EX-99.7 51 ex997s3.htm SCHEDULE 3 - STONEHILL RATING AGENCY GRADES DETAIL REPORT

 

Vista Point Assets LLC ABS-15G

Exhibit 99.7 - Schedule 3

 

Loan ID Seller Loan ID Marketing ID Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Current/Final Loan Grade Compliance Initial Loan Grade Compliance Current/Final Loan Grade Property Initial Loan Grade Property Current/Final Loan Grade Queue Finding Code Date Created Date Modified Finding Status Event Level Initial Finding Grade Current/Final Finding Grade Finding Category Finding Sub Category Finding Name Finding Comments Seller Comments Resolution Comments Reviewer Comp Factor Originator Comp Factors Finding Documents Originator QM Status Final Reviewed QM Status Loan Amount Property State Occupancy Loan Purpose Refinance Purpose Acknowledged / WaivedBy Waiver in File?
REDACTED   88564383 A A A A A A A A             A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   83415561 D A D A D A C A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
Resolved-Mortgage statement received, lender qualified first lien I/O payment max 45% DTI per guidelines. DTI within requirements. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. mortgage stmt for REDACTED  - Seller-REDACTED
Open-Mortgage statement page 257/501 is not within 60 days of note date.  Updated first mortgage statement required. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. mortgage stmt for REDACTED  - Seller-REDACTED
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
 Resolved-Mortgage statement received, lender qualified first lien I/O payment max 45% DTI per guidelines. DTI within requirements. - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83415561 D A D A D A C A Closed FVAL9739 REDACTED REDACTED Resolved 1 - Information C A Property Appraisal Property/Appraisal General Resolved-1004D verifying subject property repair received - Due Diligence Vendor-REDACTED  
Ready for Review-Document Uploaded. See attached 1004D  - Seller-REDACTED
Counter-The functional utility adjustment does not resolve the finding. Evidence of repair required. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Updated appraisal attached - see page 13 under NOTE - Seller-REDACTED
Open-Property cost to cure per appraisal is REDACTED . Evidence of property completion required. - Page 13/82 - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. See attached 1004D  - Seller-REDACTED
 Ready for Review-Document Uploaded. Updated appraisal attached - see page 13 under NOTE - Seller-REDACTED
Resolved-1004D verifying subject property repair received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83415561 D A D A D A C A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED  
Ready for Review-Document Uploaded. COC completed on REDACTED  for loan relock, loan amt change & value change - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THERE WAS NO LOAN ORIGINATION FEE DISCLOSED ON THE INITIAL LE.  A LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF $REDACTED  ON THE FINAL CD.  A COLLATERAL DESKTOP ANALYSIS FEE WAS DISCLOSED AS REDACTED  ON THE INITIAL LE.  THE COLLATERAL DESKTOP ANALYSIS FEE INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR  REIMBURSEMENT WAS  LOCATED IN THE FILE - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. COC completed on REDACTED  for loan relock, loan amt change & value change - Seller-REDACTED
Resolved-COC received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83415561 D A D A D A C A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. COC attached for loan relock, loan amt change & value change - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THERE WAS NO LOAN ORIGINATION FEE DISCLOSED ON THE INITIAL LE.  A LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED  ON THE FINAL CD.  A COLLATERAL DESKTOP ANALYSIS FEE WAS DISCLOSED AS REDACTED  ON THE INITIAL LE.  THE COLLATERAL DESKTOP ANALYSIS FEE INCREASED TO REDACTED  ON THE FINAL CD.  NO COC OR  REIMBURSEMENT WAS  LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. COC attached for loan relock, loan amt change & value change - Seller-REDACTED
Resolved-COC received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83415561 D A D A D A C A Closed FCOM1477 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Missing evidence of rate lock Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. See attached lock confirmation - Seller-REDACTED  
Open-Evidence of Rate Lock Missing Evidence of Rate was located in the file during review. Evidence of Rate Lock Missing. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. See attached lock confirmation - Seller-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   87580175 C A A A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED  
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THERE WAS NO LOAN ORIGINATION FEE DISCLOSED ON THE INITIAL LE.  A LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED  ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-COC received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87580175 C A A A C A A A Closed finding-3635 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (REDACTED ) exceed the comparable charges (REDACTED ) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). THE RECORDING FEE WAS DISCLOSED AS REDACTED  ON THE INITIAL LE.  THE RECORDING FEE INCREASED TO REDACTED  ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-COC received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87580175 C A A A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THERE WAS NO LOAN ORIGINATION FEE DISCLOSED ON THE INITIAL LE.  A LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED  ON THE FINAL CD.  THE RECORDING FEE WAS DISCLOSED AS REDACTED  ON THE INITIAL LE.  THE RECORDING FEE INCREASED TO REDACTED  ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-COC received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85557367 D A D A C A A A Closed finding-3352 REDACTED REDACTED Resolved 1 - Information A A Compliance Points & Fees Higher-Priced Mortgage Loan Test Resolved-Loan qualifies as QM rebuttable presumption - Due Diligence Vendor-REDACTED
Rescinded-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. THIS IS A NON QM LOAN - Due Diligence Vendor-REDACTED 		   Resolved-Loan qualifies as QM rebuttable presumption - Due Diligence Vendor-REDACTED
 Rescinded-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. THIS IS A NON QM LOAN - Due Diligence Vendor-REDACTED
      Non-QM: Lender documented all ATR UW factors QM: Rebuttable Presumption DTI (DTI RP) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   85557367 D A D A C A A A Closed FCRE5783 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 Gap Credit Report is Missing Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED  
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 2 Gap Credit Report is Missing Missing Gap credit report required by Guidelines dated REDACTED . - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors QM: Rebuttable Presumption DTI (DTI RP) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   85557367 D A D A C A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing Missing Gap credit report required by Guidelines dated REDACTED . - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors QM: Rebuttable Presumption DTI (DTI RP) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   85557367 D A D A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-LE Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THE RE-DISCLOSED LOAN ESTIMATE (LE)  DATED REDACTED IS MISSING FROM THE LOAN FILE. PLEASE NOTE, THERE IS A CHANGE OF CIRCUMSTANCE ON PAGE REDACTED  THAT ADDRESSES THE INCREASE FOR THE LOAN DISCOUNT POINTS AND A DISCLOSURE TRACKER ON PAGE REDACTED , INDICATING A REVISED LOAN ESTIMATE WAS MAILED ONREDACTED ; HOWEVER THE LE DATED REDACTED  IS NOT IN THE LOAN FILE WHICH IS CAUSING THE TOLERANCE VIOLATION.  - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-LE Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors QM: Rebuttable Presumption DTI (DTI RP) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   85557367 D A D A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-LE Received - Due Diligence Vendor-REDACTED  
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THE RE-DISCLOSED LOAN ESTIMATE (LE)  DATED REDACTED  IS MISSING FROM THE LOAN FILE. PLEASE NOTE, THERE IS A CHANGE OF CIRCUMSTANCE ON PAGE REDACTED  THAT ADDRESSES THE INCREASE FOR THE LOAN DISCOUNT POINTS AND A DISCLOSURE TRACKER ON PAGE REDACTED , INDICATING A REVISED LOAN ESTIMATE WAS MAILED ON REDACTED ; HOWEVER THE LE DATED REDACTED  IS NOT IN THE LOAN FILE WHICH IS CAUSING THE TOLERANCE VIOLATION.  - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-LE Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors QM: Rebuttable Presumption DTI (DTI RP) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   80007232 C B C B A A A A Closed FCRE1441 REDACTED REDACTED Acknowledged 2 - Non-Material C B Credit Eligibility Delinquent Credit History Does Not Meet Guideline Requirements Acknowledged-Allow open collection at the time of closing. Proof of payment outside closing required. (Received proof of payment) - Due Diligence Vendor-REDACTED  
Ready for Review-Document Uploaded. Hi,
We made an exception for this. Please see attached.
Thanks! - Buyer-REDACTED
Open-Delinquent Credit History Does Not Meet Guideline Requirements Collection - REDACTED - reflects an amount of REDACTED  and was not paid at closing per final CD. Collection required to be paid at or prior to closing per guidelines. The collection account for the Borrower was above the REDACTED  allowed per guidelines.  - Due Diligence Vendor-REDACTED 		   Acknowledged-Allow open collection at the time of closing. Proof of payment outside closing required. (Received proof of payment) - Due Diligence Vendor-REDACTED
  REDACTED  REDACTED Non-QM: Lender documented all ATR UW factors QM: Rebuttable Presumption DTI (DTI RP) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation Originator Post-Close Yes
REDACTED   80007232 C B C B A A A A Closed FCRE8201 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Loan does not conform to program guidelines Resolved-Loan qualifies as HPML QM Rebuttable Presumption. APOR is within tolerance, ATR verified.  - Due Diligence Vendor-REDACTED
Open-Loan is a HPML per TPR compliance testing and per lender REDACTED in file.  HPML requires a full 1004 appraisal & appraisal delivery.  Valuation in file is REDACTED.   - Due Diligence Vendor-REDACTED 		   Resolved-Loan qualifies as HPML QM Rebuttable Presumption. APOR is within tolerance, ATR verified.  - Due Diligence Vendor-REDACTED
      Non-QM: Lender documented all ATR UW factors QM: Rebuttable Presumption DTI (DTI RP) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83692622 D B C A D A B B Closed FVAL5524 REDACTED REDACTED Acknowledged 2 - Non-Material B B Property Property Ineligible Property Acknowledged-Waiver in file for approval of property at REDACTED  acres/rural.  - Due Diligence Vendor-REDACTED    Acknowledged-Waiver in file for approval of property at REDACTED  acres/rural.  - Due Diligence Vendor-REDACTED
  REDACTED    Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance No Cash Out - Borrower Initiated Originator Post-Close Yes
REDACTED   83692622 D B C A D A B B Closed FCOM1221 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc The Deed of Trust is Incomplete Resolved-Document Uploaded. Affidavit of Correction received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Document Uploaded.  - Due Diligence Vendor-REDACTED
Open-DOT (REDACTED) indicates a purchase money deed of trust. Loan is a home equity second, proceeds used to pay REDACTED.   (Builder loan originated REDACTED (pg 67) , subject meets requirements of only using equity once in 12 months per REDACTED  requirements.) - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Document Uploaded. Affidavit of Correction received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A
REDACTED   83692622 D B C A D A B B Closed FCRE1362 REDACTED REDACTED Resolved 1 - Information C A Credit Income/Employment Borrower 2 Paystubs Less Than 1 Month Provided Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Resolved-Paystubs received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 2 Paystubs Less Than 1 Month Provided Borrower is retired and recent got employed per REDACTED dated REDACTED. Only one semi monthly paystub was provided. 30 days paystubs/YTD required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
 Resolved-Paystubs received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A
REDACTED   80699646 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-Gap credit received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached gap credit dated REDACTED
Thanks! - Buyer-REDACTED
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED 		   Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED  
 Resolved-Gap credit received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83268303 C A A A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-PCCD received - Due Diligence Vendor-REDACTED
Ready for Review-See attached COC for discount points disclosed with docs, PCCD for appr fee increase REDACTED , letter to borr, fedex to borr, copy of check - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED BY REDACTED  ON THE FINAL CD.  THE APPRAISAL FEE WAS DISCLOSED AS REDACTED  ON THE INITIAL LE.  THE APPRAISAL FEE INCREASED BY REDACTED  ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED 		 Ready for Review-See attached COC for discount points disclosed with docs, PCCD for appr fee increase REDACTED , letter to borr, fedex to borr, copy of check - Seller-REDACTED
Resolved-PCCD received - Due Diligence Vendor-REDACTED
      Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83268303 C A A A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. See attached COC for discount points disclosed with docs, PCCD for appr fee increase REDACTED , letter to borr, REDACTED, copy of check - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED  ON THE INITIAL LE.  POINTS INCREASED BY REDACTED ON THE FINAL CD.  THE APPRAISAL FEE WAS DISCLOSED AS REDACTED  ON THE INITIAL LE.  THE APPRAISAL FEE INCREASED BY REDACTED  ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED 		 PCCD received - REDACTED
 
