inspection received, no damage
0049055300 PRVAVALU2586 Significant variance between value at origination and most recent valuation Yes $BPO is $XXX, more than 10% below the $XXX AUS value (No Data)
0445041765 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0894453004          

 

Issuance Id Conclusion Comments TRID Error Type Cure Method Compensating Factors Loan Status
0820320884       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  756 qualifying score. Min required per guidelines is 720

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrow has started a new career with company and has new potential for increased earnings

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower received a 5000.00 bonus in 2019 and was not used in qualifying
 Complete
0588580161 (No Data) (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  64 months of 0x30 consumer credit history

CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any derogatory or delinquency on his report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 28.10% below maximum allowed of 97%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 44.45% is below guideline requirement.
 Complete
0448106681       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 80%  max allowed per guidelines is 95%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  732 qualifying score. Min required per guidelines is 620
 Complete
0012184588       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $389,786.15 in total assets documented. Effective amount is $254,735.51, with liquid assets of $254,735.51. Cash required to close $220,262.32. Post close reserves are $34,473.19. Reserves required 0.Excess Post-closing reserves of $34,473.19.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage with XXX Bank reporting 25 months with no late payments.
 Complete
0545117571 9.21.20 - Exception remains. 6/1/21: exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 804 is 124 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 20.64% is 22.36 points below the maximum allowable DTI of 43%.
 Complete
0545117571 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 804 is 124 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 20.64% is 22.36 points below the maximum allowable DTI of 43%.
 Complete
0508493137 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  756 qual score.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 in the same profession for 18 years.
 Complete
0098182298 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $508,200.57 in total assets documented. Effective amount is $229,252.18, with liquid assets of $229,252.18. Cash required to close $214,199.97. Post close reserves are $15,852.21. Reserves required per DU $0 + XXX $4833.Excess Post-closing reserves of $11,019.21.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 74.76% is 20.24 below the maximum of 95%
 Complete
0519291206 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 749 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 36.79% is below guideline maximum DTI.
 Complete
0519291206 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 749 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 36.79% is below guideline maximum DTI.
 Complete
0679327661 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $303,103.55 in total assets documented. Effective amount is $303,103.55, with liquid assets of $303,103.55. Cash required to close $271,699.60 (Ctc $191,699.60 + $80,000 EMD (counted in gift funds). Post close reserves are $31,403.95. Reserves required $0. Excess Post-closing reserves of $31,403.95.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 8 years on current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  68.75% is 26.25 below the maximum of 95%.
 Complete
0679327661 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $303,103.55 in total assets documented. Effective amount is $303,103.55, with liquid assets of $303,103.55. Cash required to close $271,699.60 (Ctc $191,699.60 + $80,000 EMD (counted in gift funds). Post close reserves are $31,403.95. Reserves required $0. Excess Post-closing reserves of $31,403.95.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 8 years on current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  68.75% is 26.25 below the maximum of 95%.
 Complete
0679327661 6.29.2021 - Exception remains.7.1.21: exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $303,103.55 in total assets documented. Effective amount is $303,103.55, with liquid assets of $303,103.55. Cash required to close $271,699.60 (Ctc $191,699.60 + $80,000 EMD (counted in gift funds). Post close reserves are $31,403.95. Reserves required $0. Excess Post-closing reserves of $31,403.95.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 8 years on current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  68.75% is 26.25 below the maximum of 95%.
 Complete
0679327661 6.29.2021 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $303,103.55 in total assets documented. Effective amount is $303,103.55, with liquid assets of $303,103.55. Cash required to close $271,699.60 (Ctc $191,699.60 + $80,000 EMD (counted in gift funds). Post close reserves are $31,403.95. Reserves required $0. Excess Post-closing reserves of $31,403.95.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 8 years on current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  68.75% is 26.25 below the maximum of 95%.
 Complete
0201913754       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $449860.34 in total assets documented. Effective amount is $449,860.34, with liquid assets of $449,860.34. Cash required to close $405,930.96. Post close reserves are $43,929.38. Reserves required $0.Excess Post-closing reserves of $43,929.38.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 10 years on job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has over 19 years on job.
 Complete
0757116660       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 16 years in the professionCo-Borrower has 21 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 738 exceeds guideline minimum score.
 Complete
0837546803       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 768 exceeds guidelines.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $326,389.63 in reserves.
 Complete
0131643972 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $2,114,556 in total assets documented. Effective amount is $810,305.58, with liquid assets of $810,305.58. Cash required to close $560,002.66. Post close reserves are $250,302.92. Reserves required $0.Excess Post-closing reserves of $250,302.92. *Total assets include several accounts not used in DU evaluation.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.79% is 24.21 points below the maximum allowable DTI of 43%.
 Complete
0131643972 3.16.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $2,114,556 in total assets documented. Effective amount is $810,305.58, with liquid assets of $810,305.58. Cash required to close $560,002.66. Post close reserves are $250,302.92. Reserves required $0.Excess Post-closing reserves of $250,302.92. *Total assets include several accounts not used in DU evaluation.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.79% is 24.21 points below the maximum allowable DTI of 43%.
 Complete
0358212409 3.12.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.98% is below guideline maximum DTI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 801 exceeds guideline minimum score.
 Complete
0472587491 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The DTI is below guideline requirement max of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The LTV is below guideline requirement max of 80%.
 Complete
0254013856       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  9 years in the job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 795 exceeds guideline minimum score.
 Complete
0622741649 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for the past 14 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in her profession for the past 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 768 exceeds guidelines.
 Complete
0622741649 5.27.2021 Exception remains8.11.2021 - Exception satisfied Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for the past 14 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in her profession for the past 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 768 exceeds guidelines.
 Complete
0495399448 6.29.2021 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $85,794.50 in total assets documented. Effective amount is $85,794.50, with liquid assets of $85,794.50. Cash required to close $52,937.33. Post close reserves are $32,857.17. Reserves required $0. Excess Post-closing reserves of $32,857.17.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower also has overtime income: 2020 $6458.89, 2019 $3607.92, 2018 $1893.07. Not used to qualify.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  77.42% is 17.58 below the maximum of 95%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 6 years on current job.
 Complete
0495399448 6.24.21:  items 2 and 4 cleared; exception remains pending items 1 and 3 yet to be provided;8.4.21: agree, exception satisfied with latest docs and clarification (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $85,794.50 in total assets documented. Effective amount is $85,794.50, with liquid assets of $85,794.50. Cash required to close $52,937.33. Post close reserves are $32,857.17. Reserves required $0. Excess Post-closing reserves of $32,857.17.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower also has overtime income: 2020 $6458.89, 2019 $3607.92, 2018 $1893.07. Not used to qualify.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  77.42% is 17.58 below the maximum of 95%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 6 years on current job.
 Complete
0758393035       CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 9 years in XXX.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history. 24 months required.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  4 years working at XXX.
 Complete
0610713429 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 20 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 80.00 is below maximum guideline of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $117,134.72 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0610713429 6.22.2021 Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 20 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 80.00 is below maximum guideline of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $117,134.72 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0610713429 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 20 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 80.00 is below maximum guideline of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $117,134.72 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0610713429  6.23.21: exception satisfied (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 20 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 80.00 is below maximum guideline of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $117,134.72 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0038041422 6.29.2021 - Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $91,528.13 in total assets documented. Effective amount is $91,528.13, with liquid assets of $91,528.13. Cash required to close $757.68. Post close reserves are $90,770.45. Reserves required $6,317.05 + POC $596.46. Excess Post-closing reserves of $83,856.94.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 42.61% is 47.39 below the maximum of 90%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 19 years on current job.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower also receives bonus income: 2020 $519,062.43, 2019 $479,363.70, 2018 $240,713.62. Income not used to qualify.
 Complete
0674014055 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history

CFCFS2854: Significant time in profession
- Clayton Comments:  13 years as a XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  66 months of reserves.
 Complete
0929635416 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.97% is 8.03 points below the maximum allowable DTI of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $966,872.45 in total assets documented. Effective amount is $708,730.28, with liquid assets of $559,828.33. Cash required to close $156,287.68. Post close reserves are $552,442.60. Reserves required $9,384.78.Excess Post-closing reserves of $543,057.82.
 Complete
0838492108       CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 31mos; maximum required 12mos

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 credit score.  Minimum required is 720.
 Complete
0809010456 6.23.21: exception remains (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $230,473.63 in total assets documented. Effective amount is $230,473.63, with liquid assets of $230,473.63. Cash required to close $188,937.75. Post close reserves are $41,535.88. Reserves required $0. Excess Post-closing reserves of $41,535.88.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 73.98% is 21.02 below the maximum of 95%.
 Complete
0809010456 6.29.2021 Exception remains.7.1.21: lender agrees, exception remains pending cure  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $230,473.63 in total assets documented. Effective amount is $230,473.63, with liquid assets of $230,473.63. Cash required to close $188,937.75. Post close reserves are $41,535.88. Reserves required $0. Excess Post-closing reserves of $41,535.88.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 73.98% is 21.02 below the maximum of 95%.
 Complete
0809010456 6.29.2021 Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $230,473.63 in total assets documented. Effective amount is $230,473.63, with liquid assets of $230,473.63. Cash required to close $188,937.75. Post close reserves are $41,535.88. Reserves required $0. Excess Post-closing reserves of $41,535.88.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 73.98% is 21.02 below the maximum of 95%.
 Complete
0809010456 6.23.21: exception remains (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $230,473.63 in total assets documented. Effective amount is $230,473.63, with liquid assets of $230,473.63. Cash required to close $188,937.75. Post close reserves are $41,535.88. Reserves required $0. Excess Post-closing reserves of $41,535.88.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 73.98% is 21.02 below the maximum of 95%.
 Complete
0809010456 6.23.21: exception remains (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $230,473.63 in total assets documented. Effective amount is $230,473.63, with liquid assets of $230,473.63. Cash required to close $188,937.75. Post close reserves are $41,535.88. Reserves required $0. Excess Post-closing reserves of $41,535.88.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 73.98% is 21.02 below the maximum of 95%.
 Complete
0809010456 6.23.21: exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $230,473.63 in total assets documented. Effective amount is $230,473.63, with liquid assets of $230,473.63. Cash required to close $188,937.75. Post close reserves are $41,535.88. Reserves required $0. Excess Post-closing reserves of $41,535.88.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 73.98% is 21.02 below the maximum of 95%.
 Complete
0809010456 6.30.21: exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $230,473.63 in total assets documented. Effective amount is $230,473.63, with liquid assets of $230,473.63. Cash required to close $188,937.75. Post close reserves are $41,535.88. Reserves required $0. Excess Post-closing reserves of $41,535.88.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 73.98% is 21.02 below the maximum of 95%.
 Complete
0778965382 2.11.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $135,043.40 in total assets documented. Effective amount is $135,043.40, with liquid assets of $135,043.40. Cash required to close $4,685.16. Post close reserves are $130,358.24. Reserves required 0.Excess Post-closing reserves of $130,358.24.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for over 5 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has two mortgages with a payment history of 25 and 29 months with no late payments on either account.
 Complete
0778965382 2.11.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $135,043.40 in total assets documented. Effective amount is $135,043.40, with liquid assets of $135,043.40. Cash required to close $4,685.16. Post close reserves are $130,358.24. Reserves required 0.Excess Post-closing reserves of $130,358.24.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for over 5 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has two mortgages with a payment history of 25 and 29 months with no late payments on either account.
 Complete
0778965382 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $135,043.40 in total assets documented. Effective amount is $135,043.40, with liquid assets of $135,043.40. Cash required to close $4,685.16. Post close reserves are $130,358.24. Reserves required 0.Excess Post-closing reserves of $130,358.24.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for over 5 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has two mortgages with a payment history of 25 and 29 months with no late payments on either account.
 Complete
0106154913 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $895,035.96 in total assets documented. Effective amount is $174,033.34, with liquid assets of $174,033.34. Cash required to close $2,165.66. Post close reserves are $171,867.68. Reserves required for 2 XXX accounts $10,796.Excess Post-closing reserves of $161,071.68.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $1098.43; Subject PI is $856.77. Savings of $241.66 per month.
 Complete
0106154913 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $895,035.96 in total assets documented. Effective amount is $174,033.34, with liquid assets of $174,033.34. Cash required to close $2,165.66. Post close reserves are $171,867.68. Reserves required for 2 XXX accounts $10,796.Excess Post-closing reserves of $161,071.68.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $1098.43; Subject PI is $856.77. Savings of $241.66 per month.
 Complete
0172330528 (No Data) (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower receives medical reimbursement from the XXXX as a retirement benefit at $364 per month supported by letter from HR dated 8-20-19  income not used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $352,949.22 in total assets documented. Effective amount is $352,949.22, with liquid assets of $352,949.22. Cash required to close $138,871.73. Post close reserves are $214,077.49. Reserves required $0.Excess Post-closing reserves of $214,077.49.
 Complete
0891218827 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 33.65% is 9.35 points below the maximum allowable DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 60% is 20 below the maximum of 80%.
 Complete
0126209341       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 26 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 32.92% is 10.08 points below DTI of 43%.
 Complete
0301082076 2.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 20 months reported on current mortgage with no late payments.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 10 years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has over 10 years on job.
 Complete
0301082076 (No Data) (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 20 months reported on current mortgage with no late payments.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 10 years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has over 10 years on job.
 Complete
0301082076 2.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 20 months reported on current mortgage with no late payments.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 10 years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has over 10 years on job.
 Complete
0301082076 (No Data) (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 20 months reported on current mortgage with no late payments.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 10 years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has over 10 years on job.
 Complete
0301082076 2.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 20 months reported on current mortgage with no late payments.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 10 years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has over 10 years on job.
 Complete
0150413610 (No Data) (No Data) Not Applicable CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off 1st trust, 2nd trust and XXX credit card with monthly payments as follows: $2369 + $213.99 + $609 = $3,191.99. Monthly savings of $951.79.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Subject property owned over 21 years.
 Complete
0150413610 (No Data) (No Data) Not Applicable CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off 1st trust, 2nd trust and XXX credit card with monthly payments as follows: $2369 + $213.99 + $609 = $3,191.99. Monthly savings of $951.79.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Subject property owned over 21 years.
 Complete
0150413610 (No Data) Numeric Not Applicable CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off 1st trust, 2nd trust and XXX credit card with monthly payments as follows: $2369 + $213.99 + $609 = $3,191.99. Monthly savings of $951.79.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Subject property owned over 21 years.
 Complete
0150413610 (No Data) Numeric Not Applicable CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off 1st trust, 2nd trust and XXX credit card with monthly payments as follows: $2369 + $213.99 + $609 = $3,191.99. Monthly savings of $951.79.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Subject property owned over 21 years.
 Complete
0150413610 (No Data) (No Data) Not Applicable CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off 1st trust, 2nd trust and XXX credit card with monthly payments as follows: $2369 + $213.99 + $609 = $3,191.99. Monthly savings of $951.79.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Subject property owned over 21 years.
 Complete
0914444373 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 8 years on job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $71,926.57 in total assets documented. Effective amount is $71,222.93, with liquid assets of $71,222.93. Cash required to close $66,333.02. Post close reserves are $4,889.91. Reserves required 0.Excess Post-closing reserves of $4,889.91

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has the following additional verified income not used to qualify: Bonus income: 2019 $3900, 2018 $5422.93, 2017 $4705.43.Overtime income: 2019 $9,444.57, 2018 $18,499.94, 2017 $8,202.55.
 Complete
0040688627 2.12.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $2443.63; Subject PITI is $1834.70.Monthly savings of $607.93.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 15 years on current job.
 Complete
0040688627 (No Data) (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $2443.63; Subject PITI is $1834.70.Monthly savings of $607.93.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 15 years on current job.
 Complete
0040688627 2.11.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $2443.63; Subject PITI is $1834.70.Monthly savings of $607.93.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 15 years on current job.
 Complete
0040688627 (No Data) (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $2443.63; Subject PITI is $1834.70.Monthly savings of $607.93.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 15 years on current job.
 Complete
0574812078       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 70.29% is 9.71 below the maximum of 80%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Property owned over 10 years.
 Complete
0633758396 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.32 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves.
 Complete
0633758396 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.32 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves.
 Complete
0633758396 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.32 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves.
 Complete
0633758396 3.25.20 - Exception remains.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.32 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves.
 Complete
0920623679 (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower 2 has over 20 years on job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $27,623.66 in total assets documented. Effective amount is $10,642.71, with liquid assets of $10,642.71. Cash required to close $0. Reserves required 0.Excess Post-closing reserves of $10,642.71 *Lender only used checking account  total assets include all 5 accounts on statement but not included in effective.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $1682; Subject PI is $1299.04.Savings of $382.96 per month.
 Complete
0388837049 2.12.21 - Exception satisfied.  Numeric Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $2019.34; Subject PITI is $1175.60.Monthly savings of $843.74.

CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off IRS installment, XXX and XXX credit and thereby reducing other monthly debt by $489 per month.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned property for over 11 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job over 13 years.
 Complete
0388837049 (No Data) (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $2019.34; Subject PITI is $1175.60.Monthly savings of $843.74.

CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off IRS installment, XXX and XXX credit and thereby reducing other monthly debt by $489 per month.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned property for over 11 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job over 13 years.
 Complete
0388837049 (No Data) (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $2019.34; Subject PITI is $1175.60.Monthly savings of $843.74.

CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off IRS installment, XXX and XXX credit and thereby reducing other monthly debt by $489 per month.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned property for over 11 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job over 13 years.
 Complete
0388837049 (No Data) (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $2019.34; Subject PITI is $1175.60.Monthly savings of $843.74.

CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off IRS installment, XXX and XXX credit and thereby reducing other monthly debt by $489 per month.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned property for over 11 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job over 13 years.
 Complete
0117687586 2.11.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off XXX at $567 per month and XXX of $343. Borrower is reducing total monthly debt by $689.85 based on new mortgage payment of $1865.15.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower's mortgage history reflects 27 months reported with no late payments.
 Complete
0117687586 2.12.21 - Exception satisfied.  Numeric Not Applicable CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off XXX at $567 per month and XXX of $343. Borrower is reducing total monthly debt by $689.85 based on new mortgage payment of $1865.15.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower's mortgage history reflects 27 months reported with no late payments.
 Complete
0117687586 2.8.21 - Exception satisfied.  Not Applicable Not Applicable CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off XXX at $567 per month and XXX of $343. Borrower is reducing total monthly debt by $689.85 based on new mortgage payment of $1865.15.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower's mortgage history reflects 27 months reported with no late payments.
 Complete
0117687586 2.11.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off XXX at $567 per month and XXX of $343. Borrower is reducing total monthly debt by $689.85 based on new mortgage payment of $1865.15.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower's mortgage history reflects 27 months reported with no late payments.
 Complete
0117687586 (No Data) (No Data) Not Applicable CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off XXX at $567 per month and XXX of $343. Borrower is reducing total monthly debt by $689.85 based on new mortgage payment of $1865.15.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower's mortgage history reflects 27 months reported with no late payments.
 Complete
0117687586 (No Data) (No Data) Not Applicable CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Paying off XXX at $567 per month and XXX of $343. Borrower is reducing total monthly debt by $689.85 based on new mortgage payment of $1865.15.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower's mortgage history reflects 27 months reported with no late payments.
 Complete
0269984181 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $188,928.15 in total assets documented. Effective amount is $18,950.31, with liquid assets of $18,950.31. Cash required to close $0. Cash back at closing $78,702.01. Reserves required $0.Excess post-closing reserves $18,950.31.*Total assets include XXX retirement account  not included in AUS evaluation.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 receives XXX of $1403.71 which is verified as direct deposit on bank statements and was not used to qualify.
 Complete
0269984181 2.11.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $188,928.15 in total assets documented. Effective amount is $18,950.31, with liquid assets of $18,950.31. Cash required to close $0. Cash back at closing $78,702.01. Reserves required $0.Excess post-closing reserves $18,950.31.*Total assets include XXX retirement account  not included in AUS evaluation.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 receives XXX of $1403.71 which is verified as direct deposit on bank statements and was not used to qualify.
 Complete
0269984181 2.11.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $188,928.15 in total assets documented. Effective amount is $18,950.31, with liquid assets of $18,950.31. Cash required to close $0. Cash back at closing $78,702.01. Reserves required $0.Excess post-closing reserves $18,950.31.*Total assets include XXX retirement account  not included in AUS evaluation.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 receives XXX of $1403.71 which is verified as direct deposit on bank statements and was not used to qualify.
 Complete
0269984181 2.11.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $188,928.15 in total assets documented. Effective amount is $18,950.31, with liquid assets of $18,950.31. Cash required to close $0. Cash back at closing $78,702.01. Reserves required $0.Excess post-closing reserves $18,950.31.*Total assets include XXX retirement account  not included in AUS evaluation.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 receives XXX of $1403.71 which is verified as direct deposit on bank statements and was not used to qualify.
 Complete
0529211534       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 35.71% is 44.29 below the maximum of 80%.

CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Previous mortgage payment $544.87 + other debts $2017.55 = $2,562.42.New mortgage payment $817.05 + other debts remaining $514.55 = $1331.60.Significant reduction in total monthly debt of $1,230.82.
 Complete
0288464659 (No Data) (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $1255.86; Subject PI is $879.92. Monthly savings of $375.94.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 46.34% is 33.66 below the maximum of 80%.
 Complete
0535167039 3.20.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 802 and required minimum is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $237,011.88 required reserves is $3302.63 x 12 = $39,631.56.
 Complete
0535167039 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 802 and required minimum is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $237,011.88 required reserves is $3302.63 x 12 = $39,631.56.
 Complete
0535167039 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 802 and required minimum is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $237,011.88 required reserves is $3302.63 x 12 = $39,631.56.
 Complete
0535167039 3.20.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 802 and required minimum is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $237,011.88 required reserves is $3302.63 x 12 = $39,631.56.
 Complete
0254022778 (No Data) (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 30 months reported on current mortgage with 0 x 30.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has 11 years in profession with increased earnings.
 Complete
0031844398 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $469,532.07 in total assets documented. Effective amount is $469,532.07, with liquid assets of $469,532.07. Cash required to close $439,085.55. Post close reserves are $30,446.52. Reserves required $0 + $1241 XXX Excess Post-closing reserves of $29,205.52.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 61.46% is 33.54 below the maximum of 95%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have an excellent mortgage payment history with 42 months reported and no late payments.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  63 months of 0x30 consumer credit history.
 Complete
0635080304 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history. 24 months required.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in the same line of profession for at least 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $47,160.47.  Reserves required $0.00 per AUS.
 Complete
0442548067 4.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 19 years in business.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  HLTV of 53.69% is 26.31 below the maximum of 80%.
 Complete
0442548067 4.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 19 years in business.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  HLTV of 53.69% is 26.31 below the maximum of 80%.
 Complete
0434110359 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  11 years in the profession

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.84% DTI; max per guides 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 781 exceeds guideline minimum score.
 Complete
0434110359 3.18.21 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  11 years in the profession

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.84% DTI; max per guides 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 781 exceeds guideline minimum score.
 Complete
0487228757       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $80,169.02 in total assets documented. Effective amount is $80,169.02, with liquid assets of $80,169.02. Cash required to close $0. Cash back at closing $1641.29. Post close reserves are $80,169.02. Reserves required $6622.32 + XXX $11376 = 17,998.32.Excess Post-closing reserves of $62,170.70.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  53.17% is 36.83 below the maximum of 90%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned current primary residence for over 28 years.
 Complete
0743212371 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $52,272.37 in total assets documented. Effective amount is $52,272.37, with liquid assets of $52,272.37. Cash required to close $0. Cash back to borrower $1,573.72. Post close reserves are $52,272.37. Reserves required $8747.16.Excess Post-closing reserves of $43,525.21.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 40.06% is 49.94 below the maximum of 90%.
 Complete
0258841540       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 17 years on job.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional verified income not used to qualify: BonusRep QT4: 2020 $15,707.75, 2019 $7,385.52, 2018 $11,445.36 and Bonus-Rep Qtr: 2019 $16,618.89, 2018 $10,087.23.
 Complete
0725186963 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $603,551.55 in total assets documented. Effective amount is $251,439.61, with liquid assets of $251,439.61. Cash required to close $169.97. Post close reserves are $251,269.64. Reserves required $0.Excess Post-closing reserves of $251,269.64.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 61.23% is 18.77 below the maximum of 80%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3837.13; Subject PI is $3251. Monthly savings of $586.13.
 Complete
0725186963 2.24.21 - Exception remains. 5.10.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $603,551.55 in total assets documented. Effective amount is $251,439.61, with liquid assets of $251,439.61. Cash required to close $169.97. Post close reserves are $251,269.64. Reserves required $0.Excess Post-closing reserves of $251,269.64.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 61.23% is 18.77 below the maximum of 80%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3837.13; Subject PI is $3251. Monthly savings of $586.13.
 Complete
0725186963 2.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $603,551.55 in total assets documented. Effective amount is $251,439.61, with liquid assets of $251,439.61. Cash required to close $169.97. Post close reserves are $251,269.64. Reserves required $0.Excess Post-closing reserves of $251,269.64.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 61.23% is 18.77 below the maximum of 80%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3837.13; Subject PI is $3251. Monthly savings of $586.13.
 Complete
0725186963 2.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $603,551.55 in total assets documented. Effective amount is $251,439.61, with liquid assets of $251,439.61. Cash required to close $169.97. Post close reserves are $251,269.64. Reserves required $0.Excess Post-closing reserves of $251,269.64.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 61.23% is 18.77 below the maximum of 80%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3837.13; Subject PI is $3251. Monthly savings of $586.13.
 Complete
0928030793 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $465,585.31 in total assets documented. Effective amount is $465,585.31, with liquid assets of $465,585.31. Cash required to close $400,721.67. Post close reserves are $64,863.64. Reserves required $0.Excess Post-closing reserves of $64,863.64.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 29 years on job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 20% is 75 below the maximum of 95%.
 Complete
0928030793 7.8.2021 - Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $465,585.31 in total assets documented. Effective amount is $465,585.31, with liquid assets of $465,585.31. Cash required to close $400,721.67. Post close reserves are $64,863.64. Reserves required $0.Excess Post-closing reserves of $64,863.64.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 29 years on job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 20% is 75 below the maximum of 95%.
 Complete
0928030793 7.6.21: lender provided updated docs in addition to prior; exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $465,585.31 in total assets documented. Effective amount is $465,585.31, with liquid assets of $465,585.31. Cash required to close $400,721.67. Post close reserves are $64,863.64. Reserves required $0.Excess Post-closing reserves of $64,863.64.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 29 years on job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 20% is 75 below the maximum of 95%.
 Complete
0178851134 6.29.2021 Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $291,769.66in total assets documented. Effective amount is $255,443.18, with liquid assets of $255,443.18. Cash required to close $141,996.82 (ctc $74,496.82 + $67500 EMD). Post close reserves are $113,446.36. Reserves required $0. Excess Post-closing reserves of $113,446.36.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 10 years on current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.
 Complete
0178851134 6.23.21: exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $291,769.66in total assets documented. Effective amount is $255,443.18, with liquid assets of $255,443.18. Cash required to close $141,996.82 (ctc $74,496.82 + $67500 EMD). Post close reserves are $113,446.36. Reserves required $0. Excess Post-closing reserves of $113,446.36.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 10 years on current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.
 Complete
0792873939 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $206,113.23 in total assets documented. Effective amount is $178,501.70, with liquid assets of $178,501.70. Cash required to close $76,893.30 (ctc + emd). Post close reserves are $101,608.40. Reserves required $0.Excess Post-closing reserves of $101,608.40. *Total assets include XXX savings and checking which was not included in AUS evaluation.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 15 years on job.
 Complete
0848010461       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  12.2% DTI is below guideline maximum of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  45.79 months reserves exceed guideline minimum of 18 months.
 Complete
0729797904       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 75.31 is below guideline maximum of 95.00.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in her profession for the past 16 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $44,660.68 in verified reserves.
 Complete
0494857682 4.26.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 34.38%, max DTI is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 qualifying score. Min required per guidelines is 620
 Complete
0494857682 4.26.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 34.38%, max DTI is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 qualifying score. Min required per guidelines is 620
 Complete
0959758176       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower have 11 years in the same profession

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI 33.54% is below guideline requirements
 Complete
0547209102       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  32.76 months of reserves in file.
 Complete
0120707620 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 exceeds guideline minimum score.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  7 years in the job

CFCFS2854: Significant time in profession
- Clayton Comments:  17 year in the profession
 Complete
0120707620 3.22.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 exceeds guideline minimum score.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  7 years in the job

CFCFS2854: Significant time in profession
- Clayton Comments:  17 year in the profession
 Complete
0120707620 3.22.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 exceeds guideline minimum score.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  7 years in the job

CFCFS2854: Significant time in profession
- Clayton Comments:  17 year in the profession
 Complete
0120707620 3.22.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 exceeds guideline minimum score.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  7 years in the job

CFCFS2854: Significant time in profession
- Clayton Comments:  17 year in the profession
 Complete
0796508911 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  744 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 40.50% below maximum allowed of 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 79.94% below maximum allowed of 95%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  36 months ($197,048.98) PITI reserves, no reserves required
 Complete
0022575858 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 732 exceeds guideline minimum score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves $20,224.08
 Complete
0022575858 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 732 exceeds guideline minimum score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves $20,224.08
 Complete
0715087597       CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has been in the same line of profession for 5years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 97%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI of 20.09 below guideline requirement.
 Complete
0480545617       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 60%  max allowed per guidelines is 95%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  772 qualifying score. Min required per guidelines is 620
 Complete
0431801517 3.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 56.90% is 38.10 below the maximum of 95%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680.
 Complete
0431801517 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 56.90% is 38.10 below the maximum of 95%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680.
 Complete
0431801517 3.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 56.90% is 38.10 below the maximum of 95%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680.
 Complete
0331919724       CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 and B2 have been living in current residence (subject property) for 15 years and 2 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 23 years history at current employment.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.
 Complete
0584294334 4.27.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.55%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $68,598.56.  Reserves required $0.00 per AUS.
 Complete
0980966817 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $632,148.57 in total assets documented. Effective amount is $632,148.57, with liquid assets of $632,148.57. Cash required to close $458,376.35 (ctc plus EMD not verified as clearing). Post close reserves are $173,772.22. Reserves required $0.Excess Post-closing reserves of $173,772.22.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.44% is 8.56 points below the maximum allowable DTI of 43%.
 Complete
0438943043 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 734 is 94 points above the minimum required score of 640 based on LTV below 75% with DTI less than 36%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.73% is 16.27 points below the maximum allowable DTI of 45% per FNMA with credit score above 680 and LTV below 75%.
 Complete
0438943043 3.23.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 734 is 94 points above the minimum required score of 640 based on LTV below 75% with DTI less than 36%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.73% is 16.27 points below the maximum allowable DTI of 45% per FNMA with credit score above 680 and LTV below 75%.
 Complete
0438943043 4.1.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 734 is 94 points above the minimum required score of 640 based on LTV below 75% with DTI less than 36%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.73% is 16.27 points below the maximum allowable DTI of 45% per FNMA with credit score above 680 and LTV below 75%.
 Complete
0933093587       CFCFS2854: Significant time in profession
- Clayton Comments:  35 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 727 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 32.81% is below guideline maximum DTI.
 Complete
0831279813 3.17.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $615,117.29 in total assets documented. Effective amount is $475,801.36, with liquid assets of $270,399.56. Cash required to close $96,101.24. Post close reserves are $379,700.12. Reserves required on subject property: $0.Excess Post-closing reserves of $379,700.12.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.65% is 24.35 points below the maximum allowable DTI of 43%.
 Complete
0173909637 3.29.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 47.65% is 47.35 below the maximum of 95%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX over 22 years.
 Complete
0173909637 3.29.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 47.65% is 47.35 below the maximum of 95%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX over 22 years.
 Complete
0695322307       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.26%  max allowed per guidelines is 95%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  752 qualifying score. Min required per guidelines is 620
 Complete
0077455091       CFCFS2860: Good credit history
- Clayton Comments:  Borrower's credit history reflect 0x30 mortgage payment history with no derogatory credit, public records, foreclosures or BK's.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower have 17 years in the same profession
 Complete
0375927908 3.17.21 - Exception remains. 3.22.21 - Exception remains.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $305,726.06 in total assets documented. Effective amount is $305,726.06, with liquid assets of $305,726.06. Cash required to close $201,949.06 (cash to close + EMD). Post close reserves are $103,777. Reserves required on subject property: $0.Excess Post-closing reserves of $103,777.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 27.48% is 15.52 points below the maximum allowable DTI of 43%.
 Complete
0009533626 3.23.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 812 exceeds guideline minimum score.

CFCFS2854: Significant time in profession
- Clayton Comments:  32 years in the profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  32 years in the current job
 Complete
0009533626 3.23.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 812 exceeds guideline minimum score.

CFCFS2854: Significant time in profession
- Clayton Comments:  32 years in the profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  32 years in the current job
 Complete
0392446292 (No Data) Numeric Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any derogatory or delinquency on his report.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been working at current job for 13years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 69.61% below maximum allowed of 97%
 Complete
0092760959 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  25 years in the current job

CFCFS2854: Significant time in profession
- Clayton Comments:  Borr1 has 25  years in the professionBorr2 has 20 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 799 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.66% is below guideline maximum DTI.
 Complete
0092760959 3.23.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  25 years in the current job

CFCFS2854: Significant time in profession
- Clayton Comments:  Borr1 has 25  years in the professionBorr2 has 20 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 799 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.66% is below guideline maximum DTI.
 Complete
0764629216       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 13 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 17.46% is below guideline requirement.
 Complete
0102177349       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3112.14; Subject PI is $2449.45. Monthly savings of $662.69.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 60% is 35 below the maximum of 95%.
 Complete
0508639361       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $2934.99; Subject PI is $2445.31. Monthly savings of $489.68.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 33.92% is 9.08 points below the maximum allowable DTI of 43%.
 Complete
0414295895 4.29.21 - Exception satisfied.  Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  722 qualifying score. Min required per guidelines is 620

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 5 years.
 Complete
0260835396 4.1.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  796 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  50 mo. 0x30 mortgage payment history.
 Complete
0186365678 6.22.2021 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $601,149.62 in total assets documented. Effective amount is $601,149.62, with liquid assets of $601,149.62. Cash required to close $216,391.77 (cash to close $216,391.77 + $10,000 unverified EMD). Post close reserves are $384,758.35. Reserves required $0. Excess Post-closing reserves of $384,758.35.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years in profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 74.62% is 20.38 below the maximum of 95%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has an excellent mortgage history with 25 months reported and no late payments.
 Complete
0186365678 6.11.21: exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $601,149.62 in total assets documented. Effective amount is $601,149.62, with liquid assets of $601,149.62. Cash required to close $216,391.77 (cash to close $216,391.77 + $10,000 unverified EMD). Post close reserves are $384,758.35. Reserves required $0. Excess Post-closing reserves of $384,758.35.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years in profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 74.62% is 20.38 below the maximum of 95%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has an excellent mortgage history with 25 months reported and no late payments.
 Complete
0492235807 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 78.29% is below the program maximum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 37.42% is below the program maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history; 24 months required.
 Complete
0123654606 (No Data) Numeric Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 69.06% below maximum allowed of 97%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 49.40% is below the guideline requirement.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  51 months of 0x30 consumer credit history
 Complete
0306494604       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $198,250.67 in total assets documented. Effective amount is $107,316.87, with liquid assets of $107,316.87. Cash required to close $93,592.33. Post close reserves are $13,724.54. Reserves required on subject property: $0.Excess Post-closing reserves of $13,724.54.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 7 years on job.
 Complete
0708006725 4.22.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been self- employed for 30 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 30.02 %; max allowed per guidelines is 97%.
 Complete
0066764686 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 credit score.  Minimum required is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 95%

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage payment history 0x30 84mos

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  35 months ($140,014.88) PITIA reserves, no reserves required

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0870641261       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in the same profession for 21 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 18.08% is below guideline requirement
 Complete
0952338784 4.27.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $53,185.04. Months reserves required $0.00 per AUS.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 22 years.
 Complete
0952338784 4.27.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $53,185.04. Months reserves required $0.00 per AUS.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 22 years.
 Complete
0728114734 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  790 mid-score used to qualify loan.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  15 months of reserves in file.
 Complete
0434531605 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  7 years in the Profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 760 exceeds guideline minimum score
 Complete
0686953526       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $228,291.90 in total assets documented. Effective amount is $228,291.90, with liquid assets of $228,291.90. Cash required to close $199,193.31 ($170,633.31 + $28560 EMD funded by gift). Post close reserves are $29,098.59. Reserves required on subject property: $0.Excess Post-closing reserves of $29,098.59.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.
 Complete
0241593406 4.29.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  762 qualifying score. Min required per guidelines is 620

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 41.87%  max allowed per guidelines is 95%.
 Complete
0224741345 4.1.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  768 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  100mo. 0x30 mortgage payment history.
 Complete
0659426002       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at the same residence for 25 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 30.11% is below guideline requirement
 Complete
0541581629       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history. 24 months required.

CFCFS2854: Significant time in profession
- Clayton Comments:  7 years in XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  13.46 months of reserves.
 Complete
0223085060       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 731 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.21% is below guideline maximum DTI.
 Complete
0282804636       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  754 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  18mo. 0x30 housing payment history.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  80% LTV; max for 2nd Home is 90%.
 Complete
0571738197       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 783 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 37.47% is below guideline maximum DTI.
 Complete
0651345487 (No Data) (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  90mo. 0x30 mortgage payment history.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been at the same job for 14 years.
 Complete
0856204471       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  53 months of 0x30 consumer credit history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 29 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 33 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 43.35 is below guideline maximum of 90.00.
 Complete
0067065325 4.7.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  770 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  84mo. 0x30 mortgage payment history.
 Complete
0067065325 4.7.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  770 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  84mo. 0x30 mortgage payment history.
 Complete
0086017308       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 and B2 has been living in current resident for 15 years 6 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been working at current job for 21 years and 5 months.
 Complete
0023974316 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any current derogatory or delinquency on his report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% below maximum allowed of 97%

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower does not have any mortgage delinquency reported.
 Complete
0886770136       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 - 40 years as a XXX.
 Complete
0566920875       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 35.76%, max DTI is 43%.
 Complete
0692547296       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 746 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.82% is below guideline maximum DTI.

CFCFS2854: Significant time in profession
- Clayton Comments:  31 years in the profession
 Complete
0739646999       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 14 years in the same profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower' credit score of 810 exceeds guidelines
 Complete
0892518122       CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  90mo. 0x30 mortgage payment history.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  59.43% LTV; max per guides 97%.
 Complete
0855990320       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 qualifying score. Min required per guidelines is 620
 Complete
0863097390 4.22.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.04%  max allowed per guidelines is 95%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  700 qualifying score. Min required per guidelines is 620.
 Complete
0456987251       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,352,051.16 in total assets documented. Effective amount is $1,063,643.40, with liquid assets of $1,063,643.40. Cash required to close $343,232.77. Post close reserves are $720,410.63. Reserves required $0.Excess Post-closing reserves of $720,410.63.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 6 years.
 Complete
0135162164 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 46.81% is 48.19 below the maximum of 95%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3473.37; Subject PI is $3107.13. Monthly savings of $366.24.
 Complete
0135162164 4.9.21 - Exception satisfied (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 46.81% is 48.19 below the maximum of 95%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3473.37; Subject PI is $3107.13. Monthly savings of $366.24.
 Complete
0366150419       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 97%

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been in the same line of profession for 15years.
 Complete
0423144110       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 23.39% below maximum allowed of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 credit score.  Minimum required is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 95%
 Complete
0927336176 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 760 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.58% is below guideline maximum DTI.
 Complete
0927336176 4.27.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 760 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.58% is below guideline maximum DTI.
 Complete
0763645713 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 16yrs in profession.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a good credit history of  244 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 80 exceeds guidelines.
 Complete
0112136396       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.30% is below guideline maximum DTI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 exceeds guideline minimum score.
 Complete
0643541381       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 25.64% is below guideline requirement

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been  at the same residence for 26 years
 Complete
0278002870 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 77.93% is 17.07 below the maximum of 95%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $2815.41; Subject PI is $2510.29. Monthly savings of $305.12.
 Complete
0401491488       CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has 16 years in the profession

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  7 years in the current job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 780 exceeds guideline minimum score.
 Complete
0760153847       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  22.30% DTI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 780 exceeds guideline minimum score.
 Complete
0101278171       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 55.67% is 39.33 below the maximum of 95%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned home since 2006.
 Complete
0596982956       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 12 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 22.52%, which is below guideline requirement
 Complete
0165457615 3.17.21 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 32.20% is below guideline requirement
 Complete
0694841605       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  782 qualifying score. Min required per guidelines is 620

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 15 years.
 Complete
0373837482 4.29.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $218,656 in total assets documented. Effective amount is $218,656, with liquid assets of 218,656. Cash required to close $188,614.69. Post close reserves are $30,041.31. Reserves required per DU $0. Excess Post-closing reserves of $30,041.31.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 14 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 27 years.
 Complete
0373837482 4.29.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $218,656 in total assets documented. Effective amount is $218,656, with liquid assets of 218,656. Cash required to close $188,614.69. Post close reserves are $30,041.31. Reserves required per DU $0. Excess Post-closing reserves of $30,041.31.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 14 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 27 years.
 Complete
0483350993       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 40.63%  max allowed per guidelines is 95%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  804 qualifying score. Min required per guidelines is 620
 Complete
0513986387 (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current address for the past 5 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in current profession for 12 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $124,801.02 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history
 Complete
0201987277       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history; 24 months required.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a good credit history with no derogatory or delinquency.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 43.13% below maximum allowed of 97%
 Complete
0266065367       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 792 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 40.41% is below guideline maximum DTI.
 Complete
0438958127       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  36 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years history in chosen field of XXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 738 exceeds the program minimum of 700 by 38 points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 43.85% is below the program maximum.
 Complete
0240655264 (No Data) Numeric Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 Additional income: Bonus 2021 $78,000, 2020 $77,500, 2019 $69,000; XXX Stock Unit 2021 $21,882.15, 2020 $177,468.11, 2019 $212,841.32. Not used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $120,831.84 in total assets documented. Effective amount is $120,831.84, with liquid assets of 120,831.84. Cash required to close $86,215.86. Post close reserves are $34,616.04. Reserves required $0.Excess Post-closing reserves of $34,616.04.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 13 years on current job.
 Complete
0287587008 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 15 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been at current job for the past 7 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $31,219.95 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0290835161       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 15 years in the same profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  borrower DTI of 36.22% is below guideline requirement.
 Complete
0772599191 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.23% is below guideline requirement

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years
 Complete
0192673727 4.22.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  53 mo. 0x30 mortgage payment history.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  63.20% LTV; max per guides 97%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  773 qual score.
 Complete
0990009519       CFCFS2854: Significant time in profession
- Clayton Comments:  25 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 exceeds guideline minimum score.
 Complete
0151784710       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.32% is below guideline requirement

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower(1) has been in the same profession for 20 years
 Complete
0479467036       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 14 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 785 exceeds guidelines
 Complete
0806382502       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 30 years in the profession Co-Borrower has 37 years in the profession

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  37 years in the current job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 726 exceeds guideline minimum score.
 Complete
0259026149       CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 and B2 have been at the same address for 19 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has been in the same profession for 39 years.
 Complete
0183049945       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $9117.67 in total assets documented. Effective amount is $9117.67, with liquid assets of $9117.67. Cash required to close $0. Cash back $1723.04. Post close reserves are $9117.67. Reserves required on subject property: $0.Excess Post-closing reserves of $9117.67.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3551.97; Subject PI is $2597.23. Monthly savings of $954.74.
 Complete
0366875787       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  727 qualifying score. Min required per guidelines is 620

