EX-99.6 29 ex99-6s2.htm SCHEDULE 2 - REBUTTAL FINDINGS REPORT

 

MORGAN STANLEY CAPITAL I INC. ABS-15G

Exhibit 99.6 - Schedule 2

 

Loan ID Loan Number Finding # Last Name Note Date Audit Category Audit Issue Finding ID Exception Finding Remediation Status Exception Rebuttal Exception Response Status Comment Compensating Factors Initial Findings Grade Final Findings Grade Initial Loan Grade Final Loan Grade
6980103 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
6980103 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
6980103 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
7024212 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
7024212 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
7024212 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
7024236 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
7024236 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
7024236 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.           1 1 1 1
8062089 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8062089 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8062089 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8062042 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8062042 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8062042 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8157384 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8157384 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8157384 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.           1 1 1 1
8157344 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8157344 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8157344 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8157341 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8157341 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8157341 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8157371 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8157371 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8157371 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.           1 1 1 1
8198691 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8198691 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8198691 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion ofvalue in the origination report.           1 1 1 1
8409437 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409437 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409437 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8379174 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379174 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379174 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8198692 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8198692 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8198692 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion ofvalue in the origination report.           1 1 1 1
8157356 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8157356 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8157356 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8157340 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8157340 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8157340 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.           1 1 1 1
8379169 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 3 1
8379169 XXXX 2 of 3 XXXX XX/XX/XXXX Credit Assets - Cash to Close XXXX Assets were required in the amount of $XXXX ($XXXX funds to close + $XXXX reserves). The application and underwriter approval indicate assets were verified in XX Bank acct #XXXX for $XXXX. However, asset documentation is missing from the file. Resolved Rebuttal 1 (XX/XX/XXXX X:XXPM)
Provided Assets

 Response 1 (XX/XX/XXXX X:XXAM)
Asset documentation received is sufficient. (Resolved)

     3 1 3 1
8379169 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 3 1
8198699 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8198699 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8198699 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.           1 1 1 1
8191390 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8191390 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8191390 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA, dated XX/XX/XXXX, supported the appraised value.           1 1 1 1
8191360 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8191360 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8191360 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.           1 1 1 1
8198687 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 3 1
8198687 XXXX 2 of 3 XXXX XX/XX/XXXX Credit Verification Documentation - VOE Self-Employed/Missing XXXX Guidelines indicates underwriter to re-verify the entity’s good standing status directly through the Secretary of states. The proof of good standing will expire simultaneously with the underwriting approval expiration, or within 30 days, whichever is greater. The file contains the business search verified through XXXX sos website; however, underwriter good standing is missing. The file is also missing proof of EIN and articles of Organization from purchasing entity. Resolved Rebuttal 1 (XX/XX/XXXX X:XXPM)
Documentation uploaded.

 Response 1 (XX/XX/XXXX X:XXPM)
Documentation received is sufficient. (Resolved)

     3 1 3 1
8198687 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.           1 1 3 1
8198663 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8198663 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8198663 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8198679 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8198679 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8198679 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8198673 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8198673 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8198673 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.           1 1 1 1
8409459 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 3 2
8409459 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 3 2
8409459 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is not supported within 10% of original appraisal amount XXXX The appraised value was not supported within 10% of the original appraisal amount. A CDA was provided which did not support the appraised value. Resolved Rebuttal 1 (XX/XX/XXXX X:XXAM)
Provided Recon

 Response 1 (XX/XX/XXXX X:XXPM)
Recon received is sufficient to resolve at an EV2. (Resolved)

     3 2 3 2
8409469 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409469 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409469 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8379175 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379175 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379175 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8379181 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379181 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379181 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8379168 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379168 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379168 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8409446 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409446 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409446 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8379195 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379195 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379195 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8409450 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409450 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409450 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.           1 1 1 1
8409439 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409439 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409439 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.           1 1 1 1
8409440 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409440 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409440 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8409475 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409475 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409475 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.           1 1 1 1
8409481 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409481 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409481 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8409461 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance HUD1 - Not Final XXXX It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A Resolved Rebuttal 1 (XX/XX/XXXX X:XXAM)
Provided Final (Signed) HUD

 Response 1 (XX/XX/XXXX X:XXPM)
The documentation provided is sufficient to cure the finding. (Resolved)

     2 1 2 1
8409461 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 2 1
8409461 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.           1 1 2 1
8379209 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379209 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379209 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8409502 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409502 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409502 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8409488 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 3 2
8409488 XXXX 2 of 3 XXXX XX/XX/XXXX Credit DSCR - Missing Entity Documentation XXXX The loan file is missing the certificate of good standing obtained by the underwriter. The file only contains the processor's certificate of good standing dated XX/XX/XXXX which is over 30 days from the Note date XX/XX/XXXX. Resolved Rebuttal 1 (XX/XX/XXXX X:XXPM)
Provided Proof of Good Standing

 Response 1 (XX/XX/XXXX X:XXPM)
Document provided as required. (Resolved)

     3 1 3 2
8409488 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is not supported within 10% of original appraisal amount XXXX A CDA was provided which did not support the appraised value. A reconciliation report was provided of the appraisal and CDA which did not support the appraised value. Therefore, per the lender's guidelines, the lower value from the reconciliation has been used for the lending value. This is rated EV2 for valuation exception. Acknowledged         2 2 3 2
8409454 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409454 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409454 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8996929 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996929 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996929 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8379170 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379170 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379170 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA dated XX/XX/XXXX provided supports original appraised value.           1 1 1 1
8409504 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409504 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409504 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8409455 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409455 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409455 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8379202 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379202 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379202 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8379211 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379211 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379211 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8379205 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379205 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379205 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8379217 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379217 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379217 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8379210 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379210 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379210 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8379223 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379223 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379223 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8379179 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379179 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379179 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8409490 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409490 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409490 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8379183 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 3 1
8379183 XXXX 2 of 3 XXXX XX/XX/XXXX Credit Appraisal - Repairs XXXX Per the Executive Approval, the borrower provided required photos showing handrails to 2nd level from front entrance area were installed. The file is missing the required documentation. Resolved Rebuttal 1 (XX/XX/XXXX X:XXPM)
Provided Improvement Photo