Ready for Review-Document Uploaded. See attached COC for discount points disclosed with docs, PCCD for appr fee increase REDACTED  letter to borr, REDACTED, copy of check - Seller-REDACTED
      REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   86407824 D A D A A A D A Closed FVAL8946 REDACTED REDACTED Resolved 1 - Information D A Property Missing Doc Missing Appraisal Resolved-PDI received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached post disaster inspection.
Thanks! - Buyer-REDACTED
Open-Post Disaster Inspection required - appraisal completed on REDACTED  which is prior to the disaster declaration effective for REDACTED for this county.  - Due Diligence Vendor-REDACTED 		   Resolved-PDI received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86407824 D A D A A A D A Closed FCRE1328 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 W2/1099 Missing Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED
Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
We used transcripts for W-2. Please see attached.
Thanks! - Buyer-REDACTED
Open-Borrower 1 W2/1099 Missing There are no W2s on file.  - Due Diligence Vendor-REDACTED 		   Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86407824 D A D A A A D A Closed FCRE1358 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 W2/1099 Missing Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Open-Borrower 2 W2/1099 Missing - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached.
Thanks! - Buyer-REDACTED
Open-Borrower 2 W2/1099 Missing There are no W2s on file.  - Due Diligence Vendor-REDACTED 		   Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85342832 D A D A A A A A Closed FCRE1366 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 Award Letter Missing Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Resolved-Retirement started in REDACTED . Income in file matches FNMA income guideline requirements for retirement. - Due Diligence Vendor-REDACTED
Open-Document Uploaded. Need b2 current retirement income receipt and REDACTED  1099. - Due Diligence Vendor-REDACTED
Open-Updated 1008 and REDACTED 1099 for additional retirement income received.  Need b2 current retirement income receipt and REDACTED  1099. - Due Diligence Vendor-REDACTED 		   Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED  
 Resolved-Retirement started in REDACTED . Income in file matches REDACTED income guideline requirements for retirement. - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   84931255 C B C B A A C A Closed FCRE8201 REDACTED REDACTED Waived 2 - Non-Material C B Credit Eligibility Loan does not conform to program guidelines Waived-Exception to allow piggyback refinance. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. please find attached - Seller-REDACTED
Open-REDACTED email in file to allow piggyback REDACTED refinance, pages REDACTED.  A completed exception form is required from lender. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. please find attached - Seller-REDACTED
Waived-Exception to allow piggyback refinance. - Due Diligence Vendor-REDACTED
  REDACTED  REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance No Cash Out - Borrower Initiated Originator Pre-Close Yes
REDACTED   84931255 C B C B A A C A Closed FVAL9739 REDACTED REDACTED Resolved 1 - Information C A Property Appraisal Property/Appraisal General Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. The 1st lien lender ran the REDACTED findings based on the appraisal they obtained which was a lower value of REDACTED . This appraisal (attached,) which was used to determine our CLTV. - Seller-REDACTED
Open-REDACTED 1st result shows value as REDACTED . Appraisal shows REDACTED . Lender to advise the difference. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. The 1st lien lender ran the REDACTED findings based on the appraisal they obtained which was a lower value of REDACTED. This appraisal (attached,) which was used to determine our CLTV. - Seller-REDACTED
       REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance No Cash Out - Borrower Initiated N/A N/A
REDACTED   84931255 C B C B A A C A Closed FCRE1964 REDACTED REDACTED Waived 2 - Non-Material B B Credit Missing Doc Missing income documentation Waived-Tax transcripts not in file - confirmation from REDACTED per REDACTED  email in file allowing tax filing by REDACTED - Due Diligence Vendor-REDACTED    Waived-Tax transcripts not in file - confirmation from REDACTED per REDACTED  email in file allowing tax filing by REDACTED - Due Diligence Vendor-REDACTED
  REDACTED    Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance No Cash Out - Borrower Initiated Originator Pre-Close Yes
REDACTED   86148753 C A C A A A A A Closed FCRE9592 REDACTED REDACTED Resolved 1 - Information C A Credit Title Lien position GREATER than 2 Resolved-Solar liens removed, FTP received. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. final title policy uploaded 1st lien position  - Seller-REDACTED
Open-Solar liens/UCC - items REDACTED - must be paid off in full or subordinated. This loan must be in second lien position. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. final title policy uploaded 1st lien position  - Seller-REDACTED
Resolved-Solar liens removed, FTP received. - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   84104665 D A D A A A A A Closed FCRE5047 REDACTED REDACTED Resolved 1 - Information C A Credit Title Amount of title insurance is less than mortgage amount Resolved-Updated title policy with correct loan amount received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Title policy if REDACTED  which is not sufficient for loan amount. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Updated title policy with correct loan amount received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84104665 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-UDN received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED  
Open-Borrower 1 Gap Credit Report is Missing Original credit report is dated REDACTED . Note  is dated REDACTED . Gap credit report is required.  - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
 Resolved-UDN received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89249731 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other    
REDACTED   88076009 D A D A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. CD COC's REDACTED  & REDACTED  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. CD COC's REDACTED  & REDACTED  - Seller-REDACTED
Resolved-COC received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88076009 D A D A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. CD COC's REDACTED  & REDACTED  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED  ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. CD COC's REDACTED  & REDACTED  - Seller-REDACTED
Resolved-COC received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88076009 D A D A C A A A Closed FCRE1166 REDACTED REDACTED Resolved 1 - Information C A Credit Insurance Hazard Insurance Coverage is less than all Subject Lien(s) Resolved-RCE received - Due Diligence Vendor-REDACTED
Resolved-Hazard Insurance Coverage Amount of REDACTED  is less than Total Amount of Subject Lien(s) of REDACTED  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. RCE from REDACTED  - Seller-REDACTED
Open-Hazard Insurance Coverage Amount of REDACTED  is less than Total Amount of Subject Lien(s) of REDACTED  Hazard Insurance Coverage Amount of REDACTED  page 272 is less than Total Amount of Subject Liens of REDACTED . No estimated replacement cost was provided from the insurer. Hazard insurance coverage is REDACTED  less than the required amount. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. RCE from REDACTED - Seller-REDACTED
Resolved-RCE received - Due Diligence Vendor-REDACTED
 Resolved-Hazard Insurance Coverage Amount of REDACTED  is less than Total Amount of Subject Lien(s) of REDACTED  - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88076009 D A D A C A A A Closed FCRE1334 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Executed 4506-T Missing Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. 4506C - Seller-REDACTED
Open-Borrower 1 Executed 4506-T Missing  4506 missing for Borrower 1 - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. 4506C - Seller-REDACTED
Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED  
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88076009 D A D A C A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. REDACTED  personal transcripts - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing Transcripts missing for Borrower 1 - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. REDACTED  personal transcripts - Seller-REDACTED
Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88076009 D A D A C A A A Closed FCRE1319 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Personal Tax Returns Missing Resolved-Borrower 1 Personal Tax Returns Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.REDACTED  Personal Tax Returns-joint - Seller-REDACTED  
Open-Borrower 1 Personal Tax Returns Missing 2 years Tax returns missing for Borrower 1 & B2 - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.REDACTED  Personal Tax Returns-joint - Seller-REDACTED
Resolved-Borrower 1 Personal Tax Returns Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88076009 D A D A C A A A Closed FCRE1364 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 Executed 4506-T Missing Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED  
Ready for Review-Document Uploaded. 4506C - Seller-REDACTED  
Open-Borrower 2 Executed 4506-T Missing 4506 missing for Borrower 2 - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. 4506C - Seller-REDACTED
Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88076009 D A D A C A A A Closed FCRE2109 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Lender Income Calculation Worksheet Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Underwriter self employed worksheets- W2 income on the 1008 - Seller-REDACTED
Open- - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. Underwriter self employed worksheets- W2 income on the 1008 - Seller-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   86341126 D A D A A A A A Closed FCRE1157 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Hazard Insurance Policy is Missing Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED
Resolved-HOI received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached.
Thanks! - Buyer-REDACTED
Open-Missing Hazard Insurance Policy - Due Diligence Vendor-REDACTED 		   Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED
 Resolved-HOI received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   86341126 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-Gap credit received - Due Diligence Vendor-REDACTED  
Ready for Review-Document Uploaded. Hi,
Please see attached gap credit report.
Thanks! - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing There is no Gap Credit Report in the file.  - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. Hi,