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 47.14%; max allowed per guidelines is 95%.
 Complete
0843143985       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 exceeds guideline minimum score.
 Complete
0885457732 3.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $363,408.26 in total assets documented. Effective amount is $299,416.58, with liquid assets of $299,416.58. Cash required to close $239,206.98 (cash to close + EMD not verified). Post close reserves are $60,209.60. Reserves required on subject property: $0.Excess Post-closing reserves of $60,209.60.*Total assets include four additional accounts that lender fully verified but did not use in AUS evaluation.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 5 below the maximum of 85%.
 Complete
0885457732 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $363,408.26 in total assets documented. Effective amount is $299,416.58, with liquid assets of $299,416.58. Cash required to close $239,206.98 (cash to close + EMD not verified). Post close reserves are $60,209.60. Reserves required on subject property: $0.Excess Post-closing reserves of $60,209.60.*Total assets include four additional accounts that lender fully verified but did not use in AUS evaluation.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 5 below the maximum of 85%.
 Complete
0885457732 3.24.21 - Exception satisfied.   (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $363,408.26 in total assets documented. Effective amount is $299,416.58, with liquid assets of $299,416.58. Cash required to close $239,206.98 (cash to close + EMD not verified). Post close reserves are $60,209.60. Reserves required on subject property: $0.Excess Post-closing reserves of $60,209.60.*Total assets include four additional accounts that lender fully verified but did not use in AUS evaluation.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 5 below the maximum of 85%.
 Complete
0885457732 3.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $363,408.26 in total assets documented. Effective amount is $299,416.58, with liquid assets of $299,416.58. Cash required to close $239,206.98 (cash to close + EMD not verified). Post close reserves are $60,209.60. Reserves required on subject property: $0.Excess Post-closing reserves of $60,209.60.*Total assets include four additional accounts that lender fully verified but did not use in AUS evaluation.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 5 below the maximum of 85%.
 Complete
0292092984       CFCFS2854: Significant time in profession
- Clayton Comments:  13 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 736 exceeds guideline minimum score.
 Complete
0342886936       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  749 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  45mo. 0x30 mortgage payment history.
 Complete
0974734103       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.86% is below guideline requirement

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has  been in the same profession for 18 years.
 Complete
0679182838       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of profession for 10years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any derogatory or delinquency on his report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 97%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0575299486       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has been in the same profession for 25 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 11.80% is below guideline requirement
 Complete
0427419014       CFCFS2854: Significant time in profession
- Clayton Comments:  20 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 807 exceeds guideline minimum score.
 Complete
0217597786       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  30 years in the current job

CFCFS2854: Significant time in profession
- Clayton Comments:  45 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 789 exceeds guideline minimum score.
 Complete
0618695614       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $179,540.29 in total assets documented. Effective amount is $179,540.29, with liquid assets of $179,540.29. Cash required to close $175,361.75. Post close reserves are $4,178.34. Reserves required on subject property: $0.Excess Post-closing reserves of $4,178.34.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Additional income verified by current employer not used to qualify: Bonus income 2020 $10,408.33, 2019 $34,948.22.
 Complete
0091498416 (No Data) (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $2,806.12; Subject PI is $2,308.05. Monthly savings of $498.07.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 is currently receiving a bi-weekly severance of $3900 which was verified by paystubs and was not used to qualify.
 Complete
0598696324 3.23.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $116,672.13 in total assets documented. Effective amount is $116,672.13, with liquid assets of $116,672.13. Cash required to close $50,004.93. Post close reserves are $66,667.20. Reserves required on subject property: $0.Excess Post-closing reserves of $66,667.20.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3,278.03; Subject PI is $2,629.08. Monthly savings of $648.95.
 Complete
0716764292       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  6 years on the current job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 726 exceeds guideline minimum score.
 Complete
0841151241       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 71.81%  max allowed per guidelines is 95%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  775 qualifying score. Min required per guidelines is 620.
 Complete
0268319640       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 16 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 767 exceeds guideline minimum score.
 Complete
0335190030 (No Data) Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  22 years in the current job

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  6 years in the current job

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower and Co-Borrower has 21 years in the profession respectively

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 738 exceeds guideline minimum score.
 Complete
0841446794       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $60,919.79 in total assets documented. Effective amount is $60,919.79, with liquid assets of $60,919.79. Cash required to close $3780.45. Post close reserves are $57,139.34. Reserves required $0. Excess Post-closing reserves of $57,139.34.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 39.46% is 55.54 below the maximum of 95%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned property for over 14 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 24 years in profession.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3380.74; Subject PI is $2837.17. Monthly savings of $543.57.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  79 months of 0x30 consumer history.
 Complete
0542359005 4.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 49.07% is 45.93 below the maximum of 95%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3385.71; Subject PI is $2896.42. Monthly savings of $489.29.
 Complete
0656852916       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of profession for 17years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any current derogatory or delinquency on her report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 71.64% below maximum allowed of 97%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0341856517       CFCFS2854: Significant time in profession
- Clayton Comments:  13 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 787 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.65% is below guideline maximum DTI.
 Complete
0505493829       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 10.96% is below guideline maximum DTI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 766 exceeds guideline minimum score.

CFCFS2854: Significant time in profession
- Clayton Comments:  26 years in the profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  14 years in the current job
 Complete
0651046526 5/27/21 - Exception cleared.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash Reserves $53,158.64.  Reserves required $0.00 per AUS.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX with the same business for 25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.
 Complete
0651046526 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash Reserves $53,158.64.  Reserves required $0.00 per AUS.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX with the same business for 25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.
 Complete
0651046526 5/27/21 - Exception cleared.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash Reserves $53,158.64.  Reserves required $0.00 per AUS.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX with the same business for 25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.
 Complete
0193666342       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  90 mo. 0x30 mortgage payment history.
 Complete
0474685692 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $267,742.10 in total assets documented. Effective amount is $212,019.43, with liquid assets of $212,019.43. Cash required to close $171,289.86. Post close reserves are $40,726.57. Reserves required on subject property: $0.Excess Post-closing reserves of $40,726.57. *Total assets include 2 verified XXX accounts and a XXX brokerage account not included in AUS evaluation.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.
 Complete
0566165254       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3054.08; Subject PI is $2789.56. Monthly savings of $264.52.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 53.48% is 41.52 below the maximum of 95%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned property for over 15 years.
 Complete
0875777529 6.22.2021 Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.58% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 66.54% is below the program maximum.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 10 years and B2 (PWE) has 12 years history in line of work.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 781 exceeds the program minimum of 640 by 141 points.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0963551260 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 9 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 80.00 is below guideline maximum of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $723,814.57 in reserves.
 Complete
0868378588       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  29 years in the current job

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 29 years in the professionCo-Borrower has 24 years in the profession.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  14 years in the current job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 790 exceeds guideline minimum score.
 Complete
0455541062       CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a 805 score with no derogatory marks or lates.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has perfect mortgage history
 Complete
0327618950       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 36.65%; max allowed per guidelines is 95%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  763 qualifying score. Min required per guidelines is 620
 Complete
0113452836 6/14/21 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of profession for 21years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any recent derogatory or delinquency on his report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 48.87% below maximum allowed of 97%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0113452836 6/14/21 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of profession for 21years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any recent derogatory or delinquency on his report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 48.87% below maximum allowed of 97%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0288709677       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 qualifying score. Min required per guidelines is 620

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 79.74%; max allowed per guidelines is 95%.
 Complete
0865782369       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  80mo. 0x30 mortgage payment history.
 Complete
0404134359       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 694 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 41.95% is below guideline maximum DTI.
 Complete
0962804784       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 42.39% is 52.61 below the maximum of 95%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $4412.71; Subject PI is $3357.28. Monthly savings of $1055.43.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $140,762.39 in total assets documented. Effective amount is $ 140,762.39, with liquid assets of $140,762.39. Cash required to close $27,298.89. Post close reserves are $113,463.50. Reserves required on subject property: $0.Excess Post-closing reserves of $113,463.50.
 Complete
0079318135 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  80mo. 0x30 mortgage payment history.
 Complete
0983175972       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  7 years in the current job

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower and Co-Borrower has 7 and 6 years in the profession respectively

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 763 exceeds guideline minimum score.
 Complete
0035437953 4.26.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  66 mo. 0x30 mortgage payment history.
 Complete
0696273935       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  80 mo. 0x30 mortgage payment history.
 Complete
0387025659       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 38.07% is below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower representative score of 794 exceeds guidelines
 Complete
0085573557 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  89 months of consumer credit history

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers does not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 71.88% below maximum allowed of 97%
 Complete
0132271333       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 787 exceeds guideline minimum score.
 Complete
0667166049 4.26.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  90 mo. 0x30 mortgage payment history.
 Complete
0248271897       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 742 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 40.55% is below guideline maximum DTI.
 Complete
0497950080 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been in the same line of profession for 35years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 and B2 has been living in current resident for 30years and 6month.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 21.66% below maximum allowed of 95%
 Complete
0214265832       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  54 mo. 0x30 mortgage payment history.
 Complete
0601450214       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 13 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 25 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been employed at her current job for the past 22 years.
 Complete
0796396968       CFCFS2854: Significant time in profession
- Clayton Comments:  10 years in the profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  6 years on the current job
 Complete
0983446610       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  785 qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 30.74%, max DTI is 43%.
 Complete
0453152650       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  8 years in the current job

CFCFS2854: Significant time in profession
- Clayton Comments:  8 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 761 exceeds guideline minimum score.
 Complete
0782980550 (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 12 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  812 qualifying score. Min required per guidelines is 620
 Complete
0885032059       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  90mo. 0x30 mortgage payment history.
 Complete
0534199108       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of consumer credit; 24 months required.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers does not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 49.87% below maximum allowed of 95%
 Complete
0382954381       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23.97% is below guideline maximum DTI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 728 exceeds guideline minimum score.
 Complete
0323389128 6/17/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,148,750.17 in total assets documented. Effective amount is $958,181.94, with liquid assets of $958,181.94. Cash required to close $460,593.52. Post close reserves are $497,588.42. Reserves required $8273.90 + $2196 XXX. Excess Post-closing reserves of $487,118.52.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 20 years on current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower 2 has over 26 years on current job.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned primary residence for over 8 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0323389128 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,148,750.17 in total assets documented. Effective amount is $958,181.94, with liquid assets of $958,181.94. Cash required to close $460,593.52. Post close reserves are $497,588.42. Reserves required $8273.90 + $2196 XXX. Excess Post-closing reserves of $487,118.52.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 20 years on current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower 2 has over 26 years on current job.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned primary residence for over 8 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0323389128 6/17/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,148,750.17 in total assets documented. Effective amount is $958,181.94, with liquid assets of $958,181.94. Cash required to close $460,593.52. Post close reserves are $497,588.42. Reserves required $8273.90 + $2196 XXX. Excess Post-closing reserves of $487,118.52.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 20 years on current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower 2 has over 26 years on current job.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned primary residence for over 8 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0597135825       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 5 years and 8 months history at current employment.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 17 years and 9 months history at current address.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23.06% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 35.58% is below the program maximum.
 Complete
0692310676 6.23.2021 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $676,160.70 in total assets documented. Effective amount is $676,160.70, with liquid assets of $676,160.70. Cash required to close $149,360.02. Post close reserves are $526,800.68. Reserves required $0. Excess Post-closing reserves of $526,800.68.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 is also XXX filing a schedule C which reflected a net profit of $53,028 in 2019 and $29,420 in 2018. 2020 P & L net profit of $67,870. Income was not used to qualify.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $4700.63; Subject PI is $3355.75. Monthly savings of $1344.88.
 Complete
0946683002       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history. 24 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 51.38%; Max LTV 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.20%; Max DTI 50%.
 Complete
0947363328       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 781 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 37.80% is below guideline maximum DTI.
 Complete
0720293751       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at his job for the past 10 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 9 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 40.94 is below guideline requirements.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.
 Complete
0580930177       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 785 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 33.65% is below guideline maximum DTI
 Complete
0990678797       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 758 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.90% is below guideline maximum DTI.
 Complete
0092627160       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 46.56%; Max LTV 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 40.72%; Max DTI 50%.
 Complete
0194737464       CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a good credit history of 258 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 785 exceeds guidelines.
 Complete
0990770708       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at his job for the past 11 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 8 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 50.40 is below the guideline requirements.
 Complete
0887849704       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  767 qualifying score. Min required per guidelines is 620

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61.65%; max allowed per guidelines is 95%.
 Complete
0593674569       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  739 qualifying score. Min required per guidelines is 620

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 77.36 %; max allowed per guidelines is 95%.
 Complete
0736843805 6/14/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 46 years and 4 months history at current job.

CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 and B2 has 15 years and 1 month history at current residence.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 45.07% is below the program maximum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 27.47% is below the program maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0237796404       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 56.79% below maximum allowed of 97%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI of 23.84% below guideline requirement.
 Complete
0788594687       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $4,148.92; Subject PI is $2,653.57. Monthly savings of $1,495.35.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $593,849.11 in total assets documented. Effective amount is $593,849.11, with liquid assets of $593,849.11. Cash required to close $362,730.54. Post close reserves are $231,118.57. Reserves required on subject property: $0.Excess Post-closing reserves of $231,118.57.
 Complete
0390523757 4.26.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  751 qual score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.03% DTI.
 Complete
0447013076       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  712 mid-score per CBR

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 - 22 years as a XXX
 Complete
0283957997       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  770 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  39 mo. 0x30 mortgage payment history.
 Complete
0662884156 4.7.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $294,767.50 in total assets documented. Effective amount is $256,592.45, with liquid assets of $256,592.45. Cash required to close $168,142.02 (ctc $148,142.02 + $20k EMD not verified). Post close reserves are $88,450.43. LP Reserves required: $5,130.Excess Post-closing reserves of $83,320.43.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 10 below the maximum of 90%.
 Complete
0662884156 4.7.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $294,767.50 in total assets documented. Effective amount is $256,592.45, with liquid assets of $256,592.45. Cash required to close $168,142.02 (ctc $148,142.02 + $20k EMD not verified). Post close reserves are $88,450.43. LP Reserves required: $5,130.Excess Post-closing reserves of $83,320.43.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 10 below the maximum of 90%.
 Complete
0662884156 4.7.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $294,767.50 in total assets documented. Effective amount is $256,592.45, with liquid assets of $256,592.45. Cash required to close $168,142.02 (ctc $148,142.02 + $20k EMD not verified). Post close reserves are $88,450.43. LP Reserves required: $5,130.Excess Post-closing reserves of $83,320.43.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 10 below the maximum of 90%.
 Complete
0303775186       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  776 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  65 mo. 0x30 mortgage payment history.
 Complete
0005756333       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 806 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.74% is below guideline maximum DTI.
 Complete
0913265996       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been living at subject property for 18 years and 11 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years and 2 months history in field of employment.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.38% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 68.52% is below the program maximum.
 Complete
0664399341 4.26.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  725 qualifying score. Min required per guidelines is 620
 Complete
0504170771 4.22.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  747 qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 16.07%, max DTI is 43%.
 Complete
0682954143 4.22.21 - Exception remains. 8.2.21: exception remains, Valid - Amount Financed Exceed Loan Amount. System picking up correct Per Diem. 8.4.21: call with client reconfirming stance; if cured, would need new ROR along with either 1) a new CD and LOX  or 2) a very detailed lox (something like on Page 5 of your CD in the Loan Calculations section your Amount Financed should have read $X, which is the same amount as your Loan Amount.  None of your other disclosures have changed 8.11.21: material exception remains - waived status applied  Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  788 qualifying score. Min required per guidelines is 620

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 50.41%; max allowed per guidelines is 95%.
 Complete
0661322926       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  712  qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 29.57%, max DTI is 43%.
 Complete
0470927375 3.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 15 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23.99% is below guideline rquirement
 Complete
0749475657 (No Data) (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit per CBR

CFCFS1736: Significant time at current residence
- Clayton Comments:  8.2 years residing at subject property.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  33 months of 0x30 consumer history.
 Complete
0455776015       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his current profession for the past 35 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score 785 exceeds guidelines.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 41.19 is below guideline requirements.
 Complete
0122146500       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 20 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 30 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 31.96 below guideline maximum of 95.00.
 Complete
0036952216       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 806 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.39% is below guideline maximum DTI.
 Complete
0592279723       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 qualifying score. Min required per guidelines is 620
 Complete
0784386926       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 12 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in his current profession for the past 25 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require 18 months of reserves $80,963.82 borrower has 81.96 months of PITIA reserves of $368,658.67.
 Complete
0740142994       CFCFS2854: Significant time in profession
- Clayton Comments:  35 years in the profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  11 years on the current job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 733 exceeds guideline minimum score.
 Complete
0349678562 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 5 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 22 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $9,148.63 in reserves.
 Complete
0349678562  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 5 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 22 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $9,148.63 in reserves.
 Complete
0378720700       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  727  qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 28.42%, max DTI is 43%.
 Complete
0334642995 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 7 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 23 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 73.47 is below guideline maximum of 95.00.
 Complete
0334642995  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 7 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 23 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 73.47 is below guideline maximum of 95.00.
 Complete
0948423094       CFCFS2854: Significant time in profession
- Clayton Comments:  38 years in XXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 mid-score per CBR in file.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.
 Complete
0664624431       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 15 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in current profession for the past 16 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $257,560.55 in cash reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0156283656 6/12/21 - Exception satisfied.  Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59.37 is below the guideline maximum of 95.00.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0156283656 7.20.21: Exception satisfied Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59.37 is below the guideline maximum of 95.00.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0156283656  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59.37 is below the guideline maximum of 95.00.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0886849390       CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a good credit history of 351 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  764 credit score.  Minimum required is 680.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for more than 12yrs.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 30yrs.
 Complete
0007593767 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 16 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been employed at her current job for the past 6 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $178,859.85 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0536707588 4.13.21 - Exception satisfied.  Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 726 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 41.18% is below guideline maximum DTI.
 Complete
0555288092       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed for 24 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  709 qualifying score. Min required per guidelines is 620.
 Complete
0336044230       CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  21 years in the current Job

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has 21 years in the current profession
 Complete
0502237713       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 16 years in the profession Co-Borrower has 11 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 705 exceeds guideline minimum score.
 Complete
0969770814 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 5 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 19 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 66.49 is below guideline maximum of 95.00.
 Complete
0969770814  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 5 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 19 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 66.49 is below guideline maximum of 95.00.
 Complete
0028520480 4.29.21 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 19 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been at her current job for the past 8 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no cash reserves, borrower has 5.68 months of PITIA reserves.
 Complete
0028520480 4.29.21 - Exception satisfied.  Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 19 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been at her current job for the past 8 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no cash reserves, borrower has 5.68 months of PITIA reserves.
 Complete
0713936149       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  722  qualifying score. Min required per guidelines is 620

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 43.73%; max allowed per guidelines is 95%.
 Complete
0665727052       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been working at current job for 20 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers does not have any derogatory or delinquency on their report.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.62% back-end DTI.
 Complete
0626862553       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been working at current job for 12 years 8 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.38% below maximum allowed of 97%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0560255705       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $2,603.36; Subject PI is $2,311.46. Monthly savings of $291.90.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 38.04% is 56.96 below the maximum of 95%.
 Complete
0516344203       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 15 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for the past 7 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 52.53 is below guideline requirements.
 Complete
0684034982 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 97%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  61 months of 0x30 consumer credit history; 24 months required.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers does not have any derogatory or delinquency on their report.
 Complete
0996226652       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in the current professionCo-Borrower has 10 years in the current profession

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  11 years in the current job

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 21.42% is below guideline maximum DTI.
 Complete
0934292628       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 70% is 25 below the maximum of 95%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $607,036.18 in total assets documented. Effective amount is $535,197.20, with liquid assets of $535,197.20. Cash required to close $319,028.11 (Cash to close $289,028.11 + $30,000 EMD not verified as clear). Post close reserves are $216,169.09. Reserves required on subject property: $0.Excess Post-closing reserves of $216,169.09.
 Complete
0611082134       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $222,218.44 in total assets documented. Effective amount is $14,501.42, with liquid assets of $14,501.42. Cash required to close $0. Cash back at closing $316.04. Post close reserves are $14,501.42. Reserves required per DU $0. Excess Post-closing reserves of $14,501.42. *Total assets include verified accounts that were not used for AUS evaluation.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 15 years on current job.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $4013.22; Subject PI is $3335.34. Monthly savings of $677.88.
 Complete
0035154673 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 11 years and 5 months history at current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 812 exceeds the program minimum of 720 by 92 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower is a conservative credit user with a history of paying debts on time.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0782040384       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 792 exceeds guideline minimum score.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  7 years in the current job
 Complete
0897083452 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  53 months of 0x30 consumer credit history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 30 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at his current job for the past 7 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 68.26 is below guideline maximum of 95.00.
 Complete
0395376097       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3,246.43; Subject PI is $2,694.05. Monthly savings of $552.38.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $31,673.51 in total assets documented. Effective amount is $27,166.59, with liquid assets of $27,166.59. Cash required to close $0. Cash back to borrowers $155.07. Post close reserves are $27,166.59. Reserves required on subject property: $0.Excess Post-closing reserves of $27,166.59. *Total assets include a verified account not used in AUS evaluation.
 Complete
0948623960 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history; 24 months required.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at his current job for the pat 10 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 63.24 is below guideline maximum of 95.00.
 Complete
0948623960 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history; 24 months required.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at his current job for the pat 10 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 63.24 is below guideline maximum of 95.00.
 Complete
0901736134       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3209.62; Subject PI is $2808.01. Monthly savings of $401.61.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $20,098.77 in total assets documented. Effective amount is $20,098.77, with liquid assets of $20,098.77. Cash required to close $0. Cash back $1281.61. Post close reserves are $20,098.77. Reserves required $0.         Excess Post-closing reserves of $20,098.77.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 10 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned current residence for over 7 years.
 Complete
0179158462       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 709 exceeds guideline minimum score.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 15 years in the professionCo-Borrower has 20 years in the profession
 Complete
0569309746 6/14/21 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 (PWE) has 25 years history in line of work.

CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 and B2 have been living at current residence (Subject Property) for 27 years and 2 months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.63% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 31.85% is below the program maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 792 exceeds the program minimum of 640 by 152 points.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0833414567 4.29.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PITIA is $4851.25; Subject PITI is $4679.55. Monthly savings of $171.70.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 20 years on current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $248,827.03 in total assets documented. Effective amount is $248,827.03, with liquid assets of $248,827.03. Cash required to close $23,041.34. Post close reserves are $225,785.69. Reserves required per DU $0.Excess Post-closing reserves of $225,785.69.
 Complete
0833414567 (No Data) (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PITIA is $4851.25; Subject PITI is $4679.55. Monthly savings of $171.70.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 20 years on current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $248,827.03 in total assets documented. Effective amount is $248,827.03, with liquid assets of $248,827.03. Cash required to close $23,041.34. Post close reserves are $225,785.69. Reserves required per DU $0.Excess Post-closing reserves of $225,785.69.
 Complete
0833414567 4.29.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PITIA is $4851.25; Subject PITI is $4679.55. Monthly savings of $171.70.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 20 years on current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $248,827.03 in total assets documented. Effective amount is $248,827.03, with liquid assets of $248,827.03. Cash required to close $23,041.34. Post close reserves are $225,785.69. Reserves required per DU $0.Excess Post-closing reserves of $225,785.69.
 Complete
0232836652 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $414,059.45 in total assets documented. Effective amount is $414,059.45, with liquid assets of $414,059.45. Cash required to close $391,603.82. Post close reserves are $22,455.63. Reserves required per DU $0.Excess Post-closing reserves of $22,455.63.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Notice from employer in file regarding upcoming promotion/raise effective 3-1-21 to $10,110.03 plus a bonus and RSU eligibility.
 Complete
0232836652 5.3.21 - Exception satisfied Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $414,059.45 in total assets documented. Effective amount is $414,059.45, with liquid assets of $414,059.45. Cash required to close $391,603.82. Post close reserves are $22,455.63. Reserves required per DU $0.Excess Post-closing reserves of $22,455.63.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Notice from employer in file regarding upcoming promotion/raise effective 3-1-21 to $10,110.03 plus a bonus and RSU eligibility.
 Complete
0883248173       CFCFS2854: Significant time in profession
- Clayton Comments:  39 years in the profession

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  39 years in the current Job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 750 exceeds guideline minimum score.
 Complete
0546628107 7.20.21: Exception satisfied Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 25 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $20,010.06 in reserves.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 69.58 is below maximum guideline of 95.00.
 Complete
0546628107  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 25 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $20,010.06 in reserves.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 69.58 is below maximum guideline of 95.00.
 Complete
0377987801       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 802 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 38.41% is below guideline maximum DTI.
 Complete
0668038073       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 747 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.65% is below guideline maximum DTI.
 Complete
0377520393 5.5.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 748 exceeds minimum guidelines of 680

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers has a good credit history for 118 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 26 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV (52.58%) is below the maximum limit of 90%
 Complete
0377520393 5.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 748 exceeds minimum guidelines of 680

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers has a good credit history for 118 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 26 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV (52.58%) is below the maximum limit of 90%
 Complete
0968373219       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV IS 42.94%  max allowed per guidelines is 95%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  712 qualifying score. Min required per guidelines is 620
 Complete
0177969415       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3056.54; Subject PI is $2360.74. Monthly savings of $695.80.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned property for over 7 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 47.42% is 47.58 below the maximum of 95%.
 Complete
0348853655 6/14/21 - Exception remains6.18.21: exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $485,492.75 in total assets documented. Effective amount is $ 485,492.75, with liquid assets of $485,492.75. Cash required to close $0. Cash back at closing $728.27. Post close reserves are $485,492.75. Reserves required $0. Excess Post-closing reserves of $485,492.75.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has verified Bonus income: 2020 $43,620. Not used to qualify. B2 is employed  Income verified at $9191.71 per month - not used to qualify.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  HLTV of 33.33% is 61.67 below the maximum of 95%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have an excellent mortgage history with 66 months reported with no late payments.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3392.55; Subject PI is $2613.95. Monthly savings of $778.60.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  92 months of 0x30 consumerr credit history.
 Complete
0348853655 6/14/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $485,492.75 in total assets documented. Effective amount is $ 485,492.75, with liquid assets of $485,492.75. Cash required to close $0. Cash back at closing $728.27. Post close reserves are $485,492.75. Reserves required $0. Excess Post-closing reserves of $485,492.75.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has verified Bonus income: 2020 $43,620. Not used to qualify. B2 is employed  Income verified at $9191.71 per month - not used to qualify.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  HLTV of 33.33% is 61.67 below the maximum of 95%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have an excellent mortgage history with 66 months reported with no late payments.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3392.55; Subject PI is $2613.95. Monthly savings of $778.60.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  92 months of 0x30 consumerr credit history.
 Complete
0634488923       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 7.5 years on current job and 15 years in the field.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 29.96% well below FANNIE Maximum of 45%.
 Complete
0285694503 6.23.2021 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 26 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 41 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $175,690.96 in reserves.
 Complete
0359710299       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  761 qualifying score. Min required per guidelines is 620

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been  employed for 23 years.
 Complete
0646121308 5.3.21 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 15 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.20 is below guideline requirement.
 Complete
0581204645       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 22.41% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 62.61% is below the program maximum.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 and B2 have 10 years history in line of work.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 789 exceeds the program minimum of 620 by 169 points.
 Complete
0775911495 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.76%, Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $73,948.99.  Reserves required $0.00 per AUS.
 Complete
0501686365 (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 80.00 is below guideline maximum of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $13,229.63 in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 41.46 is below guideline maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  86 months of 0x30 consumer history.
 Complete
0501686365 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 80.00 is below guideline maximum of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $13,229.63 in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 41.46 is below guideline maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  86 months of 0x30 consumer history.
 Complete
0501686365  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 80.00 is below guideline maximum of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $13,229.63 in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 41.46 is below guideline maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  86 months of 0x30 consumer history.
 Complete
0759699741       CFCFS2854: Significant time in profession
- Clayton Comments:  13 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 789 exceeds guideline minimum score.
 Complete
0626768246       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 28 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  745 qualifying score. Min required per guidelines is 620
 Complete
0347773002 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 10yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  762 credit score.  Minimum required is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.40% below maximum allowed of 95%
 Complete
0239384393       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  30 years in the current job

CFCFS2854: Significant time in profession
- Clayton Comments:  30 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 787 exceeds guideline minimum score.
 Complete
0003629358       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 (PWE) has 13 years and 8 months history at current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 63.09 is below the program maximum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 42.15% is below the program maximum.
 Complete
0119337516 4.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  804 qual score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  16.69% DTI.
 Complete
0277452615       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $577,960.67 in total assets documented. Effective amount is $361,084.43, with liquid assets of $361,084.43. Cash required to close $107,401.33. Post close reserves are $253,683.10. Reserves required on subject property: $0.Excess Post-closing reserves of $253,683.10.*Total assets include verified assets that were not included in AUS evaluation.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 has additional verified bonus income not used to qualify: 2020 $59,822.12, 2019 $51,572.12, 2018 $44,630.22.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3,542.83; Subject PI is $2,459.26. Monthly savings of $1,083.57.
 Complete
0315840808 4.26.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  798 qualifying score. Min required per guidelines is 620

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 17 years.
 Complete
0188679393 6.23.2021 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  67 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  B-1 has been in the same line of profession for 25years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 71.16% below maximum allowed of 97%
 Complete
0188679393 6/17/21 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  67 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  B-1 has been in the same line of profession for 25years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 71.16% below maximum allowed of 97%
 Complete
0354258234 5/28/21: exception satisfied (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 42.79%; Max LTV 80%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrower has been at the current residence for 15 years.
 Complete
0354258234 5/28/21: exception satisfied (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 42.79%; Max LTV 80%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrower has been at the current residence for 15 years.
 Complete
0001916532       CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 is employed, however income not used to qualify.  WVOE reflects total income for 2020 $307,419.04, 2019 $310,648.18 and 2018 $325,720.40.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  48.71% is 46.29 below the maximum of 95%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned property for over 7 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 14.06% is 28.94 points below the maximum allowable DTI of 43%.
 Complete
0702755816 08/11/2021 Exception Satisfied.    Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 20 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 72.50 is below guideline maximum of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $66,735.86 in reserves.
 Complete
0702755816 6/2/21 - Exception remains active 6/8/21: exception remains 6.30.21: exception satisfied, remaining docs are lender internal checks only. Repairs are complete.  (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 20 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 72.50 is below guideline maximum of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $66,735.86 in reserves.
 Complete
0439045749       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 40.17%; Max LTV 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX with the same company for 25 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0125999708       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3255.51; Subject PI is $3043.43. Monthly savings of $212.08.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 7 years on current job.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  WVOE dated 3-10-21 verifies the following income not used to qualify: bonus income averaging $2,531.25/month and a salary increase of $464.27/month.
 Complete
0092530974 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 29.62% below maximum allowed of 50%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 credit score.  Minimum required is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 70% below maximum allowed of 95%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Subject property Borrower current primary residence for 26yrs
 Complete
0092530974  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 29.62% below maximum allowed of 50%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 credit score.  Minimum required is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 70% below maximum allowed of 95%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Subject property Borrower current primary residence for 26yrs
 Complete
0145843399       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $373,594.17 in total assets documented. Effective amount is $373,594.17, with liquid assets of $373,594.17. Cash required to close $253,478.36 (ctc $227,648.36 + $26100 EMD). Post close reserves are $119,845.81. Reserves required per LP $0.Excess Post-closing reserves of $119,845.81.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has 35 years on current job.
 Complete
0466166408 5.3.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  742 qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 27.21%, max DTI is 43%.
 Complete
0935100406 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 740 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 40.53% is below guideline maximum DTI.
 Complete
0147832126       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 34.41% is below guideline requirement

CFCFS2860: Good credit history
- Clayton Comments:  Borrower 1 and 2 has excellentwell-paid credit with no significant derogatory items reportingon credit.
 Complete
0714440546       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $154,794.60 in total assets documented. Effective amount is $154,794.60, with liquid assets of $154,794.60. Cash required to close $8,318.11. Post close reserves are $146,476.49. Reserves required $0.Excess Post-closing reserves of $146,476.49.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 35.24% is 59.76 below the maximum of 95%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $4181.49; Subject PI is $3169.98. Monthly savings of $1011.51.
 Complete
0107312288 5.6.21 - Exception satisfied.  Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has 37.50 months of PITIA reserves.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been living at her current address for the past 5 years.
 Complete
0203693628       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 27 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 32.70% is below guideline requirement
 Complete
0124581653       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 credit score.  Minimum required is 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been in current job for 16yrs 6months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the profession for 15yrs.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 7yrs 3months.
 Complete
0655959136       CFCFS2854: Significant time in profession
- Clayton Comments:  7 years in the profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  7 years in the current job
 Complete
0695130158       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been  employed for 21 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 15 years.
 Complete
0834741138 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,281,058.99 in total assets documented. Effective amount is $1,281,058.99, with liquid assets of $1,281,058.99. Cash required to close $556,626.16 (ctc + EMD not cleared of $103,000). Post close reserves are $724,432.83. Reserves required on per DU $0.Excess Post-closing reserves of $724,432.83.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 54.55% is 40.45 below the maximum of 95%.
 Complete
0840934590       CFCFS2854: Significant time in profession
- Clayton Comments:  6 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 763 exceeds guideline minimum score.
 Complete
0102302067 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $957,297.87 in total assets documented. Effective amount is $957,297.87, with liquid assets of $957,297.87. Cash required to close $192,489.62 + $25,000 EMD not verified = $217,489. Post close reserves are $739,808.87. Reserves required $0.  Excess Post-closing reserves of $739,808.87.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is 20 below the maximum of 95%.
 Complete
0254569153 5.3.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $201,970.42 in total assets documented. Effective amount is $201,970.42, with liquid assets of $201,970.42. Cash required to close $160,751.72 (ctc + EMD $11000 not cleared). Post close reserves are $41,218.70. Reserves required per DU $0.Excess Post-closing reserves of $41,218.70.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  80% is 15 below the maximum of 95%.
 Complete
0610332675 7.26.2021  Exception remains.8.2.21: exception remains: Valid - Per CD and Settlement Statement in file, disbursement is XXX, nothing in file that can confirm XXX disbursement. Issue was addressed in stip clearing. 8.4.21: ok satisfy with docs already provided per Clayton compliance  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 56.61% below maximum allowed of 95%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI of 17.22 below guideline requirement.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0944522541 5.4.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  729 qualifying score. Min required per guidelines is 620.
 Complete
0944522541 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  729 qualifying score. Min required per guidelines is 620.
 Complete
0944522541 5.4.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  729 qualifying score. Min required per guidelines is 620.
 Complete
0944522541 5.3.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  729 qualifying score. Min required per guidelines is 620.
 Complete
0526637156 5.3.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.25%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $413,105.16.  Reserves required $0.00 per AUS.
 Complete
0526637156 5.3.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.25%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $413,105.16.  Reserves required $0.00 per AUS.
 Complete
0526637156 5.3.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.25%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $413,105.16.  Reserves required $0.00 per AUS.
 Complete
0999439564       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 and B2 both have 18 years history in line of work.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 48.94% is below the program maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 804 exceeds the program minimum of 680 by 124 points.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 receives commission income not used for qualification.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 (PWE) has 18 years and 4 months history at current job.
 Complete
0738192318 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 11 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been at current job for the past 12 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 75.06 is below guideline maximum of 95.00.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0738192318  6.23.21: exception satisfied (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 11 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been at current job for the past 12 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 75.06 is below guideline maximum of 95.00.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0706089732       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3630.83; Subject PI is $3202.97. Monthly savings of $427.86.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  65.70% is 29.30 below the maximum of 95%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 14 years on current job.
 Complete
0008407277       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 798 exceeds the program minimum of 680 by 118 points.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 (PWE) has 10 years and B2 has 23 years history in line of work.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 65.05% is below the program maximum.
 Complete
0052189509       CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same line of profession for 35years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 43.41% below maximum allowed of 95%
 Complete
0085120810 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  765 credit score.  Minimum required is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 63.23% below maximum allowed of 95%
 Complete
0508362329 (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 39.14% is below the program maximum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 43.10% is below the program maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 725 exceeds the program minimum of 660 by 65 points.

CFCFS2854: Significant time in profession
- Clayton Comments:  PWE (B1) has 26 years history in profession.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.
 Complete
0135322330 5.4.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $25,643.25.  Reserves required $0.00 per AUS.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 42.11%; Max DTI 50%.
 Complete
0135322330 5.4.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $25,643.25.  Reserves required $0.00 per AUS.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 42.11%; Max DTI 50%.
 Complete
0532056183 4.29.21 - Exception remains (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been XXX in the same line of work for 15 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  .  Post close reserves are $3,092.73.  Reserves required $0.00 per AUS.
 Complete
0532056183 4.29.21 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been XXX in the same line of work for 15 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  .  Post close reserves are $3,092.73.  Reserves required $0.00 per AUS.
 Complete
0532056183 4.29.21 - Exception remains (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been XXX in the same line of work for 15 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  .  Post close reserves are $3,092.73.  Reserves required $0.00 per AUS.
 Complete
0532056183 4.29.21 - Exception remains.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been XXX in the same line of work for 15 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  .  Post close reserves are $3,092.73.  Reserves required $0.00 per AUS.
 Complete
0187602012 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $203,005.50 in total assets documented. Effective amount is $203,005.50, with liquid assets of $203,005.50. Cash required to close $159,420.98 (Cash to close $145,134.98 + EMD not verified $14,286). Post close reserves are $43,584.52. Reserves required $0 + XXX $1283.Excess Post-closing reserves of $42,301.52.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 22 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 79.71% is 15.09 below the maximum of 95%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has an excellent mortgage history with 69 months reported and no late payments.
 Complete
0594813973       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of profession for 25years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any derogatory or delinquency on his report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 23.52% below maximum allowed of 97%
 Complete
0424418039 6/12/21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 23.11% below maximum allowed of 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 58.99% below maximum allowed of 95%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower additional commission income using paystub 02.28.21 calculated average $50,314.26 / 24mos = $2096.43 monthly not being used to qualify.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of consumer credit history.
 Complete
0424418039 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 23.11% below maximum allowed of 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 58.99% below maximum allowed of 95%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower additional commission income using paystub 02.28.21 calculated average $50,314.26 / 24mos = $2096.43 monthly not being used to qualify.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of consumer credit history.
 Complete
0424418039  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 23.11% below maximum allowed of 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 58.99% below maximum allowed of 95%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower additional commission income using paystub 02.28.21 calculated average $50,314.26 / 24mos = $2096.43 monthly not being used to qualify.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of consumer credit history.
 Complete
0798026357       CFCFS2854: Significant time in profession
- Clayton Comments:  PWE (B1) has 18 years history in line of work.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 783 exceeds the program minimum of 680 by 103 points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 36.66% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80.00% is below the program maximum.
 Complete
0259204378 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $291,171.97 in total assets documented. Effective amount is $291,171.97, with liquid assets of $291,171.97. Cash required to close $223,380.96. Post close reserves are $67,791.01. Reserves required $0.Excess Post-closing reserves of $67,791.01.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 13 years on current job.
 Complete
0259204378 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $291,171.97 in total assets documented. Effective amount is $291,171.97, with liquid assets of $291,171.97. Cash required to close $223,380.96. Post close reserves are $67,791.01. Reserves required $0.Excess Post-closing reserves of $67,791.01.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 13 years on current job.
 Complete
0206778522 6/14/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  84 months of 0x30 mortgage history per CBR.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  6.5 years employed at XXX
 Complete
0206778522 6/14/21 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  84 months of 0x30 mortgage history per CBR.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  6.5 years employed at XXX
 Complete
0206778522 6/14/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  84 months of 0x30 mortgage history per CBR.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  6.5 years employed at XXX
 Complete
0615027031       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been working in the same line of profession for 16years

CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any derogatory or delinquency on his report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.51% below maximum allowed of 95%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  71 months of 0x30 consumer credit history.
 Complete
0904749615 6/15/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 29.42% below maximum allowed of 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  44 months ($253,230.85) PITI reserves, no reserves required by AUS

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower XXX currently 14yrs and 35yrs in same profession
 Complete
0904749615 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 29.42% below maximum allowed of 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  44 months ($253,230.85) PITI reserves, no reserves required by AUS

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower XXX currently 14yrs and 35yrs in same profession
 Complete
0904749615  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 29.42% below maximum allowed of 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  44 months ($253,230.85) PITI reserves, no reserves required by AUS

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower XXX currently 14yrs and 35yrs in same profession
 Complete
0508438439       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for the past 11 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrow has been employed at current job for the past 17 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in her profession for the past 24 years.
 Complete
0839843287       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 742 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.22% is below guideline maximum DTI.
 Complete
0307820324       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has 14.19 months of PITIA reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 782 exceeds guideline requirement of 720.
 Complete
0278347053       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  14 years in the current Job

CFCFS2854: Significant time in profession
- Clayton Comments:  14 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 794 exceeds guideline minimum score.
 Complete
0417584346 6/17/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI of 27.39% below guideline requirement.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 95%
 Complete
0955020382 6.16.2021 Exception satisfied (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  44.52% is 50.48 below the maximum of 95%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $2916.89; Subject PI is $2409.47. Monthly savings of $507.42.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have 23 years in profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $21,720.68 in total assets documented. Effective amount is $21,720.68, with liquid assets of $21,720.68. Cash required to close $0. Cash back at closing $904.48. Post close reserves are $21,720.68. Reserves required $0.Excess Post-closing reserves of $21,720.68.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Rental income of $5000 per month is verified by copy of lease and tax returns  not used to qualify.
 Complete
0712486094 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 774 exceeds guideline requirement of 680 minimum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV (80%) is below guideline maximum requirement (95%)  by 15%
 Complete
0602951807       CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any recent derogatory or delinquency on her report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  'LTV of 66.90% below maximum allowed of 97%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of is below guideline requirement.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0532570720 5.3.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  746 qualifying score. Min required per guidelines is 620
 Complete
0532570720 5.3.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  746 qualifying score. Min required per guidelines is 620
 Complete
0509644251       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  791 credit score.  Minimum required is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower XXX currently 12yrs and 18yrs in same profession

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 25.55% below maximum allowed of 50%.
 Complete
0725817485 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for the past 10 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in his profession for the past 20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 5 years.
 Complete
0725817485  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for the past 10 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in his profession for the past 20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 5 years.
 Complete
0500354977       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 22 years in the professionCo-Borrower has 23 in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 737 exceeds guideline minimum score.
 Complete
0539157210 5.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 46.94%; Max DTI 80%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have lived at the current residence for 12 years.
 Complete
0539157210 5.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 46.94%; Max DTI 80%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have lived at the current residence for 12 years.
 Complete
0373694927       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has 10.97 months of PITIA reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 12 years.
 Complete
0967038512       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 20yrs.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 818 exceeds guideline requirement of 680.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a good credit history for 340months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 66.16% is below guideline maximum requirement of 95%
 Complete
0607852354 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 33.12% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 58.78% is below the program maximum.