Rebuttal 2 (XX/XX/XXXX X:XXPM)
Provided Repair Photo

 Response 1 (XX/XX/XXXX X:XXPM)
Referenced documentation not received. (Upheld)

Response 2 (XX/XX/XXXX X:XXPM)
Documentation received is sufficient. (Resolved)

     3 1 3 1
8379183 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 3 1
8379188 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379188 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379188 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8379224 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379224 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379224 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8379198 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379198 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379198 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8409517 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409517 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409517 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8379230 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379230 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379230 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8379203 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379203 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379203 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8379213 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379213 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379213 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8379216 XXXX 1 of 4 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 3 1
8379216 XXXX 2 of 4 XXXX XX/XX/XXXX Credit Assets - Bank Statements XXXX The Plaid Asset Report for XXXX Certificate of Deposit with a balance of $XXXX. is missing pages 1 and 2. Please provide missing pages. Resolved Rebuttal 1 (XX/XX/XXXX X:XXPM)
Provided Asset Statement

 Response 1 (XX/XX/XXXX X:XXPM)
Asset documentation received is sufficient. (Resolved)

     3 1 3 1
8379216 XXXX 3 of 4 XXXX XX/XX/XXXX Credit Condo - Documentation XXXX The Master Policy and Resale Disclosure Certificate for subject condominium project are partially illegible. Please provide a legible copy of both documents. Resolved Rebuttal 1 (XX/XX/XXXX X:XXPM)
Provided Master Policy and Certificate of Liability Insurance

 Response 1 (XX/XX/XXXX X:XXPM)
Documentation received is sufficient. (Resolved)

     3 1 3 1
8379216 XXXX 4 of 4 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 3 1
8379201 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379201 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379201 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8379212 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379212 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379212 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value.           1 1 1 1
8379214 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379214 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379214 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8409495 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409495 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409495 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8409496 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 3 1
8409496 XXXX 2 of 3 XXXX XX/XX/XXXX Credit DSCR - Missing Entity Documentation XXXX The Underwriter's verification of the entity's status is not completely legible, missing date verified. Resolved Rebuttal 1 (XX/XX/XXXX X:XXPM)
Provided Proof of Good Standing

 Response 1 (XX/XX/XXXX X:XXAM)
Document provided. (Resolved)

     3 1 3 1
8409496 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the original appraised value.           1 1 3 1
8379199 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379199 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379199 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8379221 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 3 1
8379221 XXXX 2 of 3 XXXX XX/XX/XXXX Credit Appraisal - Other XXXX The CDA provided is not completely legible, missing pertinent information. Resolved Rebuttal 1 (XX/XX/XXXX X:XXPM)
Provided CDA

 Response 1 (XX/XX/XXXX X:XXPM)
Documentation received is sufficient. (Resolved)

     3 1 3 1
8379221 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 3 1
8409508 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8409508 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8409508 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports value.           1 1 1 1
8379227 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379227 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379227 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8996961 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996961 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996961 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8379222 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8379222 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8379222 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8996947 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 3 1
8996947 XXXX 2 of 3 XXXX XX/XX/XXXX Credit Credit Report - Other XXXX The credit report provided is missing credit scores from Equifax, Experian, and Transunion. Resolved Rebuttal 1 (XX/XX/XXXX X:XXPM)
Provided Credit Report

 Response 1 (XX/XX/XXXX X:XXPM)
Documentation received is sufficient. (Resolved)

     3 1 3 1
8996947 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 3 1
8996953 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996953 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996953 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8996945 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996945 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996945 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8996966 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996966 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996966 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8996941 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996941 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996941 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8996931 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996931 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996931 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value.           1 1 1 1
8996942 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996942 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996942 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8996950 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996950 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996950 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8996952 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996952 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996952 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8996962 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996962 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996962 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8996948 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996948 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996948 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8996934 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996934 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996934 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8996949 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996949 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996949 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8996946 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996946 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996946 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8996956 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996956 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996956 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8996957 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996957 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996957 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8996958 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 3 1
8996958 XXXX 2 of 3 XXXX XX/XX/XXXX Credit Hazard Insurance - Missing/Insufficient XXXX Subject is located in a flood zone. The loan file is missing the Flood Insurance Policy. Resolved Rebuttal 1 (XX/XX/XXXX X:XXPM)
Provided Flood Insurance

 Response 1 (XX/XX/XXXX X:XXAM)
Documentation received is sufficient. (Resolved)

     3 1 3 1
8996958 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 3 1
8996959 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996959 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996959 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8996944 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996944 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996944 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value.           1 1 1 1
8996939 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996939 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996939 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
8996963 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 1 1
8996963 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.           1 1 1 1
8996963 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.           1 1 1 1
6994273 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance No Compliance Findings XXXX The loan is in compliance with all applicable laws and regulations.           1 1 2 2
6994273 XXXX 2 of 3 XXXX XX/XX/XXXX Credit DSCR - Program Parameters - Other XXXX Guideline requirement has not been met. Lender Exception provided for insufficient Rent loss coverage; reserves used to supplement. Determined non-material based on compensating factors (waived). Waived       Compensating Factors: XX% LTV, XX months PITI Reserves, experienced investor 2 2 2 2
6994273 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX That supports the appraised value.           1 1 2 2