Please see attached gap credit report.
Thanks! - Seller-REDACTED
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED  
 Resolved-Gap credit received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   86341126 D A D A A A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached.
Thanks! - Buyer-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. A first mortgage statement within 60 days of note date is required. - Due Diligence Vendor-REDACTED 		   Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence VendorREDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   84602902 C A C A A A A A Closed FCRE1159 REDACTED REDACTED Resolved 1 - Information C A Credit Insurance Hazard Insurance Effective Date is after the Note Date Resolved-Proof of ins in place at time of note received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Hazard Insurance Effective Date of REDACTED  is after the Note Date of REDACTED  Proof of Hazard Insurance is required prior closing. However, hazard Insurance page 335 reflects a date of REDACTED  for a REDACTED  closing. Proof of Hazard Insurance at time of closing was not located in the file during review. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Proof of ins in place at time of note received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   82947554 D A D A A A A A Closed FCRE1161 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Flood Certificate Missing Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Missing Flood Certificate Guidelines require a Flood Certificate. However, no Flood certificate was located in the file during review. The required Flood Certificate is missing.  - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82947554 D A D A A A A A Closed FCRE1201 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED  
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Missing Third Party Fraud Report Guidelines require a Third Party Fraud Report. However, no Third Party Fraud Report was located in the file during review. The required Third Party Fraud Report is missing. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED  
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82947554 D A D A A A A A Closed FCRE1145 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Title Document Missing Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED  
Open-Title Document is missing Guidelines require a Title for HELOC transactions. However, no Title was located in the file during review. The required Title documentation is missing - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81095367 A A A A A A A A     REDACTED REDACTED     A A                   QM: Safe Harbor APOR (APOR SH) Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   82806232 D A A A D A A A Closed FCOM4227 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc TRID: Missing Closing Disclosure Resolved-Initial CD received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED  
Counter-LE received, initial CD is needed. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-MISSING THE INITIAL CD. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Initial CD received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   87260107 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   81891551 B B B B A A A A Closed FCRE1195 REDACTED REDACTED Waived 2 - Non-Material B B Credit Eligibility Audited CLTV Exceeds Guideline CLTV Waived-Exception in file to allow REDACTED vs. max of REDACTED  - Due Diligence Vendor-REDACTED   Waived-Exception in file to allow REDACTED vs. max of REDACTED  - Due Diligence Vendor-REDACTED
   REDACTED    Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation Originator Pre-Close Yes
REDACTED   81436038 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   85526756 D A D A A A A A Closed FCRE9592 REDACTED REDACTED Resolved 1 - Information C A Credit Title Lien position GREATER than 2 Resolved-Updated title received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-Please provide updated title report indicating the REDACTED has been removed. - Due Diligence Vendor-REDACTED
Ready for Review-our title company says the 2nd will be recorded in 2nd lien position. Can you tell me what you need to clear this?  - Seller-REDACTED
Open-Loan is currently in third lien position. REDACTED on title REDACTED must be removed, subordinated, or paid in full.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-our title company says the 2nd will be recorded in 2nd lien position. Can you tell me what you need to clear this?  - Seller-REDACTED
 Resolved-Updated title received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85526756 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-Fraud report received, gap credit report still needed. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85526756 D A D A A A A A Closed FCRE5783 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 Gap Credit Report is Missing Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-Fraud report received, b2 gap credit is still needed per finding - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   80397284 D A D A C A A A Closed FCRE1104 REDACTED REDACTED Resolved 1 - Information C A Credit Closing Maturity Date is not the first of the month Resolved-Maturity Date is the first day of the month - Due Diligence Vendor-REDACTED
Resolved-Updated/corrected note received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Maturity Date is not the first day of the month - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Maturity Date is the first day of the month - Due Diligence Vendor-REDACTED
 Resolved-Updated/corrected note received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   80397284 D A D A C A A A Closed FCRE5770 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Credit Report is Missing Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 Credit Report is Missing. CREDIT REPORT IS MISSING. CANNOT VERIFY DEBT OR FICO SCORE - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   80397284 D A D A C A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   80397284 D A D A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POITNS INCREASED BY REDACTED0 (REDACTED) ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   80397284 D A D A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POITNS INCREASED BY REDACTED (REDACTED) ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83516484 C A C A A A A A Closed FCRE9592 REDACTED REDACTED Resolved 1 - Information C A Credit Title Lien position GREATER than 2 Resolved-UCC lien termination recorded & received. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-Unrecorded Termination notices for UCC liens received.  Need updated title or recorded copies of UCC terminations. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Items REDACTED on title must be paid off or subordinated. This loan is required to be in second lien position.  Solar liens or UCC financing liens cannot be ahead of the second in lien position. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-UCC lien termination recorded & received. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83424142 C A C A A A A A Closed FCRE9592 REDACTED REDACTED Resolved 1 - Information C A Credit Title Lien position GREATER than 2 Resolved-Recorded reconveyance received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached release of lien.
Thanks! - Buyer-REDACTED
Counter-The check copy provided shows VOID across the check. Either need a copy of the cleared check showing this lien paid off or an updated title policy. The LOE indicates that the lien will be removed from FTP, so FTP is preferable to clear the finding. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached LOE and cancelled check.
Thanks! - Buyer-REDACTED
Open-Verification the DOT from REDACTED is paid in full & removed from title - Schedule B REDACTED - page 562. - Due Diligence Vendor-REDACTED		   Resolved-Recorded reconveyance received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83107214 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-UDN received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
 Resolved-UDN received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89672612 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance No Cash Out - Borrower Initiated    
REDACTED   84450206 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   80951038 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   83208422 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-UDN received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Udn Attached for Credit Gap - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing - Missing Gap credit report - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Udn Attached for Credit Gap - Seller-REDACTED
 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
 Resolved-UDN received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83208422 D A D A A A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. VOM attached - Seller-REDACTED
Counter-Credit supplement received. REDACTED requirements require the actual first mortgage statement within 60 days. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. VOM attached - Seller-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage statement within 60 days of note date required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. VOM attached - Seller-REDACTED
 Ready for Review-Document Uploaded. VOM attached - Seller-REDACTED
 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
 Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83208422 D A D A A A A A Closed FCRE1159 REDACTED REDACTED Resolved 1 - Information C A Credit Insurance Hazard Insurance Effective Date is after the Note Date Resolved-Hazard Insurance Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-REDACTED
Resolved-. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. attached is HOI from REDACTED  & REDACTED  covers the days prior and after the note date  - Seller-REDACTED
Open-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED  - Hazard Insurance Effective Date of REDACTED is after the Loan Disbursement Date of REDACTED - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. attached is HOI from REDACTED & REDACTED  covers the days prior and after the note date  - Seller-REDACTED
 Resolved-Hazard Insurance Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-REDACTED
 Resolved-. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83208422 D A D A A A A A Closed FCRE1201 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Fraud Report attached - Seller-REDACTED
Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Fraud Report attached - Seller-REDACTED
 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83208422 D A D A A A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Resolved-Transcripts received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing - Missing W2 Tax Transcripts required by Guidelines dated REDACTED