CFCFS2860: Good credit history
- Clayton Comments:  Both B1 and B2 have good credit history; conservative use of credit and responsible debt repayment.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0925253437 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  52 months of 0x30 consumer history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in her profession for the past 10 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 75.00 is below guideline maximum of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $283,212.83 in reserves.
 Complete
0480618722 6.22.2021 Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 19.62% is below the program maximum.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 (PWE) has 9 years history in line of work.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 781 exceeds the program minimum of 660 by 121 points.
 Complete
0480618722 6.22.2021 Exception satisfied. Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 19.62% is below the program maximum.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 (PWE) has 9 years history in line of work.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 781 exceeds the program minimum of 660 by 121 points.
 Complete
0292258996 7.27.2021 Exception remains.8.2.21: exception remains, valid, Valid - Per CD and Settlement Statement in file, disbursement is XXX, nothing in file that can confirm XXX disbursement.8.4.21: per Clayton compliance, exception can be satisfied with what has already been provided  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  15 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 800 exceeds guideline minimum score.
 Complete
0228055841       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 46.57 is below guideline maximum of 95.00.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in his profession for the past 22 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $20,735.88 in reserves.
 Complete
0862969807 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  765 credit score.  Minimum required is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 95%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  58 months ($258,820.19) PITI reserves, no reserves required by AUS

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  83 months of 0x30 consumer credit history.
 Complete
0862969807  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  765 credit score.  Minimum required is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 95%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  58 months ($258,820.19) PITI reserves, no reserves required by AUS

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  83 months of 0x30 consumer credit history.
 Complete
0452126388       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 13 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 36.72 is below guideline maximum of 95.00.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 17 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0576652586 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for the past 7 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 12 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $63,027 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0576652586  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for the past 7 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for the past 12 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $63,027 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0203988167       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 6 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70.42 is below maximum of 95.00.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.09 is below guideline maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  87 months of 0x30 consumer credit history.
 Complete
0139014788       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 18.06% is 76.94 below the maximum of 95%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3031.49; Subject PI is $2630.23. Monthly savings of $401.26.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned property for over 22 years.
 Complete
0119684901       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  6 years on the current Job

CFCFS2854: Significant time in profession
- Clayton Comments:  6 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 784 exceeds guideline minimum score.
 Complete
0909427592       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  30 years on the current Job

CFCFS2854: Significant time in profession
- Clayton Comments:  30 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 750 exceeds guideline minimum score.
 Complete
0336896779       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70.58 is below maximum guideline requirement of 95.00.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in her profession for the past 5 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $52,940.41 in reserves.
 Complete
0237015007       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.30%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $61,691.57.  Reserves required $0.00 per AUS.
 Complete
0373960484       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  773 qualifying score. Min required per guidelines is 620
 Complete
0942746849 6/15/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  759 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 44.64% below maximum allowed of 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 72.75% below maximum allowed of 95%
 Complete
0942746849 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  759 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 44.64% below maximum allowed of 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 72.75% below maximum allowed of 95%
 Complete
0942746849  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  759 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 44.64% below maximum allowed of 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 72.75% below maximum allowed of 95%
 Complete
0421356645 (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  77.18% is 17.82 below the maximum of 95%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 35 years in profession.
 Complete
0485020513       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV IS 43.21%  max allowed per guidelines is 95%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying score. Min required per guidelines is 620
 Complete
0044465397       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.79% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 58.20% is below the program maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 809 exceeds the program minimum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history
 Complete
0319743302 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been at current job for the past 11 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 73.76 is below guideline maximum of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $2,421.69 in reserves.
 Complete
0319743302  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been at current job for the past 11 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 73.76 is below guideline maximum of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $2,421.69 in reserves.
 Complete
0901099369       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 64.52% is below the program maximum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 20.46% is below the program maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 801 exceeds the program minimum of 640 by 161 points.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history
 Complete
0784005698       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $210,727.19 in total assets documented. Effective amount is $210,727.19, with liquid assets of $210,727.19. Cash required to close $196,140.49. Post close reserves are $14,586.70. Reserves required $0.Excess Post-closing reserves of $14,586.70.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 77.87% is 17.13 below the maximum of 95%.
 Complete
0222058765 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  779 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 26.92% below maximum allowed of 43%.
 Complete
0515802355       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 16 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for the past 19 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 28 years.
 Complete
0577279602 6/2/21 - Exception satisfied.  (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any derogatory or delinquency on his report.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of profession for 15years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 65.67% below maximum allowed of 97%
 Complete
0474346046 6/15/21 - Exception satisfied. Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 22.10% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 41.12% is below the program maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 773 exceeds the program minimum of 620 by 153 points.
 Complete
0657120136       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  723 qualifying score. Min required per guidelines is 620

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV IS 49.951%  max allowed per guidelines is 95%.
 Complete
0906067716       CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any derogatory or delinquency on his report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 97%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 29.84% below guideline requirement.
 Complete
0606701493       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $314,660.11 in total assets documented. Effective amount is $314,660.11, with liquid assets of $314,660.11. Cash required to close $226,862.77 (CTC + $50,000 EMD as insufficient evidence cleared). Post close reserves are $87,797.34. Reserves required $0.Excess Post-closing reserves of $87,797.34.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional verified bonus income: 2020 $20,700, 2019 $19.500. Not used to qualify.
 Complete
0387240338 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for the past 5 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for the past 9 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 64.17 below guideline maximum of 95.00.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0387240338  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for the past 5 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for the past 9 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 64.17 below guideline maximum of 95.00.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0431823489 6/17/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 68mos; maximum required 12mos

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  780 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 20.14% below maximum allowed of 50%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0431823489 6/17/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 68mos; maximum required 12mos

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  780 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 20.14% below maximum allowed of 50%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0431823489 6/17/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 68mos; maximum required 12mos

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  780 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 20.14% below maximum allowed of 50%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0431823489 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 68mos; maximum required 12mos

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  780 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 20.14% below maximum allowed of 50%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0431823489  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 68mos; maximum required 12mos

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  780 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 20.14% below maximum allowed of 50%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0524462167       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  6 years in the current Job

CFCFS2854: Significant time in profession
- Clayton Comments:  12 years in the profession
 Complete
0897800098 6.23.2021 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for the past 7 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for the past 8 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $20,243.42 in reserves.
 Complete
0897800098 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for the past 7 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for the past 8 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $20,243.42 in reserves.
 Complete
0897800098  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for the past 7 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for the past 8 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $20,243.42 in reserves.
 Complete
0231444317 5.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the profession for 22yrs.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 10yrs 4months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's credit score 744 exceeds (680) guidelines.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history of 209 months.
 Complete
0569141585       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  54 months of 0x30 consumer credit history.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has the following additional documented income that was not used to qualify: Staff incentive 2020 $3,651.43; 2019 $15,585.22; Overtime pay: 2020 $12,329.16; 2019 $26,367.91

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 8 years on current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  80% is 15 below the maximum of 95%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $334,158.17 in total assets documented. Effective amount is $277,962.17, with liquid assets of $195,027.29. Cash required to close $176,938.60. Post close reserves are $101,023.57. Reserves required $0. Excess Post-closing reserves of $ 101,023.57.
 Complete
0254943815 5.4.21 - Exception satisfied.  Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has 11.07 months of PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.86 below guideline requirement.
 Complete
0802537181       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 8 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in her profession for the past 15 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $130,007.47 in reserves.
 Complete
0623887584       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 51.07%; Max LTV 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.73%; Max DTI 50%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.
 Complete
0707366502       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 38.39% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.77% is below the program maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 740 exceeds the program minimum of 680 by 60 points.
 Complete
0349521848 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  25 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 707 exceeds guideline 680 minimum score.
 Complete
0648930079 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 790 exceeds the program minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 45.74% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 66.66% is below the program maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  96 months of 0x30 consumer credit history; 24 months required.
 Complete
0995934431 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.22%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $73,073.99.  Reserves required $0.00 per AUS.
 Complete
0995934431 5.3.21 - Exception remains. 8.11.2021 - Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.22%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $73,073.99.  Reserves required $0.00 per AUS.
 Complete
0708189054       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  747 credit score.  Minimum required is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 36.09% below maximum allowed of 43%.
 Complete
0160177443 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.23% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 76.86% is below the program maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 782 exceeds the program minimum of 620 by 162 points.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0410750723 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been in the same line of profession for 7years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 97%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  87 months of 0x30 consumer history.
 Complete
0955883072       CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has over 16 years on current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $7,305.76 in total assets documented. Effective amount is $7,305.76, with liquid assets of $7,305.76. Cash required to close $0. Cash back at closing $233.29. Post close reserves are $7,305.76. Reserves required $0.Excess Post-closing reserves of $7,305.76.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3183.10; Subject PI is $2781.33. Monthly savings of $401.77.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  HLTV of 60.73% is 34.27 below the maximum LTV/CLTV/HLTV of 95%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  55 months of 0x30 consumer credit history.
 Complete
0538029168       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 8 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has 22.96 months of PITIA reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 797 exceeds requirement of 720.
 Complete
0506145879 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 and B2 has been living in current resident for 13years 2 month.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.01% below maximum allowed of 97%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0506145879  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 and B2 has been living in current resident for 13years 2 month.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.01% below maximum allowed of 97%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0589821713       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history. 24 months required.

CFCFS2854: Significant time in profession
- Clayton Comments:  15 years as a XXX

CFCFS1736: Significant time at current residence
- Clayton Comments:  6.6 years living at prior residence.
 Complete
0260757255 6/15/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $367,454.99 in total assets documented. Effective amount is $358,174.52, with liquid assets of $358,174.52. Cash required to close $260,838.80 (Cash to close plus unverified EMD). Post close reserves are $97,335.72. Reserves required $0 per LP + XXX $664. Excess Post-closing reserves of $96,671.72.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 10 below the maximum of 90%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower's have an excellent mortgage history of 20 months with no late payments.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0260757255 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $367,454.99 in total assets documented. Effective amount is $358,174.52, with liquid assets of $358,174.52. Cash required to close $260,838.80 (Cash to close plus unverified EMD). Post close reserves are $97,335.72. Reserves required $0 per LP + XXX $664. Excess Post-closing reserves of $96,671.72.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 10 below the maximum of 90%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower's have an excellent mortgage history of 20 months with no late payments.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0260757255 6/15/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $367,454.99 in total assets documented. Effective amount is $358,174.52, with liquid assets of $358,174.52. Cash required to close $260,838.80 (Cash to close plus unverified EMD). Post close reserves are $97,335.72. Reserves required $0 per LP + XXX $664. Excess Post-closing reserves of $96,671.72.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 10 below the maximum of 90%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower's have an excellent mortgage history of 20 months with no late payments.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0611466873 5.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 exceeds 680 guideline minimum score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserve $139,390.21 exceed guideline required
 Complete
0985528745 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 5 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.87 is below guideline maximum of 95.00.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for the past 19 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0985528745  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 5 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.87 is below guideline maximum of 95.00.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for the past 19 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0539479621       CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in his profession for the past 20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current address for the past 5 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 48.37 below guideline maximum of 95.00.
 Complete
0502148546 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at his current job for the past 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower required to have 12 months reserves, borrower has 58.24 months of PITIA reserves.
 Complete
0201360021       CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any recent derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 62.37% below maximum allowed of 97%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.13% back-end DTI.
 Complete
0846538997 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  811 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 27.75% below maximum allowed of 50%.
 Complete
0846538997  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  811 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 27.75% below maximum allowed of 50%.
 Complete
0597024332 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 15 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for the past 20 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.18 is below guideline maximum of 95.00.
 Complete
0597024332  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 15 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for the past 20 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.18 is below guideline maximum of 95.00.
 Complete
0470838100 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has 37.79 months of PITIA reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 724 exceeds guideline score of 720.
 Complete
0605494655 7.26.2021 - Exception remains.7.28.21: Clayton compliance confirmed- new CD is needed, reconfirmed, exception remains 8.4.21: per Clayton Compliance exception can be satisfied with docs already provided (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 41.43% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 47.46% is below the program maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0605494655 7.26.2021 - Exception remains.7.28.21: Clayton compliance confirmed- new CD is needed, reconfirmed, exception remains 8.4.21: per Clayton Compliance exception can be satisfied with docs already provided (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 41.43% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 47.46% is below the program maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0393591109       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,775,371.40 in total assets documented. Effective amount is $566,579.30, with liquid assets of $566,579.30. Cash required to close $477,214.95. Post close reserves are $49,614.35. Reserves required $0. Excess Post-closing reserves of $49,614.35.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned current residence for over 41 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 62.07% is 32.93 below the maximum of 95%.
 Complete
0008082144       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 (PWE) has 24 years and 8 months history at current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.99% is below the program maximum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.45% is below the program maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 719 exceeds the program minimum of 640 by 79 points.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0208346613 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.16% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80.00% is below the program maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 772 exceeds the program minimum of 720 by 52 points.
 Complete
0264290194 6/15/21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  813 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 30.52% below maximum allowed of 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75.98% below maximum allowed of 95%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0264290194 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  813 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 30.52% below maximum allowed of 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75.98% below maximum allowed of 95%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0264290194  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  813 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 30.52% below maximum allowed of 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75.98% below maximum allowed of 95%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0305475092 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 (PWE) has 16 years and 6 months history at current job.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.65% is below the program maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 790 exceeds the program minimum of 680 by 110 points.
 Complete
0276219696       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  767 qualifying score. Min required per guidelines is 620

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV IS 50.21%  max allowed per guidelines is 95%.
 Complete
0604242770       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 19.55% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 60.00% is below the program maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0923445210       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 64.39%; Max LTV 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.24%; Max DTI 50%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.
 Complete
0297164973 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 17 years in profession.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has 7 years on current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $681,293.64 in total assets documented. Effective amount is $542,118.41, with liquid assets of $335,263.36. Cash required to close $295,879.07. Post close reserves are $246,239.34. Reserves required per DU $35,857.17.          Excess Post-closing reserves of $210,382.17.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is 10 below the maximum of 85%.
 Complete
0872939806 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 12 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 78.32 below guideline requirements maximum of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $59,440.70 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0223946318 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.17%; Max LTV 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash Reserves $37,690.42.  Reserves required $0.00 per AUS.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  28 months of 0x30 consumer history.
 Complete
0399305646       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at his current residence for the past 14 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with his current job for the past 17 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 20 years.
 Complete
0498957063 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been employed at current job for the past 5 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $27,289.22 in reserves.
 Complete
0498957063  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been employed at current job for the past 5 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $27,289.22 in reserves.
 Complete
0498957063 (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been employed at current job for the past 5 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $27,289.22 in reserves.
 Complete
0337034660 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 (PWE) has 11 years and 2 months history at current job.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.72% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 72.82% is below the program maximum.
 Complete
0804783456       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.29%; Max DTI 50%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  B2 has owned the current residence for 20 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0666449883 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 74.69% below maximum allowed of 90%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  800 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 39.97% below maximum allowed of 50%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0666449883  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 74.69% below maximum allowed of 90%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  800 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 39.97% below maximum allowed of 50%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0290157694 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been in the same line of profession for 30years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 97%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0392133211 6.22.2021 Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  83 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 17 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $229,269.30 in reserves.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 80.00 is below the guideline maximum of 95.00.
 Complete
0392133211 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  83 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 17 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $229,269.30 in reserves.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 80.00 is below the guideline maximum of 95.00.
 Complete
0392133211  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  83 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 17 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $229,269.30 in reserves.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 80.00 is below the guideline maximum of 95.00.
 Complete
0619639671 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 70% below maximum allowed of 95%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  742 credit score.  Minimum required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  31 months ($122,600.35) PITI reserves, no reserves required

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0619639671  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 70% below maximum allowed of 95%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  742 credit score.  Minimum required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  31 months ($122,600.35) PITI reserves, no reserves required

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0076016747 7.20.21: Exception satisfied Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for the past 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 80.00 is below guideline maximum of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $331,348.58 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0076016747  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for the past 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 80.00 is below guideline maximum of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $331,348.58 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0475972658       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80.00% is below the program maximum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 42.96% is below the program maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.
 Complete
0096223028 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $942,855.64 in total assets documented. Effective amount is $942,855.64, with liquid assets of $942,855.64. Cash required to close $855,517.26. Post close reserves are $87,338.38. Reserves required $0 + XXX $17,416.Excess Post-closing reserves of $69,922.38.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 46.69% is 48.31 below the maximum of 95%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have an excellent mortgage history with 68 months reviewed on primary and 15 months on second home with no late payments.
 Complete
0011063044 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $318,685.16 in total assets documented. Effective amount is $195,459.08, with liquid assets of $195,459.08. Cash required to close $151,677.69 + $26339.70 EMD not verified = $178,017.39. Post close reserves are $17,441.69. Reserves required $0.Excess Post-closing reserves of $17,441.69.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  80% is 15 below the maximum of 95%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent credit with a credit score of 809, 4 open accounts and 26 closed with no late payments and only $29 per month in debt.
 Complete
0539799880 7.20.21: Exception satisfied Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at his current job for the past 14 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.51 is below guideline maximum of 95.00.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.68 is below guideline of 43.00.
 Complete
0539799880  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at his current job for the past 14 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.51 is below guideline maximum of 95.00.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.68 is below guideline of 43.00.
 Complete
0470445477 6/17/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  758 mid qualifying credit score used.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  15.6 years employed at XXXX
CFCFS2854: Significant time in profession
- Clayton Comments:  B1 - 13.6 years in the XXX
 Complete
0470445477 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  758 mid qualifying credit score used.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  15.6 years employed at XXX
CFCFS2854: Significant time in profession
- Clayton Comments:  B1 - 13.6 years in the XXX
 Complete
0470445477 6/17/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  758 mid qualifying credit score used.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  15.6 years employed at XXX

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 - 13.6 years in the XXX
 Complete
0200734723       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  12.52% DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  70% LTV below guideline max of 80 %
 Complete
0039178981       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.11%; guideline maximum is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer for 6.2 years.
 Complete
0393724803 4.8.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 716 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.06% is below guideline maximum DTI.
 Complete
0056616051 4.6.21 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned property for 42 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 37.04% is 42.96 below the maximum of 80%.
 Complete
0056616051 4.6.21 - Exception satisfied.  Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned property for 42 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 37.04% is 42.96 below the maximum of 80%.
 Complete
0056616051 (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned property for 42 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 37.04% is 42.96 below the maximum of 80%.
 Complete
0056616051 4.7.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned property for 42 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 37.04% is 42.96 below the maximum of 80%.
 Complete
0056616051 Exception Satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned property for 42 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 37.04% is 42.96 below the maximum of 80%.
 Complete
0715549074 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.07% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80.00% is below the program maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0697056833 2.8.21 - Exception remains. 2.9.21 - Exception satisfied.  Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for over 16 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned property since 2012.
 Complete
0697056833 2.8.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for over 16 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned property since 2012.
 Complete
0483497035 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $164,489.99 in total assets documented. Effective amount is $132,896.27, with liquid assets of $132,896.27. Cash required to close $9,563.60. Post close reserves are $123,332.67. Reserves required on subject property: $0.Excess Post-closing reserves of $123,332.67. *Total assets include a verified XXX account that was not included in AUS evaluation.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3659.71; Subject PI is $3213.20. Monthly savings of $446.51.
 Complete
0378744003       CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  53 mo. 0x30 mortgage payment history.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $51,912.65 verified reserves; $0 reserves required per LP but XXX balance of $3768.56 as of 9/25/20 is covered.
 Complete
0253830615 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $518,402.71 in total assets documented. Effective amount is $368,422, with liquid assets of $368,422. Cash required to close $40,604.59. Post close reserves are $327,817.41. No Reserves required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned property for 21 years.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3955.01; Subject PI is $3125.49. Monthly savings of $829.52.
 Complete
0253830615 5.10.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $518,402.71 in total assets documented. Effective amount is $368,422, with liquid assets of $368,422. Cash required to close $40,604.59. Post close reserves are $327,817.41. No Reserves required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned property for 21 years.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3955.01; Subject PI is $3125.49. Monthly savings of $829.52.
 Complete
0102222728       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  65 mo. 0x30 mortgage payment history.
 Complete
0296031092 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $72,223.92 in total assets documented. Effective amount is $72,223.92, with liquid assets of $72,223.92. Cash required to close $9,463.89. Post close reserves are $62,760.03. Reserves required on subject property: $0.Excess Post-closing reserves of $62,760.03.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $2959.66; Subject PI is $2833.19. Monthly savings of $126.47.
 Complete
0865048753 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $21,069.87 in total assets documented. Effective amount is $21,069.87, with liquid assets of $21,069.87. Cash required to close $454.39. Post close reserves are $20,615.48. Reserves required $0Excess Post-closing reserves of $20,615.48.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3236.14; Subject PI is $2967.91. Monthly savings of $268.23.
 Complete
0865048753 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $21,069.87 in total assets documented. Effective amount is $21,069.87, with liquid assets of $21,069.87. Cash required to close $454.39. Post close reserves are $20,615.48. Reserves required $0Excess Post-closing reserves of $20,615.48.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3236.14; Subject PI is $2967.91. Monthly savings of $268.23.
 Complete
0013051947 6.10.2021 Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 25.04%; Max LTV 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,715,904.46.  Reserves required $1,649.00 per AUS.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 32.65% below maximum allowed of 50%.
 Complete
0584947318 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $78,817.97 in total assets documented. Effective amount is $78,817.97, with liquid assets of $78,817.97. Cash required to close $2,190.62. Post close reserves are $76,627.35. Reserves required on subject property: $0.Excess Post-closing reserves of $76,627.35.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 receives income, however income was not counted due to IRS errors received when ordering wage transcripts for B2.  B2 receives the following income which has not been used to qualify: $16,270.50 per month for a temporary director position with the XXX and $13,077.38 per month for retirement from XXX
 Complete
0783768426 3.23.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3315.72; Subject PI is $2815.01. Monthly savings of $500.71.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 2 receives income from 51% XXX that was not used to qualify. Reviewer calculated income to be $31,879.77 per month based on 2019 personal and business tax returns.
 Complete
0783768426 3.23.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3315.72; Subject PI is $2815.01. Monthly savings of $500.71.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 2 receives income from 51% XXX that was not used to qualify. Reviewer calculated income to be $31,879.77 per month based on 2019 personal and business tax returns.
 Complete
0783768426 3.21.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3315.72; Subject PI is $2815.01. Monthly savings of $500.71.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 2 receives income from 51% XXX that was not used to qualify. Reviewer calculated income to be $31,879.77 per month based on 2019 personal and business tax returns.
 Complete
0678709871 5.6.21 - Exception satisfied.  Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  No reserves are required, borrower has 30.32 months of PITIA reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 743 exceeds requirement score of 720.
 Complete
0528031847       CFCFS2854: Significant time in profession
- Clayton Comments:  10 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 773 exceeds guideline minimum score.
 Complete
0478138328 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $12,050.98 in total assets documented. Effective amount is $12,050.98, with liquid assets of $12,050.98. Cash required to close $0. Cash back at closing $1,314.18. Post close reserves are $12,050.98. Reserves required on subject property: $0.Excess Post-closing reserves of $12,050.98.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.55% is 14.45 points below the maximum allowable DTI of 43%.
 Complete
0478138328 3.18.21 - Exception remains. 4.5.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $12,050.98 in total assets documented. Effective amount is $12,050.98, with liquid assets of $12,050.98. Cash required to close $0. Cash back at closing $1,314.18. Post close reserves are $12,050.98. Reserves required on subject property: $0.Excess Post-closing reserves of $12,050.98.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.55% is 14.45 points below the maximum allowable DTI of 43%.
 Complete
0493866162       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  51 mo. 0x30 mortgage payment history.
 Complete
0489650290       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  809 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  58mo. mortgage payment history.
 Complete
0904365024 3.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 783 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.93%s below guideline maximum DTI.

CFCFS2854: Significant time in profession
- Clayton Comments:  8 years in the profession
 Complete
0195798214 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  50+ mo. 0x30 mortgage payment history.
 Complete
0195798214 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  50+ mo. 0x30 mortgage payment history.
 Complete
0195798214 3.29.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  50+ mo. 0x30 mortgage payment history.
 Complete
0443429393 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  85mo. 0x30 mortgage payment history.
 Complete
0657134865 3.16.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,829,236.26 in total assets documented. Effective amount is $0, with liquid assets of $0. Cash required to close $0. Cash back to borrower $.65. Reserves required on subject property: $0.Excess Post-closing reserves of $1,829,236.26. *Total assets include verified Savings and brokerage accounts that were not input in AUS.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 42.63% is 52.37 below the maximum of 95%.
 Complete
0657134865 3.16.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,829,236.26 in total assets documented. Effective amount is $0, with liquid assets of $0. Cash required to close $0. Cash back to borrower $.65. Reserves required on subject property: $0.Excess Post-closing reserves of $1,829,236.26. *Total assets include verified Savings and brokerage accounts that were not input in AUS.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 42.63% is 52.37 below the maximum of 95%.
 Complete
0657134865 3.16.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,829,236.26 in total assets documented. Effective amount is $0, with liquid assets of $0. Cash required to close $0. Cash back to borrower $.65. Reserves required on subject property: $0.Excess Post-closing reserves of $1,829,236.26. *Total assets include verified Savings and brokerage accounts that were not input in AUS.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 42.63% is 52.37 below the maximum of 95%.
 Complete
0657134865 3.16.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,829,236.26 in total assets documented. Effective amount is $0, with liquid assets of $0. Cash required to close $0. Cash back to borrower $.65. Reserves required on subject property: $0.Excess Post-closing reserves of $1,829,236.26. *Total assets include verified Savings and brokerage accounts that were not input in AUS.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 42.63% is 52.37 below the maximum of 95%.
 Complete
0972784965 3.10.21 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower have 22 years in same profession; co-borrower have 18 years in same profession

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI of 25.23% is below guideline requirement
 Complete
0978367298 3.29.21 - Exception remains. 4.5.21 - Exception satisfied. Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  100 mo. 0x30 mortgage payment history.
 Complete
0978367298 3.29.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  100 mo. 0x30 mortgage payment history.
 Complete
0763791921       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in her profession for the past 19 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 53.05 is below guideline maximum of 80.00

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at her current job for the past 18 years.
 Complete
0346592089 3.29.21 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  14 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 725 exceeds guideline minimum score.
 Complete
0159519383       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 620
 Complete
0301067553       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 47.84%; Max LTV 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $27,939.33.  Reserves required $0.00 per AUS.
 Complete
0949119335 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 14 years and 2 months at current job

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 25 years in the same profession.
 Complete
0472239931       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 14.86%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $46,342.62.  Reserves required $178.00 per AUS.
 Complete
0084136453       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  10 years in the current JOb

CFCFS2854: Significant time in profession
- Clayton Comments:  10 years in the profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 729 exceeds guideline minimum score.
 Complete
0102786619 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.40%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $48,564.83.  Reserves required $0.00 per AUS
 Complete
0968355697 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.98%; Max DTI 50%.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 20 years.
 Complete
0826978741 4.2.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  740 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  92 mo. 0x30 mortgage payment history.
 Complete
0826978741 4.2.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  740 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  92 mo. 0x30 mortgage payment history.
 Complete
0814000065 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 811 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 19.34% is below guideline maximum DTI.
 Complete
0814000065 3.22.21 - Exception remains. 3.30.21 - Exception satisfied.  Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 811 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 19.34% is below guideline maximum DTI.
 Complete
0474016973 3.26.21 - Exception remains. 4.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $4269.75; Subject PI is $2972.34. Monthly savings of $1297.41.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 49.39% is 45.61 below the maximum of 95%.
 Complete
0563213415       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of 12.77%..below guideline requirement

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 15 years
 Complete
0686190531 4.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 68.22% is 21.78 below the maximum of 90%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $115,578.40 in total assets documented. Effective amount is $115,578.40, with liquid assets of $115,578.40. Cash required to close $0. Cash back $1699.95. Post close reserves are $115,578.40. Reserves required per DU $8466.61 (2 months PITI plus XXX).Excess Post-closing reserves of $107,111.79.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current PI is $3874.45; Subject PI is $3137.42. Monthly savings of $737.03.
 Complete
0686190531 4.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 68.22% is 21.78 below the maximum of 90%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $115,578.40 in total assets documented. Effective amount is $115,578.40, with liquid assets of $115,578.40. Cash required to close $0. Cash back $1699.95. Post close reserves are $115,578.40. Reserves required per DU $8466.61 (2 months PITI plus XXX).Excess Post-closing reserves of $107,111.79.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current PI is $3874.45; Subject PI is $3137.42. Monthly savings of $737.03.
 Complete
0538142765       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $30,544 in total assets documented. Effective amount is $30,544, with liquid assets of $30,544. Cash required to close $0. Cash back at closing $234.65. Post close reserves are $30,544. Reserves required $0.Excess Post-closing reserves of $30,544.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years in profession.
 Complete
0165069423       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been employed at current job for the past 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 6 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 761 exceeds guidelines.
 Complete
0079253734 4.8.21 - Exception remains. 5.4.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  has 17 years on the current job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 802 exceeds guideline minimum score.
 Complete
0079253734 4.8.21 - Exception remains. 5.4.21 - Exception satisfied.  Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  has 17 years on the current job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 802 exceeds guideline minimum score.
 Complete
0490524689       CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Over 50 mo. 0x30 mortgage payment history.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  68.42% LTV; max per guides 97%.
 Complete
0849548982       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  35 mo. 0x30 mortgage payment history.
 Complete
0042321818       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3556.28; Subject PI is $2786.00. Monthly savings of $770.28.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 51.46% is 43.54 below the maximum of 95%.
 Complete
0732783118 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $111,823.70 in total assets documented. Effective amount is $111,823.70, with liquid assets of $111,823.70. Cash required to close $7,268.12. Post close reserves are $104,555.58. Reserves required on subject property: $0.Excess Post-closing reserves of $104,555.58.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 44.72% is 50.28 below the maximum of 95%.
 Complete
0538679763 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at the same job for 17 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 18 years
 Complete
0586193226       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lives at same address for 30 years

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a credit score of 811...exceeds guideline requiremnt
 Complete
0329249644       CFCFS2854: Significant time in profession
- Clayton Comments:  34 years in the profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  34 years in the current Job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 796 exceeds guideline minimum score.
 Complete
0182560641       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $4,868,888.62 in total assets documented. Effective amount is $3,409,101.48, with liquid assets of $3,409,101.48. Cash required to close $739,156.78 ($741,000 sent to Settlement agent  1843.22 refund). Post close reserves are $2,669,944.70. Reserves required $0.Excess Post-closing reserves of $2,669,944.70.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 21 years on the job.
 Complete
0353726905       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $3184.85; Subject PI is $2688.51. Monthly savings of $496.34.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $61,667.54 in total assets documented. Effective amount is $61,667.54, with liquid assets of $61,667.54. Cash required to close $6,545.87 (Paid $6816.37 - $270.50 refund). Post close reserves are $55,121.67. Reserves required on subject property: $0.Excess Post-closing reserves of $55,121.67.
 Complete
0825535579 3.18.21 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 30 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrower has lived at the current residence for 15 years.
 Complete
0825535579 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 30 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrower has lived at the current residence for 15 years.
 Complete
0825535579 3.18.21 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 30 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrower has lived at the current residence for 15 years.
 Complete
0106334867       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 40.52%, Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $15,653.53. Reserves required $0.00.
 Complete
0276082984       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.63% is below guideline maximum DTI.

CFCFS2854: Significant time in profession
- Clayton Comments:  24 years in the profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  6 years in the current job
 Complete
0521022519       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $120,431.46 in total assets documented. Effective amount is $120,431.46, with liquid assets of $120,431.46. Cash required to close $6832.13. Post close reserves are $113,599.33. Reserves required $0.Excess Post-closing reserves of $113,599.33.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  21.79% is 73.21 below the maximum of 95%.
 Complete
0832806832 3.25.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 66.56% is 28.44 below the maximum of 95%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $844,057.28 in total assets documented. Effective amount is $784,502.34, with liquid assets of $695,169.94. Cash required to close $385,215.29. Post close reserves are $399,287.05. Reserves required on subject property: $0.Excess Post-closing reserves of $399,287.05.
 Complete
0832806832 3.25.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 66.56% is 28.44 below the maximum of 95%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $844,057.28 in total assets documented. Effective amount is $784,502.34, with liquid assets of $695,169.94. Cash required to close $385,215.29. Post close reserves are $399,287.05. Reserves required on subject property: $0.Excess Post-closing reserves of $399,287.05.
 Complete
0832806832 3.25.21 - Exception remains.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 66.56% is 28.44 below the maximum of 95%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $844,057.28 in total assets documented. Effective amount is $784,502.34, with liquid assets of $695,169.94. Cash required to close $385,215.29. Post close reserves are $399,287.05. Reserves required on subject property: $0.Excess Post-closing reserves of $399,287.05.
 Complete
0932747421 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  22 years in the profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  7 years in the current Job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 777 exceeds guideline minimum score.
 Complete
0932747421 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  22 years in the profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  7 years in the current Job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 777 exceeds guideline minimum score.
 Complete
0509487373       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 684 exceeds guideline minimum score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 33.45% is below guideline maximum DTI.
 Complete
0790784827       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.49% is below guideline requirement

CFCFS2860: Good credit history
- Clayton Comments:  Borrower's credit report reflect a x30 mortgage payment history; no derogatory or public records noted.
 Complete
0075945838       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.30%, Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified  of $16,833.30. No reserves required.
 Complete
0213036723       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  728 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  52 mo. 0x30 mortgage payment history.
 Complete
0945064373       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  10 years in the current job

CFCFS2854: Significant time in profession
- Clayton Comments:  10 years in the profession

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 21.85% is below guideline maximum DTI.
 Complete
0115690432 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 31.09% is below guideline requirement

CFCFS2860: Good credit history
- Clayton Comments:  Borrower Credit Score of 811 is above guideline requirement with no derogatory mortgage history
 Complete
0588979885 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 21yrs.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV 67.24 LTV is within the maximum 95% LTV requirement.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 744 exceeds guideline requirement of 680.
 Complete
0442627359       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23.92 is below the guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 804 and no derogatory mortgage history
 Complete
0707482072 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  752 qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 36.47%, max DTI is 43%.
 Complete
0707482072 5.11.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  752 qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 36.47%, max DTI is 43%.
 Complete
0707482072 5.11.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  752 qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 36.47%, max DTI is 43%.
 Complete
0450188967 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying Credit score of 736 exceeds guideline requirement of 640.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $316,335.57 funds needed to close. (Initial CD had $50K EMD, final CD has $45K EMD. File has wire receipt from borrower to title for $50K. so closing costs is $5K less to verify.) Verified $415,440.35 in net proceeds from sale of previous home, closed same day. This yields $99,104.79 in reserves. Reserves not required.
 Complete
0348817876 3.17.21 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 8 years in profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.
 Complete
0686642224 4.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  810 qual score.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  80% LTV; max per guides 97%.
 Complete
0628933297 6.3.2021 Exception satisfied (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3222.92; Subject PI is $2636.64. Monthly savings of $586.28.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  HCLTV of 68.89% is 26.11 below the maximum of 95%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0628933297 6/2/21 - Exception remains active.  (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3222.92; Subject PI is $2636.64. Monthly savings of $586.28.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  HCLTV of 68.89% is 26.11 below the maximum of 95%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0354997269 5.27.2021 Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 796 exceeds guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require reserves of $4488, borrower has reserves of $152,768.41.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 63.77 is below guideline maximum 95.00.
 Complete
0584321371       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  58.71% LTV; Max LTV 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $28,466.09.  Reserves required $3,119.00 per AUS.
 Complete
0822939691 3.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $4490.45; Subject PI is $3174.68. Monthly savings of $1315.77.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 60% is 35 below the maximum of 95%.
 Complete
0822939691 3.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $4490.45; Subject PI is $3174.68. Monthly savings of $1315.77.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 60% is 35 below the maximum of 95%.
 Complete
0822939691 3.24.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PI is $4490.45; Subject PI is $3174.68. Monthly savings of $1315.77.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 60% is 35 below the maximum of 95%.
 Complete
0807088747 4.27.21 - Exception remains. 4.29.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  809  qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 34.62%, max DTI is 43%.
 Complete
0401038054 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.11%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $7,241.09.  Reserves required $0.00 per AUS.
 Complete
0401038054 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.11%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $7,241.09.  Reserves required $0.00 per AUS.
 Complete
0009390784 (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current address for the past 33 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in her profession for the pat 19 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for the past 21 years.
 Complete
0009390784 (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current address for the past 33 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in her profession for the pat 19 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for the past 21 years.
 Complete
0409146264 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 60.87% below maximum allowed of 95%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been on her current job for 15 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers does not have any derogatory or delinquency on their report.
 Complete
0977150090       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  720 qualifying score. Min required per guidelines is 620

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 60.79%; max allowed per guidelines is 95%.
 Complete
0308309460 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 credit score.  Minimum required is 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 95%

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage payment history 0x30 42mos
 Complete
0996276427 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $113,111.71 in total assets documented. Effective amount is $113,111.71, with liquid assets of $113,111.71. Cash required to close $2065.41. Post close reserves are $111,046.30. Reserves required $0.          Excess Post-closing reserves of $111,046.30.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PITI + 2nd is $4639; Subject PITI is $4353.03, Monthly savings of $285.97
 Complete
0996276427  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $113,111.71 in total assets documented. Effective amount is $113,111.71, with liquid assets of $113,111.71. Cash required to close $2065.41. Post close reserves are $111,046.30. Reserves required $0.          Excess Post-closing reserves of $111,046.30.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PITI + 2nd is $4639; Subject PITI is $4353.03, Monthly savings of $285.97
 Complete
0794712026 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755 qual score.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 15 years.
 Complete
0487473372       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755 qualifying score. Min required per guidelines is 620

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 74.61%; max allowed per guidelines is 95%.
 Complete
0311516659       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 47.20%; max allowed per guidelines is 95%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 15 years.
 Complete
0309444400 4.26.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $21,737.26.  Reserves required $0.00.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed with the same employer for 20 years.
 Complete
0309444400 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $21,737.26.  Reserves required $0.00.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed with the same employer for 20 years.
 Complete
0309444400 4.26.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $21,737.26.  Reserves required $0.00.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed with the same employer for 20 years.
 Complete
0309444400 4.26.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $21,737.26.  Reserves required $0.00.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed with the same employer for 20 years.
 Complete
0902151841 6.3.2021 Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been employed at her current job for the past 7 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 747 exceeds guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $441,045.85 in reserves.
 Complete
0794013825       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  785 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  94 mo. 0x30 mortgage payment history.
 Complete
0902974675 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  54 months of 0x30 consumer credit history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.56% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 78.95% is below the program maximum.
 Complete
0835404285       CFCFS2854: Significant time in profession
- Clayton Comments:  borrower has been in the same line of profession for 7years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 56.13% below maximum allowed of 97%

CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any derogatory or delinquency on her report.
 Complete
0159901699 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $70,942.35.  Reserves required $0.00 per AUS.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 20 years.
 Complete
0159901699 7.20.21: Exception satisfied Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $70,942.35.  Reserves required $0.00 per AUS.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 20 years.
 Complete
0159901699  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $70,942.35.  Reserves required $0.00 per AUS.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 20 years.
 Complete
0217768633       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 77.74% below maximum allowed of 97%

CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any derogatory or delinquency on their report.
 Complete
0910472369 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  22 years XXX with 21 XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  39.90 months of reserves in file.
 Complete
0910472369 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  22 years XXX with 21 XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  39.90 months of reserves in file.
 Complete
0910472369 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  22 years XXX with 21 XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  39.90 months of reserves in file.
 Complete
0910472369  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  22 years XXX with 21 XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  39.90 months of reserves in file.
 Complete
0724931646       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  39 mo. 0x30 mortgage payment history.
 Complete
0850428764       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 28.55% is below guideline requirement

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 13 years
 Complete
0296720472       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  782 credit score.  Minimum required is 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 55.38% below maximum allowed of 80%

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 41mos; maximum required 12mos
 Complete
0397187574       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 46.31% is below guideline requirements

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 48.91% is below guideline requirement.
 Complete
0932524843 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 54.46% is 40.54 below the maximum of 95%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower's have documented rental income on two properties that is not being used to qualify.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  99 months of 0x30 consumer credit history. 24 months required.
 Complete
0792909006 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same line of profession for 11years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 97%
 Complete
0792909006 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same line of profession for 11years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 97%
 Complete
0856680031 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history

CFCFS2854: Significant time in profession
- Clayton Comments:  15 years as a XXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 mid qualifying credit score used to qualify.
 Complete
0664375748       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.36% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 45.45% is below the program maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0693688796 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $337,455.65 in total assets documented. Effective amount is $327,025.81, with liquid assets of $327,025.81. Cash required to close $289,946.11. Post close reserves are $37,079.70. Reserves required $0.Excess Post-closing reserves of $37,079.70.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 73% is 22 below the maximum of 95%.
 Complete
0693688796 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $337,455.65 in total assets documented. Effective amount is $327,025.81, with liquid assets of $327,025.81. Cash required to close $289,946.11. Post close reserves are $37,079.70. Reserves required $0.Excess Post-closing reserves of $37,079.70.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 73% is 22 below the maximum of 95%.
 Complete
0007408302 5.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 13 yrs 9months.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been at current job for 10yrs 1month.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 751 exceeds guideline minimum (680)

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 13yrs.
 Complete
0995513901       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current address for the past 7 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 7.31 months of reserves, no reserves require.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 47.82 below maximum of 50.00.
 Complete
0049031123       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 22.48%, max DTI is 43%.
 Complete
0004213081 (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV IS 71.43%  max allowed per guidelines is 90%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  791 qualifying score. Min required per guidelines is 620
 Complete
0104604322 5.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.32%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $12,133.80.  Reserves required $0.00 per AUS.
 Complete
0976820962       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.89% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80.00% is below the program maximum.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years history in line of work.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 725 exceeds the program minimum of 680 by 45 points.
 Complete
0222181693 6.8.2021 Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 6 years on current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has over 12 years on current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $450,294.42 in total assets documented. Effective amount is $450,294.42, with liquid assets of $450,294.42. Cash required to close $183,766.47. Post close reserves are $266,527.95. Reserves required $0.          Excess Post-closing reserves of $266,527.95.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0222181693 6.8.2021 Exception remains. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 6 years on current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has over 12 years on current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $450,294.42 in total assets documented. Effective amount is $450,294.42, with liquid assets of $450,294.42. Cash required to close $183,766.47. Post close reserves are $266,527.95. Reserves required $0.          Excess Post-closing reserves of $266,527.95.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0222181693 6/17/2021 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 6 years on current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has over 12 years on current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $450,294.42 in total assets documented. Effective amount is $450,294.42, with liquid assets of $450,294.42. Cash required to close $183,766.47. Post close reserves are $266,527.95. Reserves required $0.          Excess Post-closing reserves of $266,527.95.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0966893912 5.13.21: exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 33.02%, max DTI is 43%.
 Complete
0966893912 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 33.02%, max DTI is 43%.
 Complete
0966893912 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 33.02%, max DTI is 43%.
 Complete
0966893912 5.13.21: exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 33.02%, max DTI is 43%.
 Complete
0186077186       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit per CBR

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 58.74% below maximum allowed of 97%

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been in the same line of profession for 10years.
 Complete
0091558556       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 779 exceeds guideline requirements.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 78.95 is below maximum of 95.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $180,913.30 in reserves.
 Complete
0514588845 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 69.32%; Max LTV 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash Reserves $9,476.57.  Reserves required $0.00 per AUS.
 Complete
0514588845  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 69.32%; Max LTV 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash Reserves $9,476.57.  Reserves required $0.00 per AUS.
 Complete
0225945982 7.1.2021 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 49.74% below maximum allowed of 95%

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a good credit history with no derogatory or delinquency.
 Complete
0210212786       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  761 qualifying score. Min required per guidelines is 620

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.21%  max allowed per guidelines is 95%
 Complete
0597379611 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  810 qualifying score. Min required per guidelines is 620

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 27.18%, max DTI is 43%.
 Complete
0406639347       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per WVOE on file, client was hired on XXX

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit report pulled on XXX, no major mortgage occurrences within the previous two years.
 Complete
0611632967 5/17/21: exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.14%; Max DTI 50%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been with the current employer 14 years.
 Complete
0611632967 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.14%; Max DTI 50%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been with the current employer 14 years.
 Complete
0611632967 5/17/21: exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.14%; Max DTI 50%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been with the current employer 14 years.
 Complete
0143166631 5/26/21: lender attestation combined with existing policy can be treated as post close cure; exception satisfied to non material Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $47,816.03 in reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in her profession for the past 16 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 69.17 is below guideline maximum of 95.00.
 Complete
0981694492       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 45.28%; Max LTV 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.18%; Max DTI 50%.
 Complete
0655513132 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $212,786.10 in total assets documented. Effective amount is $212,786.10, with liquid assets of $212,786.10. Cash required to close $167,843.17. Post close reserves are $44,942.93. Reserves required $0.Excess Post-closing reserves of $44,942.93.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.
 Complete
0003806968       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $33,161.47.  Reserves required $0.00 per AUS.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.32%; Max DTI 50%.
 Complete
0363248524 4.23.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per VVOE, client has been employed with current employer since 05/15/2006.