**REDACTED Full Income Documentation
Wage/Salaried borrowers:
•W-2s for most recent 1 or 2-years and current paystubs reflecting 30 days earnings
•W-2 transcripts - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
 Resolved-Transcripts received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   86177389 D A A A C A D A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Redisclosures with COC's attached  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THERE WAS NO FINAL INSPECTION FEE DISCLOSED ON THE INITIAL LE.  A FINAL INSPECTION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  THE TRANSFER TAXES WERE DISCLOSED AS REDACTED ON THE INITIAL LE.  THE TRANSFER TAXES INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Redisclosures with COC's attached  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86177389 D A A A C A D A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Redisclosures with COC's attached  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THERE WAS NO FINAL INSPECTION FEE DISCLOSED ON THE INITIAL LE.  A FINAL INSPECTION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  THE TRANSFER TAXES WERE DISCLOSED AS REDACTED ON THE INITIAL LE.  THE TRANSFER TAXES INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Redisclosures with COC's attached  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86177389 D A A A C A D A Closed FVAL8946 REDACTED REDACTED Resolved 1 - Information D A Property Missing Doc Missing Appraisal Resolved-Appraisal update received - dated post disaster declaration. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Original appraisal and final inspection (post REDACTED storms) attached - Seller-REDACTED
Open-Property located in REDACTED county.  Post Disaster Inspection required.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Original appraisal and final inspection (post REDACTED storms) attached - Seller-REDACTED
 Resolved-Appraisal update received - dated post disaster declaration. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   88247386 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   80701908 C A C A A A A A Closed FCRE1168 REDACTED REDACTED Resolved 1 - Information C A Credit Insurance Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED
Resolved-RCE received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED -  Hazard Insurance Coverage Amount of REDACTED is less than coverage amount of REDACTED (First lien UPB REDACTED + Loan amount  REDACTED). The dwelling coverage amount is also less than 'Total Estimate of Cost - New per Appraisal -REDACTED. Page 115.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED
 Resolved-RCE received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   88212225 C A C A A A A A Closed FCRE1437 REDACTED REDACTED Resolved 1 - Information C A Credit Income/Employment Income and Employment Do Not Meet Guidelines Resolved-. - Due Diligence Vendor-REDACTED
Ready for Review-Hi,
Please see REDACTED of the guidelines. We use REDACTED days from the note date. We also use the pay date. Per page 588, we are using REDACTED. The Note is dated REDACTED
The duration from REDACTED to REDACTED is REDACTED days.
Thanks! - Buyer-REDACTED
Open-Income and Employment Do Not Meet Guidelines Guidelines page 9 require income documentation to be within REDACTEDdays. However, the most recent income documentation pages REDACTED dated REDACTED and used for income qualification is REDACTED days aged prior to note date of REDACTED. The income documentation used for qualification is REDACTED days aged past guideline maximum of REDACTED days. - Due Diligence Vendor-REDACTED		   Resolved-. - Due Diligence Vendor-REDACTED
       Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   80508288 D A D A A A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Resolved-Trancripts received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
 Resolved-Trancripts received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84069554 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   84147056 D A A A A A D A Closed FVAL8946 REDACTED REDACTED Resolved 1 - Information D A Property Missing Doc Missing Appraisal Resolved-PDI received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached REDACTED
Thanks! - Buyer-REDACTED
Open-Property in FEMA disaster zone.  Property Disaster Inspection required. - Due Diligence Vendor-REDACTED		   Resolved-PDI received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83579945 D A D A C A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage statement within 60 days of note date missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83579945 D A D A C A A A Closed FCOM8804 REDACTED REDACTED Resolved 1 - Information B A Compliance Missing Doc Missing Loan program disclosure Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-1008 missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83579945 D A D A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. A LENDER CREDIT WAS DISCLOSED ON THE INITIAL LE IN THE AMOUNT OF REDACTED.  THE LEDNER CREDIT DECREASED TO REDACTED ON THE FINAL CD. NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83579945 D A D A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83579945 D A D A C A A A Closed finding-3652 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). A LENDER CREDIT WAS DISCLOSED ON THE INITIAL LE IN THE AMOUNT OF REDACTED.  THE LEDNER CREDIT DECREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82300640 D A D A A A A A Closed FCRE1334 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Executed 4506-T Missing Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. signed and dated  - Seller-REDACTED
Open-Borrower 1 Executed 4506-T Missing There is no 4506 on file.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. signed and dated  - Seller-REDACTED
 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86602851 D A D A C A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Resolved-Transcripts received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Transcripts - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing W2 transcripts are required for wage earners.

 - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Transcripts - Seller-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
 Resolved-Transcripts received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86602851 D A D A C A A A Closed FCRE1334 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Executed 4506-T Missing Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. 4506 - Seller-REDACTED
Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. 4506 - Seller-REDACTED
 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86602851 D A D A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. LE and COC - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. POINTS WERE DISCLOSED  IN THE AMOUNT OF REDACTED ON THE INITIAL  LE.  POINTS INCREASED BY REDACTED ON THE FIANL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. LE and COC - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86602851 D A D A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. LE and COC  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED  IN THE AMOUNT OF REDACTED ON THE INITIAL  LE.  POINTS INCREASED BY REDACTED ON THE FIANL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. LE and COC  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86602851 D A D A C A A A Closed FCRE1148 REDACTED REDACTED Resolved 1 - Information C A Credit Title Title Coverage is Less than Subject Lien(s) Total Resolved-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED
Resolved-Updated title received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Title with correct loan amount - Seller-REDACTED
Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien of REDACTED. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Title with correct loan amount - Seller-REDACTED4
 Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED
 Resolved-Updated title received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   88713690 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   80960202 B B B B A A A A Closed FCRE1195 REDACTED REDACTED Waived 2 - Non-Material B B Credit Eligibility Audited CLTV Exceeds Guideline CLTV Waived-- Loan LTV of REDACTED exceeds Guidelines LTV limit of REDACTED for Warrantable Condo vs. max of REDACTED - Due Diligence Vendor-REDACTED   Waived-- Loan LTV of REDACTED exceeds Guidelines LTV limit of REDACTED for Warrantable Condo vs. max of REDACTED - Due Diligence Vendor-REDACTED
   REDACTED   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other Originator Pre-Close Yes
REDACTED   80561063 D A D A A A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
Resolved-Docs received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hello, Please see the attached credit supplement showing both mortgage payments through REDACTED, - Seller-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage statement within 60 days of note date missing. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hello, Please see the attached credit supplement showing both mortgage payments through REDACTED - Seller-REDACTED
 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
 Resolved-Docs received - Due Diligence Vendor-REDACTED		     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Limited Cash Out < 2% or less than $5000 N/A N/A
REDACTED   80561063 D A D A A A A A Closed FCRE8201 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Loan does not conform to program guidelines Resolved-Resolved with updated mortgage stmt & gap credit - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hello, would you please let us know what changed based off of the 1008 that was provided with the file as our DTI is REDACTED%.  - Seller-REDACTED
Open-DTI over REDACTED% - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hello, would you please let us know what changed based off of the 1008 that was provided with the file as our DTI is REDACTED%.  - Seller-REDACTED
 Resolved-Resolved with updated mortgage stmt & gap credit - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Limited Cash Out < 2% or less than $5000 N/A N/A
REDACTED   88711168 C A C A B A A A Closed FCOM8804 REDACTED REDACTED Resolved 1 - Information B A Compliance Missing Doc Missing Loan program disclosure Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Document Uploaded. - Seller-REDACTED
Counter-Statement submitted is more than 60 days old from note date. A first mortgage stmt within 60 days of note date is required. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Missing first mortgage statement within 60 days of note date - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Document Uploaded. - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88711168 C A C A B A A A Closed FCRE1153 REDACTED REDACTED Resolved 1 - Information C A Credit Title Title Effective Date is greater than Note Date Resolved-Validation Resolved - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Title Form Type is Preliminary Commitment but Title Effective Date is greater than Note Date of REDACTED - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Validation Resolved - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88131509 D A A A D A C A Closed FCOM1266 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Homeownership Counseling Disclosure Is Missing Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached.
Thanks! - Buyer-REDACTED
Counter-This disclosure is a RESPA & CFPB requirement for first and second liens and cannot be waived.  The REDACTED disclosure referenced is an initial disclosure that provides borrowers with a REDACTED.  This disclosure is not related to first time homeownership.   - Due Diligence Vendor-REDACTED
Ready for Review-Good Morning REDACTED,