CFCFS2860: Good credit history
- Clayton Comments:  Per updated credit report pulled on XXX, no derogatory items.
 Complete
0226111547       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 61.97%,; Max LTV 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $37,608.14. Months reserves required $0.00.
 Complete
0479414942 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been in the same line of profession for 10years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 58.38% below maximum allowed of 97%
 Complete
0657287070 6/9/21 - Exception remains.6/10/21 - Exception cleared. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $37,976.53 reserves; 6.88 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 53.85% is 41.15 below the maximum of 95%.
 Complete
0283469299 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 9 years and 2 months history at current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 59.57% below maximum allowed of 95%
 Complete
0283469299 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 9 years and 2 months history at current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 59.57% below maximum allowed of 95%
 Complete
0283469299 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 9 years and 2 months history at current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 59.57% below maximum allowed of 95%
 Complete
0431651477       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.57%, Max DTI 50%.
 Complete
0229788637       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been working at current job for 18years and 6 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any derogatory or delinquency on his report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 54.28% below maximum allowed of 95%
 Complete
0592905580 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same line of profession for 20 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers does not have any derogatory or delinquency on their report.
 Complete
0592905580 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same line of profession for 20 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers does not have any derogatory or delinquency on their report.
 Complete
0052345282       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for the past 10 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been at her job for the past 10 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 42 years.
 Complete
0442942295       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI only 32.75%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  822 score
 Complete
0760347125       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 15.96%; Max DTI 50%.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 29 years.
 Complete
0274440816       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past 17 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at her current job for the past 19 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in her profession for the past 23 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  99 months of 0x30 consumer credit history; 24 months required.
 Complete
0781452192       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 19 years and 3 months history at current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 63.26% is below the program maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  66 months of 0x30 consumer credit history.
 Complete
0254631601       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 793 exceeds guideline requirement of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $46,877.92 in reserves.
 Complete
0948574264       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 40.21% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 54.15% is below the program maximum.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been living at present address for 13 years and 2 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 19 years and 11 months history at current employment.
 Complete
0414829830 (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 66.93% is below the program maximum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 42.48% is below the program maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 737 exceeds the program minimum of 680 by 57 points.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0119890972 (No Data) (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 and B2 has been living in current resident for 17 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same line of profession for 20 years.
 Complete
0135301233       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 47.95% is below the program maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.42% is below the program maximum.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been living at current residence for 16 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0987792964       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  99 months of 0x30 consumer credit history; 24 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59%; Max LTV 80%.

CFCFS1747: Housing expense increase is 10% or less
- Clayton Comments:  The Proposed housing expense increased less than 10% of the Present housing expense.
 Complete
0671548283 (No Data) (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history. 24 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 74.93% below maximum allowed of 97%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.
 Complete
0671548283 (No Data) (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history. 24 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 74.93% below maximum allowed of 97%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.
 Complete
0671548283 5/26/21: exception satisfied (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history. 24 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 74.93% below maximum allowed of 97%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers do not have any derogatory or delinquency on their report.
 Complete
0712208302 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  81 months of 0x30 consumer credit history; 24 months required.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any derogatory or delinquency on his report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 45.28% below maximum allowed of 97%
 Complete
0712208302 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  81 months of 0x30 consumer credit history; 24 months required.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower does not have any derogatory or delinquency on his report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 45.28% below maximum allowed of 97%
 Complete
0556655652 7.20.21: Exception satisfied Not Applicable Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years, 9 months on current job.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional income not used to qualify. Bonus income: 2021 $19,687.50; 2020 $10,000.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has an excellent mortgage payment history with 12 months reported on current primary and 95 months on rental with no late payments.
 Complete
0556655652  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years, 9 months on current job.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional income not used to qualify. Bonus income: 2021 $19,687.50; 2020 $10,000.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has an excellent mortgage payment history with 12 months reported on current primary and 95 months on rental with no late payments.
 Complete
0333599636       CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years history in profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 34.99% is below the program maximum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 42.22% is below the program maximum.
 Complete
0124049247       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 5 years and 4 months history at current employment.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 65.24% is below the program maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 749 exceeds the program minimum of 620 by 129 points.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history
 Complete
0070250346 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 12 years as a XXX
 Complete
0216907128 6/17/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $182,075.39 in total assets documented. Effective amount is $182,075.39, with liquid assets of $182,075.39. Cash required to close $154,456.32. Post close reserves are $27,619.07. Reserves required $0. Excess Post-closing reserves of $27,619.07.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 6 years in profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months on 0x30 consumer credit history.
 Complete
0216907128 6/17/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $182,075.39 in total assets documented. Effective amount is $182,075.39, with liquid assets of $182,075.39. Cash required to close $154,456.32. Post close reserves are $27,619.07. Reserves required $0. Excess Post-closing reserves of $27,619.07.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 6 years in profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% is 15 below the maximum of 95%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months on 0x30 consumer credit history.
 Complete
0574237189       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 51.08% is below the program maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Qualifying score of 815 exceeds the program minimum of 700 by 115 points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  18.13% back-end DTI for borrowers.
 Complete
0783687948 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 26.15%; Max LTV 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX with the same company for 33 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The co-borrower has been in the same line of profession for 31 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash Reserves $64,454.17.  Reserves required $0.00 per AUS.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history; 24 months required.
 Complete
0423064695 6.24.21: exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 13 years on current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  52.63% is 27.37 below the maximum of 80% .

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower 2 has over 6 years on current job.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned property for 6 years.
 Complete
0893901140 6/8/21 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  99 months of 0x30 consumer credit history; 24 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60.83%; Max LTV 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been with the same employer for 10 years.
 Complete
0893901140 5/26/21: exception satisfied (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  99 months of 0x30 consumer credit history; 24 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60.83%; Max LTV 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been with the same employer for 10 years.
 Complete
0893901140 6/14/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  99 months of 0x30 consumer credit history; 24 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60.83%; Max LTV 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been with the same employer for 10 years.
 Complete
0893901140 6/8/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  99 months of 0x30 consumer credit history; 24 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60.83%; Max LTV 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been with the same employer for 10 years.
 Complete
0893901140 6/8/21 - Exception satisfied.  (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  99 months of 0x30 consumer credit history; 24 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60.83%; Max LTV 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been with the same employer for 10 years.
 Complete
0940694353 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 33.14% below maximum allowed of 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 74.92% below maximum allowed of 95%
 Complete
0940694353  6.23.21: exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755 credit score.  Minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 33.14% below maximum allowed of 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 74.92% below maximum allowed of 95%
 Complete
0604044409       CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been XXX in the same line of profession for 22 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrower has lived at the current residence for 8 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of consumer credit history.
 Complete
0510533426 6/10/21: exception remains8.11.2021 - Exception satisfied (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of profession for 19years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 78.32% below maximum allowed of 97%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 27.89 below guideline requirement.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0440403424 5/26/21: exception satisfied (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 78.83 is below guideline maximum of 95.00.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 8 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at his current job for the past 7 years.
 Complete
0371628236       CFCFS2860: Good credit history
- Clayton Comments:  Borrower do not have any derogatory or delinquency on his report.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 80% below maximum allowed of 95%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been living at current resident for 9 years and 2 months.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
 Complete
0049055300 6.14.21 exception satisfied Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 7 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 74.85 is below guideline maximum of 97.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $31,626.64 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0049055300  6.23.21: exception satisfied (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 7 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 74.85 is below guideline maximum of 97.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $31,626.64 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0049055300 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for the past 7 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 74.85 is below guideline maximum of 97.00.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require no reserves, borrower has $31,626.64 in reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete
0445041765 (No Data) (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  99 months of 0x30 consumer credit history; 24 months required

CFCFS2854: Significant time in profession
- Clayton Comments:  31 years in the XXX

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  43 months of 0x30 mortgage history; 12 months required.
 Complete
0894453004       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 61.58% is 33.42 below the maximum of 95%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $570,957.07 in total assets documented. Effective amount is $570,957.07, with liquid assets of $570,957.07. Cash required to close $472,789.87. Post close reserves are $98,167.20. Reserves required $0. Excess Post-closing reserves of $98,167.20.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has an excellent mortgage history with current mortgage reported 5 months and previous reported 17 months with no late payments.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
 Complete

 

   

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2021-2
Start - End Dates: 1/2020 to 6/2021
Deal Loan Count: 591
   
         
Conditions Report 2.0
         
Loans in Report: 591
Loans with Conditions: 298

 