Can we get the below condition waived? The borrowers are not first time homebuyers, so the disclosures are not required.

Thank you,


REDACTED
REDACTED
REDACTED
REDACTED
REDACTED
REDACTED
 
 - Buyer-REDACTED
Open- REDACTED Disclosure Is Missing - Due Diligence Vendor-REDACTED		   Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88131509 D A A A D A C A Closed FVAL3954 REDACTED REDACTED Resolved 1 - Information C A Property Property Property Damage Resolved-Documentation received - resolved. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached roof inspection and 1004 D appraisal.
Thanks! - Buyer-REDACTED
Open-Property Disaster Inspection - pg 284 - indicates property damage - roof. Verification all repairs were completed required. - Due Diligence Vendor-REDACTED		   Resolved-Documentation received - resolved. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   80692564 D A A A D A A A Closed FCOM1262 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Right of Rescission is Missing Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please find NRTC attached.
Thank you!! - Buyer-REDACTED
Open-Right of Rescission is Missing - Due Diligence Vendor-REDACTED		   Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87757700 D A D A A A C A Closed FVAL2477 REDACTED REDACTED Resolved 1 - Information C A Property Appraisal Appraisal incomplete (missing map, layout, pages, etc.) Resolved-. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Property address on appraisal to be updated to REDACTED &REDACTED on all pages of the appraisal, including cover page and page 12 - end of appraisal. Pages 1-11 show REDACTED &REDACTED - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87757700 D A D A A A C A Closed FCRE2109 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Lender Income Calculation Worksheet Resolved-Lender Income Worksheets received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open- - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Lender Income Worksheets received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89885402 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Debt Consolidation    
REDACTED   84363057 D A D A A A A A Closed FCRE1161 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Flood Certificate Missing Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Flood cert attached - Seller-REDACTED
Open-Missing Flood Certificate - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Flood cert attached - Seller-REDACTED
 Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84363057 D A D A A A A A Closed FCRE1316 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-FVOE attached - Seller-REDACTED
Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED		 Ready for Review-FVOE attached - Seller-REDACTED
 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84363057 D A D A A A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. IRS Transcripts attached - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. IRS Transcripts attached - Seller-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84363057 D A D A A A A A Closed FCRE1201 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Fraud report attached - Seller-REDACTED
Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Fraud report attached - Seller-REDACTED
 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84363057 D A D A A A A A Closed FCRE2109 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Lender Income Calculation Worksheet Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Missing income worksheet required by Guidelines dated REDACTED

REDACTED Underwriting Documentation
All loans must be manually underwritten. The Underwriting Approval, Income Calculation Worksheet, and the Underwriter’s determination of ATR is required as part of the credit package.
 - Due Diligence Vendor - REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84716106 D A D A A A A A Closed FCRE8611 REDACTED REDACTED Resolved 1 - Information C A Credit Income/Employment Income/Employment General Resolved-Updated P&L calculation and 1008 received with REDACTED% expense factor as required. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. See attached updated income and comments on 1008 that will help explain.   Thank you  - Seller-REDACTED
Counter-Updated UW 1008 still reflects a REDACTED% expense factor. The minimum expense factor for a service business is REDACTED% using P&L.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. UW cert and 1008 is attached  - Seller-REDACTED
Open-Lender comments state a REDACTED0% expense factor was used on income calculation for a net monthly income of REDACTED.  P&L revenue with REDACTED% expense factor applied is REDACTED/month.  P&L as shown is REDACTED expense (REDACTED/month). Loan submitted as REDACTED/month.  Lender to advise on lender income calculation vs. income submitted on 1008. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. See attached updated income and comments on 1008 that will help explain.   Thank you  - Seller-REDACTED
 Ready for Review-Document Uploaded. UW cert and 1008 is attached  - Seller-REDACTED
 Resolved-Updated P&L calculation and 1008 received with REDACTED% expense factor as required. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   84716106 D A D A A A A A Closed FCRE1201 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   84716106 D A D A A A A A Closed FCRE1152 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Evidence of Property Tax Missing Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED
Resolved-Tax Cert received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Missing Evidence of Property Tax There is no Tax Cert in the file and the taxes are not present on the title.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED
 Resolved-Tax Cert received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   80531010 C A C A A A A A Closed FCRE8946 REDACTED REDACTED Resolved 1 - Information C A Credit Income/Employment Income documentation expiration dates Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Updated income calc updated, same figures UW changed month from REDACTED to REDACTED on the worksheet. Thank you!  - Buyer-REDACTED
Open-Borrower 1 - Income calculator page 3 does not reflect the additional month of REDACTED and the calculated income increase to REDACTED from REDACTED using only up to REDACTED as reflected on calculator. Lender to add the additional month of REDACTED to be within 60 days of note and meet requirements. - Due Diligence Vendor-REDACTED		   Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89343453 C A A A A A C A Closed FVAL2477 REDACTED REDACTED Resolved 1 - Information C A Property Appraisal Appraisal incomplete (missing map, layout, pages, etc.) Resolved-Resolved - page 2 indicates property will become REDACTED - Due Diligence Vendor-REDACTED
Open-Apprasial data - Appraisal shows REDACTED. Loan submitted as REDACTED property. Appraisal to be updated. - Due Diligence Vendor-REDACTED		   Resolved-Resolved - page 2 indicates property will become REDACTED- Due Diligence Vendor-REDACTED
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   88470565 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   84597500 D A D A A A A A Closed FCRE8944 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Credit History - Derogatory Accounts Without Sufficient Explanation Resolved-Documentation received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Final CD reflects collections pay off for 'REDACTED' debt, however, loan file is missing documentation to verify REDACTED. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Documentation received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84597500 D A D A A A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Mortgage statement received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage statement within 60 days of note date required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Mortgage statement received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81260105 D A D A D A A A Closed FCRE4989 REDACTED REDACTED Resolved 1 - Information C A Credit Closing Collections, liens or judgments not paid at closing Resolved-FTP reflecting no remaining outstanding judgments received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see 4 new attachments Re: REDACTED to cure condition thank you! - Seller-REDACTED
Counter-Investor/seller working to resolve.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hello, here is the REDACTEDpayoff

REDACTED did not provide a reason for the difference. When the payoff was requested a copy of the recorded lien was included in the request.
REDACTED
REDACTED
REDACTED
REDACTED
 - Seller-REDACTED
Counter-Docs received, but amounts do not match lien on title. Please provide upfated final title policy verifying the tax lien has been removed. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see attached, they received a payoff for it and it was paid at closing. The lien, payoff and cd showing it paid is attached thank you - Seller-REDACTED
Open-Title - page 442 - shows open REDACTED in the amount of REDACTED not paid off at closing. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see 4 new attachments Re: REDACTED to cure condition thank you! - Seller-REDACTED
 Ready for Review-Document Uploaded. Hello, here is the REDACTEDpayoff

REDACTED did not provide a reason for the difference. When the payoff was requested a copy of the recorded lien was included in the request.
REDACTED
REDACTED
REDACTED
REDACTED
 - Seller-REDACTED
 Ready for Review-Document Uploaded. Please see attached, they received a payoff for it and it was paid at closing. The lien, payoff and cd showing it paid is attached thank you - Seller-REDACTED
 Resolved-FTP reflecting no remaining outstanding REDACTED received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81260105 D A D A D A A A Closed FCRE1152 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Evidence of Property Tax Missing Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Attached is the proof of taxes - Seller-REDACTED
Open-Missing Evidence of Property Tax There is no Tax Cert in the file and the Tax amount is no listed on the Title.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Attached is the proof of taxes - Seller-REDACTED
 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81260105 D A D A D A A A Closed FCRE1254 REDACTED REDACTED Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED
Resolved-Title covering lien amount received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. attached is the schedule A for REDACTED - Seller-REDACTED
Open-Title insurance is not in the amount of lien. Title insurance is REDACTED.  Must be increased to REDACTED to cover loan amount. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. attached is the schedule A for REDACTED - Seller-REDACTED
 Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED
 Resolved-Title covering lien amount received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81260105 D A D A D A A A Closed FCRE2109 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Lender Income Calculation Worksheet Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Income Calc worksheet attached  - Seller-REDACTED
Counter-There is only one borrower on this loan & REDACTED income. These income calc worksheets don't appear to be for this loan.  Please advise. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please find the INcome calc worksheets attached - Seller-REDACTED
Open- - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Income Calc worksheet attached  - Seller-REDACTED
 Ready for Review-Document Uploaded. Please find the INcome calc worksheets attached - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81260105 D A D A D A A A Closed FCRE1201 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81260105 D A D A D A A A Closed FCOM1232 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc The Final 1003 is Missing Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. final 1003 Attached - Seller-REDACTED
Open-The Final 1003 is Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. final 1003 Attached - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81260105 D A D A D A A A Closed FCRE8201 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Loan does not conform to program guidelines Resolved-Verification property not listed within REDACTED months of note date received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. See appraiser info on MLS listing attached - Seller-REDACTED
Open-Verification of date property was removed from MLS listing required. TPR online search showsREDACTED removal date, meaning property is not eligible for financing as it has been listed for sale within the last REDACTED months.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. See appraiser info on MLS listing attached - Seller-REDACTED
 Resolved-Verification property not listed within REDACTED months of note date received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84967404 D A D A A A A A Closed 123ABJ REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VVOE dated within 10 days consummation Resolved-VVOE received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-VVOE document out-dated - verifier signature/date is REDACTED. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Verification of employment for Borrower 1 - REDACTED, exceeds REDACTED days of Note required by Guidelines. VVOE is dated REDACTED and WVOE which would have sufficed is dated REDACTED - REDACTED