Issuance Id TRID Indicator Lender Application Date Broker Application Date Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade
0820320884 Yes XXXXXX XXXXXX A A A
0588580161 Yes XXXXXX XXXXXX A A A
0448106681 Yes XXXXXX XXXXXX A A A
0012184588 Yes XXXXXX XXXXXX A A A
0545117571 Yes XXXXXX XXXXXX D A A
0508493137 Yes XXXXXX XXXXXX B B B
0098182298 Yes XXXXXX XXXXXX B B A
0519291206 Yes XXXXXX XXXXXX B B A
0679327661 Yes XXXXXX XXXXXX C B A
0201913754 Yes XXXXXX XXXXXX A A A
0757116660 Yes XXXXXX XXXXXX A A A
0837546803 Yes XXXXXX XXXXXX A A A
0131643972 Yes XXXXXX XXXXXX C A A
0358212409 Yes XXXXXX XXXXXX D A A
0472587491 Yes XXXXXX XXXXXX A A A
0254013856 Yes XXXXXX XXXXXX A A A
0622741649 Yes XXXXXX XXXXXX C B A
0495399448 Yes XXXXXX XXXXXX D A D
0758393035 Yes XXXXXX XXXXXX A A A
0610713429 Yes XXXXXX XXXXXX C B A
0038041422 Yes XXXXXX XXXXXX C A A
0674014055 Yes XXXXXX XXXXXX A A A
0929635416 Yes XXXXXX XXXXXX A A A
0838492108 Yes XXXXXX XXXXXX A A A
0809010456 Yes XXXXXX XXXXXX D D D
0778965382 Yes XXXXXX XXXXXX D B D
0106154913 Yes XXXXXX XXXXXX B B B
0172330528 Yes XXXXXX XXXXXX A A A
0891218827 Yes XXXXXX XXXXXX A A A
0126209341 Yes XXXXXX XXXXXX A A A
0301082076 Yes XXXXXX XXXXXX D B D
0150413610 Yes XXXXXX XXXXXX B B B
0914444373 Yes XXXXXX XXXXXX A A A
0040688627 Yes XXXXXX XXXXXX D B D
0574812078 Yes XXXXXX XXXXXX A A A
0633758396 Yes XXXXXX XXXXXX D B B
0920623679 Yes XXXXXX XXXXXX B B A
0388837049 Yes XXXXXX XXXXXX C B B
0117687586 Yes XXXXXX XXXXXX D B D
0269984181 Yes XXXXXX XXXXXX D B D
0529211534 Yes XXXXXX XXXXXX A A A
0288464659 Yes XXXXXX XXXXXX B B A
0535167039 Yes XXXXXX XXXXXX D A D
0254022778 Yes XXXXXX XXXXXX B B A
0031844398 Yes XXXXXX XXXXXX A A A
0635080304 Yes XXXXXX XXXXXX A A A
0442548067 Yes XXXXXX XXXXXX D A B
0434110359 Yes XXXXXX XXXXXX D A A
0487228757 Yes XXXXXX XXXXXX A A A
0743212371 Yes XXXXXX XXXXXX B B B
0258841540 Yes XXXXXX XXXXXX A A A
0725186963 Yes XXXXXX XXXXXX C B C
0928030793 Yes XXXXXX XXXXXX C A C
0178851134 Yes XXXXXX XXXXXX D A D
0792873939 Yes XXXXXX XXXXXX A A A
0848010461 Yes XXXXXX XXXXXX A A A
0729797904 Yes XXXXXX XXXXXX A A A
0494857682 Yes XXXXXX XXXXXX D A D
0959758176 Yes XXXXXX XXXXXX A A A
0547209102 Yes XXXXXX XXXXXX A A A
0120707620 Yes XXXXXX XXXXXX D A D
0796508911 Yes XXXXXX XXXXXX A A A
0022575858 Yes XXXXXX XXXXXX A A A
0715087597 Yes XXXXXX XXXXXX A A A
0480545617 Yes XXXXXX XXXXXX A A A
0431801517 Yes XXXXXX XXXXXX D B D
0331919724 Yes XXXXXX XXXXXX A A A
0584294334 Yes XXXXXX XXXXXX C A C
0980966817 Yes XXXXXX XXXXXX A A A
0438943043 Yes XXXXXX XXXXXX D B D
0933093587 Yes XXXXXX XXXXXX A A A
0831279813 Yes XXXXXX XXXXXX D A D
0173909637 Yes XXXXXX XXXXXX D A D
0695322307 Yes XXXXXX XXXXXX A A A
0077455091 Yes XXXXXX XXXXXX A A A
0375927908 Yes XXXXXX XXXXXX D B D
0009533626 Yes XXXXXX XXXXXX D A D
0392446292 Yes XXXXXX XXXXXX A A A
0092760959 Yes XXXXXX XXXXXX D A D
0764629216 Yes XXXXXX XXXXXX A A A
0102177349 Yes XXXXXX XXXXXX A A A
0508639361 Yes XXXXXX XXXXXX A A A
0414295895 Yes XXXXXX XXXXXX D A A
0260835396 Yes XXXXXX XXXXXX C A A
0186365678 Yes XXXXXX XXXXXX C B C
0492235807 Yes XXXXXX XXXXXX A A A
0123654606 Yes XXXXXX XXXXXX A A A
0306494604 Yes XXXXXX XXXXXX A A A
0708006725 Yes XXXXXX XXXXXX D A D
0066764686 Yes XXXXXX XXXXXX A A A
0870641261 Yes XXXXXX XXXXXX A A A
0952338784 Yes XXXXXX XXXXXX D A C
0728114734 Yes XXXXXX XXXXXX A A A
0434531605 Yes XXXXXX XXXXXX A A A
0686953526 Yes XXXXXX XXXXXX A A A
0241593406 Yes XXXXXX XXXXXX D A D
0224741345 Yes XXXXXX XXXXXX C A A
0659426002 Yes XXXXXX XXXXXX A A A
0541581629 Yes XXXXXX XXXXXX A A A
0223085060 Yes XXXXXX XXXXXX A A A
0282804636 Yes XXXXXX XXXXXX A A A
0571738197 Yes XXXXXX XXXXXX A A A
0651345487 Yes XXXXXX XXXXXX A A A
0856204471 Yes XXXXXX XXXXXX A A A
0067065325 Yes XXXXXX XXXXXX D A C
0086017308 Yes XXXXXX XXXXXX A A A
0023974316 Yes XXXXXX XXXXXX A A A
0886770136 Yes XXXXXX XXXXXX A A A
0566920875 Yes XXXXXX XXXXXX A A A
0692547296 Yes XXXXXX XXXXXX A A A
0739646999 Yes XXXXXX XXXXXX A A A
0892518122 Yes XXXXXX XXXXXX A A A
0855990320 Yes XXXXXX XXXXXX A A A
0863097390 Yes XXXXXX XXXXXX D A D
0456987251 Yes XXXXXX XXXXXX A A A
0135162164 Yes XXXXXX XXXXXX C B B
0366150419 Yes XXXXXX XXXXXX A A A
0423144110 Yes XXXXXX XXXXXX A A A
0927336176 Yes XXXXXX XXXXXX D A D
0763645713 Yes XXXXXX XXXXXX A A A
0112136396 Yes XXXXXX XXXXXX A A A
0643541381 Yes XXXXXX XXXXXX A A A
0278002870 Yes XXXXXX XXXXXX B B A
0401491488 Yes XXXXXX XXXXXX A A A
0760153847 Yes XXXXXX XXXXXX A A A
0101278171 Yes XXXXXX XXXXXX A A A
0596982956 Yes XXXXXX XXXXXX A A A
0165457615 Yes XXXXXX XXXXXX D A D
0694841605 Yes XXXXXX XXXXXX A A A
0373837482 Yes XXXXXX XXXXXX D A D
0483350993 Yes XXXXXX XXXXXX A A A
0513986387 Yes XXXXXX XXXXXX A A A
0201987277 Yes XXXXXX XXXXXX A A A
0266065367 Yes XXXXXX XXXXXX A A A
0438958127 Yes XXXXXX XXXXXX A A A
0240655264 Yes XXXXXX XXXXXX A A A
0287587008 Yes XXXXXX XXXXXX A A A
0290835161 Yes XXXXXX XXXXXX A A A
0772599191 Yes XXXXXX XXXXXX A A A
0192673727 Yes XXXXXX XXXXXX D A D
0990009519 Yes XXXXXX XXXXXX A A A
0151784710 Yes XXXXXX XXXXXX A A A
0479467036 Yes XXXXXX XXXXXX A A A
0806382502 Yes XXXXXX XXXXXX A A A
0259026149 Yes XXXXXX XXXXXX A A A
0183049945 Yes XXXXXX XXXXXX A A A
0366875787 Yes XXXXXX XXXXXX A A A
0843143985 Yes XXXXXX XXXXXX A A A
0885457732 Yes XXXXXX XXXXXX D A D
0292092984 Yes XXXXXX XXXXXX A A A
0342886936 Yes XXXXXX XXXXXX A A A
0974734103 Yes XXXXXX XXXXXX A A A
0679182838 Yes XXXXXX XXXXXX A A A
0575299486 Yes XXXXXX XXXXXX A A A
0427419014 Yes XXXXXX XXXXXX A A A
0217597786 Yes XXXXXX XXXXXX A A A
0618695614 Yes XXXXXX XXXXXX A A A
0091498416 Yes XXXXXX XXXXXX B B A
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0716764292 Yes XXXXXX XXXXXX A A A
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0268319640 Yes XXXXXX XXXXXX A A A
0335190030 Yes XXXXXX XXXXXX A A A
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0341856517 Yes XXXXXX XXXXXX A A A
0505493829 Yes XXXXXX XXXXXX A A A
0651046526 Yes XXXXXX XXXXXX D A C
0193666342 Yes XXXXXX XXXXXX A A A
0474685692 Yes XXXXXX XXXXXX A A A
0566165254 Yes XXXXXX XXXXXX A A A
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0963551260 Yes XXXXXX XXXXXX A A A
0868378588 Yes XXXXXX XXXXXX A A A
0455541062 Yes XXXXXX XXXXXX A A A
0327618950 Yes XXXXXX XXXXXX A A A
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0288709677 Yes XXXXXX XXXXXX A A A
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0248271897 Yes XXXXXX XXXXXX A A A
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0214265832 Yes XXXXXX XXXXXX A A A
0601450214 Yes XXXXXX XXXXXX A A A
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0885032059 Yes XXXXXX XXXXXX A A A
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0382954381 Yes XXXXXX XXXXXX A A A
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0720293751 Yes XXXXXX XXXXXX A A A
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0194737464 Yes XXXXXX XXXXXX A A A
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0283957997 Yes XXXXXX XXXXXX A A A
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0303775186 Yes XXXXXX XXXXXX A A A
0005756333 Yes XXXXXX XXXXXX A A A
0913265996 Yes XXXXXX XXXXXX A A A
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0682954143 Yes XXXXXX XXXXXX C C A
0661322926 Yes XXXXXX XXXXXX A A A
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0122146500 Yes XXXXXX XXXXXX A A A
0036952216 Yes XXXXXX XXXXXX A A A
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0378720700 Yes XXXXXX XXXXXX A A A
0334642995 Yes XXXXXX XXXXXX C B A
0948423094 Yes XXXXXX XXXXXX A A A
0664624431 Yes XXXXXX XXXXXX A A A
0156283656 Yes XXXXXX XXXXXX C B C
0886849390 Yes XXXXXX XXXXXX A A A
0007593767 Yes XXXXXX XXXXXX A A A
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0555288092 Yes XXXXXX XXXXXX A A A
0336044230 Yes XXXXXX XXXXXX A A A
0502237713 Yes XXXXXX XXXXXX A A A
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0028520480 Yes XXXXXX XXXXXX C A A
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0626862553 Yes XXXXXX XXXXXX A A A
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0684034982 Yes XXXXXX XXXXXX A A A
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0883248173 Yes XXXXXX XXXXXX A A A
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0377987801 Yes XXXXXX XXXXXX A A A
0668038073 Yes XXXXXX XXXXXX A A A
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0285694503 Yes XXXXXX XXXXXX C A A
0359710299 Yes XXXXXX XXXXXX A A A
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0626768246 Yes XXXXXX XXXXXX A A A
0347773002 Yes XXXXXX XXXXXX A A A
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0003629358 Yes XXXXXX XXXXXX A A A
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0277452615 Yes XXXXXX XXXXXX A A A
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0354258234 Yes XXXXXX XXXXXX D A C
0001916532 Yes XXXXXX XXXXXX A A A
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0125999708 Yes XXXXXX XXXXXX A A A
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0145843399 Yes XXXXXX XXXXXX A A A
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0714440546 Yes XXXXXX XXXXXX A A A
0107312288 Yes XXXXXX XXXXXX C A C
0203693628 Yes XXXXXX XXXXXX A A A
0124581653 Yes XXXXXX XXXXXX A A A
0655959136 Yes XXXXXX XXXXXX A A A
0695130158 Yes XXXXXX XXXXXX A A A
0834741138 Yes XXXXXX XXXXXX A A A
0840934590 Yes XXXXXX XXXXXX A A A
0102302067 Yes XXXXXX XXXXXX A A A
0254569153 Yes XXXXXX XXXXXX D A D
0610332675 Yes XXXXXX XXXXXX C B A
0944522541 Yes XXXXXX XXXXXX D A D
0526637156 Yes XXXXXX XXXXXX D A D
0999439564 Yes XXXXXX XXXXXX A A A
0738192318 Yes XXXXXX XXXXXX C B A
0706089732 Yes XXXXXX XXXXXX A A A
0008407277 Yes XXXXXX XXXXXX A A A
0052189509 Yes XXXXXX XXXXXX A A A
0085120810 Yes XXXXXX XXXXXX A A A
0508362329 Yes XXXXXX XXXXXX A A A
0135322330 Yes XXXXXX XXXXXX D A C
0532056183 Yes XXXXXX XXXXXX D D C
0187602012 Yes XXXXXX XXXXXX A A A
0594813973 Yes XXXXXX XXXXXX A A A
0424418039 Yes XXXXXX XXXXXX D B D
0798026357 Yes XXXXXX XXXXXX A A A
0259204378 Yes XXXXXX XXXXXX A A A
0206778522 Yes XXXXXX XXXXXX D A D
0615027031 Yes XXXXXX XXXXXX A A A
0904749615 Yes XXXXXX XXXXXX D B D
0508438439 Yes XXXXXX XXXXXX A A A
0839843287 Yes XXXXXX XXXXXX A A A
0307820324 Yes XXXXXX XXXXXX A A A
0278347053 Yes XXXXXX XXXXXX A A A
0417584346 Yes XXXXXX XXXXXX C A C
0955020382 Yes XXXXXX XXXXXX D A A
0712486094 Yes XXXXXX XXXXXX A A A
0602951807 Yes XXXXXX XXXXXX A A A
0532570720 Yes XXXXXX XXXXXX D A D
0509644251 Yes XXXXXX XXXXXX A A A
0725817485 Yes XXXXXX XXXXXX C B A
0500354977 Yes XXXXXX XXXXXX A A A
0539157210 Yes XXXXXX XXXXXX D A D
0373694927 Yes XXXXXX XXXXXX A A A
0967038512 Yes XXXXXX XXXXXX A A A
0607852354 Yes XXXXXX XXXXXX A A A
0925253437 Yes XXXXXX XXXXXX A A A
0480618722 Yes XXXXXX XXXXXX C B A
0292258996 Yes XXXXXX XXXXXX C B A
0228055841 Yes XXXXXX XXXXXX A A A
0862969807 Yes XXXXXX XXXXXX C B A
0452126388 Yes XXXXXX XXXXXX A A A
0576652586 Yes XXXXXX XXXXXX C B A
0203988167 Yes XXXXXX XXXXXX A A A
0139014788 Yes XXXXXX XXXXXX A A A
0119684901 Yes XXXXXX XXXXXX A A A
0909427592 Yes XXXXXX XXXXXX A A A
0336896779 Yes XXXXXX XXXXXX A A A
0237015007 Yes XXXXXX XXXXXX A A A
0373960484 Yes XXXXXX XXXXXX A A A
0942746849 Yes XXXXXX XXXXXX D B D
0421356645 Yes XXXXXX XXXXXX A A A
0485020513 Yes XXXXXX XXXXXX A A A
0044465397 Yes XXXXXX XXXXXX A A A
0319743302 Yes XXXXXX XXXXXX C B A
0901099369 Yes XXXXXX XXXXXX A A A
0784005698 Yes XXXXXX XXXXXX A A A
0222058765 Yes XXXXXX XXXXXX A A A
0515802355 Yes XXXXXX XXXXXX A A A
0577279602 Yes XXXXXX XXXXXX D A D
0474346046 Yes XXXXXX XXXXXX C A C
0657120136 Yes XXXXXX XXXXXX A A A
0906067716 Yes XXXXXX XXXXXX A A A
0606701493 Yes XXXXXX XXXXXX A A A
0387240338 Yes XXXXXX XXXXXX C B A
0431823489 Yes XXXXXX XXXXXX D B D
0524462167 Yes XXXXXX XXXXXX A A A
0897800098 Yes XXXXXX XXXXXX C B A
0231444317 Yes XXXXXX XXXXXX D A D
0569141585 Yes XXXXXX XXXXXX A A A
0254943815 Yes XXXXXX XXXXXX C A C
0802537181 Yes XXXXXX XXXXXX A A A
0623887584 Yes XXXXXX XXXXXX A A A
0707366502 Yes XXXXXX XXXXXX A A A
0349521848 Yes XXXXXX XXXXXX A A A
0648930079 Yes XXXXXX XXXXXX A A A
0995934431 Yes XXXXXX XXXXXX C B A
0708189054 Yes XXXXXX XXXXXX A A A
0160177443 Yes XXXXXX XXXXXX A A A
0410750723 Yes XXXXXX XXXXXX A A A
0955883072 Yes XXXXXX XXXXXX A A A
0538029168 Yes XXXXXX XXXXXX A A A
0506145879 Yes XXXXXX XXXXXX C B A
0589821713 Yes XXXXXX XXXXXX A A A
0260757255 Yes XXXXXX XXXXXX D A D
0611466873 Yes XXXXXX XXXXXX D A D
0985528745 Yes XXXXXX XXXXXX C B A
0539479621 Yes XXXXXX XXXXXX A A A
0502148546 Yes XXXXXX XXXXXX A A A
0201360021 Yes XXXXXX XXXXXX A A A
0846538997 Yes XXXXXX XXXXXX C B A
0597024332 Yes XXXXXX XXXXXX C B A
0470838100 Yes XXXXXX XXXXXX A A A
0605494655 Yes XXXXXX XXXXXX C B A
0393591109 Yes XXXXXX XXXXXX A A A
0008082144 Yes XXXXXX XXXXXX A A A
0208346613 Yes XXXXXX XXXXXX A A A
0264290194 Yes XXXXXX XXXXXX D B D
0305475092 Yes XXXXXX XXXXXX A A A
0276219696 Yes XXXXXX XXXXXX A A A
0604242770 Yes XXXXXX XXXXXX A A A
0923445210 Yes XXXXXX XXXXXX A A A
0297164973 Yes XXXXXX XXXXXX A A A
0872939806 Yes XXXXXX XXXXXX A A A
0223946318 Yes XXXXXX XXXXXX A A A
0399305646 Yes XXXXXX XXXXXX A A A
0498957063 Yes XXXXXX XXXXXX C C A
0337034660 Yes XXXXXX XXXXXX A A A
0804783456 Yes XXXXXX XXXXXX A A A
0666449883 Yes XXXXXX XXXXXX C B A
0290157694 Yes XXXXXX XXXXXX A A A
0392133211 Yes XXXXXX XXXXXX C B A
0619639671 Yes XXXXXX XXXXXX C B A
0076016747 Yes XXXXXX XXXXXX C B A
0475972658 Yes XXXXXX XXXXXX A A A
0096223028 Yes XXXXXX XXXXXX A A A
0011063044 Yes XXXXXX XXXXXX A A A
0539799880 Yes XXXXXX XXXXXX C B A
0470445477 Yes XXXXXX XXXXXX D A D
0200734723 Yes XXXXXX XXXXXX A A A
0039178981 Yes XXXXXX XXXXXX A A A
0393724803 Yes XXXXXX XXXXXX C A A
0056616051 Yes XXXXXX XXXXXX C B C
0715549074 Yes XXXXXX XXXXXX A A A
0697056833 Yes XXXXXX XXXXXX D A D
0483497035 Yes XXXXXX XXXXXX B B A
0378744003 Yes XXXXXX XXXXXX A A A
0253830615 Yes XXXXXX XXXXXX C B A
0102222728 Yes XXXXXX XXXXXX A A A
0296031092 Yes XXXXXX XXXXXX B B A
0865048753 Yes XXXXXX XXXXXX B B A
0013051947 Yes XXXXXX XXXXXX C B A
0584947318 Yes XXXXXX XXXXXX B B A
0783768426 Yes XXXXXX XXXXXX D A C
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0528031847 Yes XXXXXX XXXXXX A A A
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0493866162 Yes XXXXXX XXXXXX A A A
0489650290 Yes XXXXXX XXXXXX A A A
0904365024 Yes XXXXXX XXXXXX C A C
0195798214 Yes XXXXXX XXXXXX D B D
0443429393 Yes XXXXXX XXXXXX B B A
0657134865 Yes XXXXXX XXXXXX D A D
0972784965 Yes XXXXXX XXXXXX D A D
0978367298 Yes XXXXXX XXXXXX D B D
0763791921 Yes XXXXXX XXXXXX A A A
0346592089 Yes XXXXXX XXXXXX C A A
0159519383 Yes XXXXXX XXXXXX A A A
0301067553 Yes XXXXXX XXXXXX A A A
0949119335 Yes XXXXXX XXXXXX B B A
0472239931 Yes XXXXXX XXXXXX A A A
0084136453 Yes XXXXXX XXXXXX A A A
0102786619 Yes XXXXXX XXXXXX A A A
0968355697 Yes XXXXXX XXXXXX A A A
0826978741 Yes XXXXXX XXXXXX D A C
0814000065 Yes XXXXXX XXXXXX C B A
0474016973 Yes XXXXXX XXXXXX C A A
0563213415 Yes XXXXXX XXXXXX A A A
0686190531 Yes XXXXXX XXXXXX D A D
0538142765 Yes XXXXXX XXXXXX A A A
0165069423 Yes XXXXXX XXXXXX A A A
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0490524689 Yes XXXXXX XXXXXX A A A
0849548982 Yes XXXXXX XXXXXX A A A
0042321818 Yes XXXXXX XXXXXX A A A
0732783118 Yes XXXXXX XXXXXX B B A
0538679763 Yes XXXXXX XXXXXX A A A
0586193226 Yes XXXXXX XXXXXX A A A
0329249644 Yes XXXXXX XXXXXX A A A
0182560641 Yes XXXXXX XXXXXX A A A
0353726905 Yes XXXXXX XXXXXX A A A
0825535579 Yes XXXXXX XXXXXX D A C
0106334867 Yes XXXXXX XXXXXX A A A
0276082984 Yes XXXXXX XXXXXX A A A
0521022519 Yes XXXXXX XXXXXX A A A
0832806832 Yes XXXXXX XXXXXX D B D
0932747421 Yes XXXXXX XXXXXX B B A
0509487373 Yes XXXXXX XXXXXX A A A
0790784827 Yes XXXXXX XXXXXX A A A
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0213036723 Yes XXXXXX XXXXXX A A A
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0115690432 Yes XXXXXX XXXXXX B B A
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0442627359 Yes XXXXXX XXXXXX A A A
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0450188967 Yes XXXXXX XXXXXX A A A
0348817876 Yes XXXXXX XXXXXX D A D
0686642224 Yes XXXXXX XXXXXX C A C
0628933297 Yes XXXXXX XXXXXX C B B
0354997269 Yes XXXXXX XXXXXX C A A
0584321371 Yes XXXXXX XXXXXX A A A
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0807088747 Yes XXXXXX XXXXXX C A A
0401038054 Yes XXXXXX XXXXXX A A A
0009390784 Yes XXXXXX XXXXXX B B B
0409146264 Yes XXXXXX XXXXXX A A A
0977150090 Yes XXXXXX XXXXXX A A A
0308309460 Yes XXXXXX XXXXXX A A A
0996276427 Yes XXXXXX XXXXXX C B A
0794712026 Yes XXXXXX XXXXXX B B A
0487473372 Yes XXXXXX XXXXXX A A A
0311516659 Yes XXXXXX XXXXXX A A A
0309444400 Yes XXXXXX XXXXXX D A C
0902151841 Yes XXXXXX XXXXXX C A A
0794013825 Yes XXXXXX XXXXXX A A A
0902974675 Yes XXXXXX XXXXXX A A A
0835404285 Yes XXXXXX XXXXXX A A A
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0217768633 Yes XXXXXX XXXXXX A A A
0910472369 Yes XXXXXX XXXXXX C B A
0724931646 Yes XXXXXX XXXXXX A A A
0850428764 Yes XXXXXX XXXXXX A A A
0296720472 Yes XXXXXX XXXXXX A A A
0397187574 Yes XXXXXX XXXXXX A A A
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0792909006 Yes XXXXXX XXXXXX A A A
0856680031 Yes XXXXXX XXXXXX A A A
0664375748 Yes XXXXXX XXXXXX A A A
0693688796 Yes XXXXXX XXXXXX B B A
0007408302 Yes XXXXXX XXXXXX D A A
0995513901 Yes XXXXXX XXXXXX A A A
0049031123 Yes XXXXXX XXXXXX A A A
0004213081 Yes XXXXXX XXXXXX A A A
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0976820962 Yes XXXXXX XXXXXX A A A
0222181693 Yes XXXXXX XXXXXX D B C
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0186077186 Yes XXXXXX XXXXXX A A A
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0225945982 Yes XXXXXX XXXXXX C B A
0210212786 Yes XXXXXX XXXXXX A A A
0597379611 Yes XXXXXX XXXXXX B B A
0406639347 Yes XXXXXX XXXXXX A A A
0611632967 Yes XXXXXX XXXXXX D B D
0143166631 Yes XXXXXX XXXXXX C B C
0981694492 Yes XXXXXX XXXXXX A A A
0655513132 Yes XXXXXX XXXXXX A A A
0003806968 Yes XXXXXX XXXXXX A A A
0363248524 Yes XXXXXX XXXXXX D A D
0226111547 Yes XXXXXX XXXXXX A A A
0479414942 Yes XXXXXX XXXXXX A A A
0657287070 Yes XXXXXX XXXXXX D A D
0283469299 Yes XXXXXX XXXXXX B B A
0431651477 Yes XXXXXX XXXXXX A A A
0229788637 Yes XXXXXX XXXXXX A A A
0592905580 Yes XXXXXX XXXXXX A A A
0052345282 Yes XXXXXX XXXXXX A A A
0442942295 Yes XXXXXX XXXXXX A A A
0760347125 Yes XXXXXX XXXXXX A A A
0274440816 Yes XXXXXX XXXXXX A A A
0781452192 Yes XXXXXX XXXXXX A A A
0254631601 Yes XXXXXX XXXXXX A A A
0948574264 Yes XXXXXX XXXXXX A A A
0414829830 Yes XXXXXX XXXXXX B B A
0119890972 Yes XXXXXX XXXXXX B B A
0135301233 Yes XXXXXX XXXXXX A A A
0987792964 Yes XXXXXX XXXXXX A A A
0671548283 Yes XXXXXX XXXXXX D B A
0712208302 Yes XXXXXX XXXXXX A A A
0556655652 Yes XXXXXX XXXXXX C B A
0333599636 Yes XXXXXX XXXXXX A A A
0124049247 Yes XXXXXX XXXXXX A A A
0070250346 Yes XXXXXX XXXXXX A A A
0216907128 Yes XXXXXX XXXXXX D A D
0574237189 Yes XXXXXX XXXXXX A A A
0783687948 Yes XXXXXX XXXXXX B B A
0423064695 Yes XXXXXX XXXXXX D A A
0893901140 Yes XXXXXX XXXXXX D A C
0940694353 Yes XXXXXX XXXXXX C B A
0604044409 Yes XXXXXX XXXXXX A A A
0510533426 Yes XXXXXX XXXXXX C A A
0440403424 Yes XXXXXX XXXXXX D A A
0371628236 Yes XXXXXX XXXXXX A A A
0049055300 Yes XXXXXX XXXXXX C C A
0445041765 Yes XXXXXX XXXXXX B B A
0894453004 Yes XXXXXX XXXXXX A A A

 

Issuance Id Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade
0820320884 A A A A A A A
0588580161 A A A A A A A
0448106681 A A A A A A A
0012184588 A A A A A A A
0545117571 A A A D A D A
0508493137 B A A A A B B
0098182298 A A A B B B B
0519291206 A A A B B B B
0679327661 A A A C B C B
0201913754 A A A A A A A
0757116660 A A A A A A A
0837546803 A A A A A A A
0131643972 A A A C A C A
0358212409 A D A A A D A
0472587491 A A A A A A A
0254013856 A A A A A A A
0622741649 A A A C B C B
0495399448 A A A C A D A
0758393035 A A A A A A A
0610713429 A C B C A C A
0038041422 A A A C A C A
0674014055 A A A A A A A
0929635416 A A A A A A A
0838492108 A A A A A A A
0809010456 D C A D D D D
0778965382 B A A D A D B
0106154913 B B B A A B B
0172330528 A A A A A A A
0891218827 A A A A A A A
0126209341 A A A A A A A
0301082076 B A A D A D B
0150413610 B A A B B B B
0914444373 A A A A A A A
0040688627 B B B C A D B
0574812078 A A A A A A A
0633758396 B D B A A D B
0920623679 A B B A A B B
0388837049 B B B C A C B
0117687586 B B B D A D B
0269984181 A A A B B D B
0529211534 A A A A A A A
0288464659 A B B A A B B
0535167039 A A A B A D A
0254022778 A B B A A B B
0031844398 A A A A A A A
0635080304 A A A A A A A
0442548067 A A A D A D A
0434110359 A D A A A D A
0487228757 A A A A A A A
0743212371 B A A A A B B
0258841540 A A A A A A A
0725186963 A A A C B C B
0928030793 A A A C A C A
0178851134 A A A C A D A
0792873939 A A A A A A A
0848010461 A A A A A A A
0729797904 A A A A A A A
0494857682 A A A D A D A
0959758176 A A A A A A A
0547209102 A A A A A A A
0120707620 A A A A A D A
0796508911 A A A A A A A
0022575858 A A A A A A A
0715087597 A A A A A A A
0480545617 A A A A A A A
0431801517 A A A D B D B
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0894453004 A A A A A A A

 

Issuance Id Initial S&P Credit Loan Grade Final S&P Credit Loan Grade Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Did Lender Acknowledge Exception at Origination
0820320884 A A A A A A Not Applicable
0588580161 A A A A A A Not Applicable
0448106681 A A A A A A No
0012184588 A A A A A A Not Applicable
0545117571 A A A A D A No
0508493137 B B A A A A Not Applicable
0098182298 A A A A B B No
0519291206 A A A A B B Not Applicable
0679327661 A A A A C B No
0201913754 A A A A A A No
0757116660 A A A A A A Not Applicable
0837546803 A A A A A A Not Applicable
0131643972 A A A A C A Not Applicable
0358212409 A A D A A A Not Applicable
0472587491 A A A A A A Not Applicable
0254013856 A A A A A A Not Applicable
0622741649 A A A A C B Not Applicable
0495399448 D A A A C A No
0758393035 A A A A A A Not Applicable
0610713429 A A C A C A Not Applicable
0038041422 A A A A C A No
0674014055 A A A A A A Not Applicable
0929635416 A A A A A A No
0838492108 A A A A A A Not Applicable
0809010456 D D C A D D No
0778965382 D B A A D A Yes
0106154913 B B B B A A Yes
0172330528 A A A A A A No
0891218827 A A A A A A No
0126209341 A A A A A A No
0301082076 D B A A D A Yes
0150413610 B B A A B B Yes
0914444373 A A A A A A No
0040688627 D B B B C A No
0574812078 A A A A A A No
0633758396 B B D B A A Yes
0920623679 A A B B A A No
0388837049 B B B B C A Yes
0117687586 D B B B D A Yes
0269984181 D A A A B B No
0529211534 A A A A A A No
0288464659 A A B B A A No
0535167039 D A A A B A No
0254022778 A A B B A A No
0031844398 A A A A A A No
0635080304 A A A A A A Not Applicable
0442548067 B A A A D A No
0434110359 A A D A A A Not Applicable
0487228757 A A A A A A Not Applicable
0743212371 B B A A A A Yes
0258841540 A A A A A A No
0725186963 C A A A C B No
0928030793 C A A A C A No
0178851134 D A A A C A No
0792873939 A A A A A A No
0848010461 A A A A A A Not Applicable
0729797904 A A A A A A Not Applicable
0494857682 D A A A D A No
0959758176 A A A A A A Not Applicable
0547209102 A A A A A A No
0120707620 D A A A A A Not Applicable
0796508911 A A A A A A No
0022575858 A A A A A A Not Applicable
0715087597 A A A A A A Not Applicable
0480545617 A A A A A A Not Applicable
0431801517 D A A A D B No
0331919724 A A A A A A Not Applicable
0584294334 C A A A A A Not Applicable
0980966817 A A A A A A Not Applicable
0438943043 D B C A A A Yes
0933093587 A A A A A A Not Applicable
0831279813 D A A A A A No
0173909637 D A A A D A No
0695322307 A A A A A A Not Applicable
0077455091 A A A A A A No
0375927908 D B A A A A No
0009533626 D A C A A A Not Applicable
0392446292 A A A A A A Not Applicable
0092760959 D A A A A A Not Applicable
0764629216 A A A A A A No
0102177349 A A A A A A No
0508639361 A A A A A A No
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0260835396 A A C A A A Not Applicable
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