REDACTED Full Income Documentation
REDACTED Full Doc for Stand-Alone

Wage Earners
Other Requirements:
• A verbal VOE from each employer within 10-days of the note date for wage and salaried employees - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-VVOE received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84967404 D A D A A A A A Closed FCRE1193 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Audited DTI Exceeds Guideline DTI Resolved-DTI resolved & within guidelines.  Proof REDACTED paid in full prior to closing received. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. auto paid in full - Seller-REDACTED
Open-Audited DTI is over program max of REDACTED. (Lender appears to have not included REDACTED payment. Please advise.) - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. REDACTED paid in full - Seller-REDACTED
 Resolved-DTI resolved & within guidelines.  Proof REDACTED loan paid in full prior to closing received. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83441715 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   83039305 D A D A A A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
Resolved-received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage statement within 60 days of note date is required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
 Resolved-received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86812266 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   82961002 D A D A A A A A Closed FCRE1333 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 WVOE Missing Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Updated ICW and WVOE uploaded - Seller-REDACTED
Counter-Finding sent back to lender - no attachment & UW updating income worksheet per lender comments - Due Diligence Vendor-REDACTED
Ready for Review-deleted - UW is working on updated ICW - Seller-REDACTED
Ready for Review-Document Uploaded. VOE with REDACTED - Seller-REDACTED
Open-Borrower 1 WVOE Missing Per the UW income calculation worksheet, a written VOE was used in the calculations; however, there is no WVOE in the file.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Updated ICW and WVOE uploaded - SellerREDACTED
 Ready for Review-deleted - UW is working on updated ICW - Seller-REDACTED
 Ready for Review-Document Uploaded. VOE with REDACTED - Seller-REDACTED
 Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   81019023 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   81789301 D A D A A A A A Closed FCRE4989 REDACTED REDACTED Resolved 1 - Information C A Credit Closing Collections, liens or judgments not paid at closing Resolved-Confirmation of judgment amount and payoff reflected on FInal CD received.   - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached email from title to confirm.
Thanks! - Buyer-REDACTED
Open-Verifiaction judgment (REDACTED) on title (pg 478) in the amount of REDACTED to REDACTED is paid in full or paid at closing. This amount does not match any amount on final CD for items paid off.  - Due Diligence Vendor-REDACTED		   Resolved-Confirmation of judgment amount and payoff reflected on FInal CD received.   - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81789301 D A D A A A A A Closed FCRE1193 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Audited DTI Exceeds Guideline DTI Resolved- - Due Diligence Vendor-REDACTED
Open- - Due Diligence Vendor-REDACTED
Open-The Audited DTI is over REDACTED%.  A new Credit Report was generated on REDACTED and using these debts, the borrower exceeds the REDACTED% DTI max.  - Due Diligence Vendor-REDACTED		           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81789301 D A D A A A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
Open-First mortgage statement (pg 226) is more than 60 days old from note date.  Updated first mortgage statement required. - Due Diligence Vendor-REDACTED		   Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87772319 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   85036824 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   87791672 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved- - Due Diligence Vendor-REDACTED
Counter-Fraud report submitted, gap credit required - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
       REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   87791672 D A D A A A A A Closed FCRE5783 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 Gap Credit Report is Missing Resolved- - Due Diligence Vendor-REDACTED
Counter-Fraud report submitted, gap credit required - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
       REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   87791672 D A D A A A A A Closed FCRE1168 REDACTED REDACTED Resolved 1 - Information C A Credit Insurance Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided Resolved-Hazard Insurance Coverage Amount of $REDACTEDis equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $REDACTED - Due Diligence Vendor-REDACTED
Resolved-Covered by extended replacement cost - coverage is sufficient - Due Diligence Vendor-REDACTED
Ready for Review-Per our underwriter, under coverages/endorsements on the HOI Policy it states extended replacement cost included, so this should be sufficient coverage. With extended replacement cost, it does have it.. Extended replacement cost is REDACTED; REDACTED*REDACTED% = REDACTED - Seller-REDACTED
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED - Replacement cost estimate of REDACTED exceeds dwelling coverage amount of REDACTED. - Due Diligence Vendor-REDACTED		 Ready for Review-Per our underwriter, under coverages/endorsements on the HOI Policy it states extended replacement cost included, so this should be sufficient coverage. With extended replacement cost, it does have it.. Extended replacement cost is REDACTED%; REDACTED*REDACTED% = REDACTED - Seller-REDACTED
 Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED
 Resolved-Covered by extended replacement cost - coverage is sufficient - Due Diligence Vendor-REDACTED
       Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   88993359 D A A A A A D A Closed FVAL8946 REDACTED REDACTED Resolved 1 - Information D A Property Missing Doc Missing Appraisal Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached disaster inspection dated REDACTED
Thanks! - Buyer-REDACTED
Open-Appraisal is prior to disaster. Property in REDACTED disaster county. Property Disaster Inspection dated after REDACTED required.  - Due Diligence Vendor-REDACTED		         REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   81961269 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   82579033 D A D A A A A A Closed FCRE1316 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
Resolved-VVOE received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached VVOE.
Thanks! - Buyer-REDACTED
Open-Borrower 1 3rd Party VOE Prior to Close Missing Verbal VOE from each employer within 10-days of the note date for wage and salaried employees. However, no verbal VOE was located in the file during review. The required verbal VOE is missing. - Due Diligence Vendor-REDACTED		   Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
 Resolved-VVOE received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86515159 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   84157653 D A D A A A C A Closed FVAL2477 REDACTED REDACTED Resolved 1 - Information C A Property Appraisal Appraisal incomplete (missing map, layout, pages, etc.) Resolved-Corrected appraisal received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Appraisal owner of record must be updated.  Appraisal owner of record does not match title commitment.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Corrected appraisal received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84157653 D A D A A A C A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage statement within 60 days of note date required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86081166 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   84782536 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   89461472 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   89891945 D A D A C A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing - Per Guidelines, W2 transcripts are required for wage earners

REDACTED Full Income Documentation
REDACTED Full Doc for Stand-Alone

•Tax transcripts.
Wage/Salaried borrowers:
•W-2 transcripts - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89891945 D A D A C A A A Closed FCRE1365 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 IRS Transcripts Missing Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - SellerREDACTED
Open-Borrower 2 IRS Transcripts Missing - Per Guidelines, W2 transcripts are required for wage earners

REDACTED Full Income Documentation
REDACTED Full Doc for Stand-Alone

•Tax transcripts.
Wage/Salaried borrowers:
•W-2 transcripts - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals REDACTED) - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89891945 D A D A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. COCs for discount points - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. COCs for discount points - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89891945 D A D A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. COCs for discount points - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. COCs for discount points - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85080261 C A C A A A A A Closed FCRE1168 REDACTED REDACTED Resolved 1 - Information C A Credit Insurance Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. policy has replacement cost coverage  - Seller-REDACTED
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $ Dwelling coverage of REDACTED is less than required coverage amount of REDACTED ($First lien UPB  $REDACTED + Second lien loan $REDACTED) - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. policy has replacement cost coverage  - Seller-REDACTED
 Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85080261 C A C A A A A A Closed FCRE8611 REDACTED REDACTED Resolved 1 - Information C A Credit Income/Employment Income/Employment General Resolved-Income worksheet updated to REDACTED% expense factor, income & 1008 updated. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. 1008 and REDACTED% worksheet included CPA letter  - Seller-REDACTED
Open-Lender used a REDACTED% expense factor on bank statement income worksheet. Minimum expense factor allowed is REDACTED% with a CPA letter.  Updated income calculation worksheet and 1008 required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. 1008 and REDACTED% worksheet included CPA letter  - Seller-REDACTED
 Resolved-Income worksheet updated to REDACTED% expense factor, income & 1008 updated. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85080261 C A C A A A A A Closed FCRE1254 REDACTED REDACTED Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Both items cleared per title company update and proof of recording. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Two items:
1. Proof the REDACTED  - $REDACTED - was paid off prior to closing (it is not listed on final PCCD)
2. Updated title to show the REDACTED liens removed - REDACTED - (UCC termination in file, but it is not recorded).  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Both items cleared per title company update and proof of recording. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89587884 D A D A A A A A Closed FCRE1328 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 W2/1099 Missing Resolved-W2 wage transcripts accepted - Due Diligence Vendor-REDACTED
Counter-Tax transcripts are in file. W2 transcripts are required. - Due Diligence Vendor-REDACTED
Counter-Guidelines require W2s and transcipts verifying the W2s.  Transcripts received, two years W2s still needed. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 W2/1099 Missing 2 years W2s missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-W2 wage transcripts accepted - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81438658 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   82095966 D A D A A A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Mortgage statement was included on the original submission page REDACTED - SellerREDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage statement within 60 days of note date required.
 - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Mortgage statement was included on the original submission page REDACTED - Seller-REDACTED
 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82095966 D A D A A A A A Closed FCRE2109 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Lender Income Calculation Worksheet Resolved-Income worksheet received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-- Missing income worksheet for coborrower - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Income worksheet received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   80661254 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   83955989 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   83538287 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   86696602 C A C A A A A A Closed FCRE9592 REDACTED REDACTED Resolved 1 - Information C A Credit Title Lien position GREATER than 2 Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Buyer-REDACTED
Counter-UCC termination submitted is not recorded. Please submit updated title reporting this as removed.  UCC financing statement (schedule B exceptions), page 580 REDACTED must be released or paid in full - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached UCC termination.
Thanks! - Buyer-1REDACTED
Open-UCC financing statement (schedule REDACTED exceptions), page 580 REDACTED must be released or paid in full  - Due Diligence Vendor-REDACTED		       REDACTED REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82800606 D A D A A A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached.
Thanks! - Buyer-REDACTED
Open-First mortgage statement dated within 60 days of note date is required.  (Stmt in file REDACTED is outdated.) - Due Diligence Vendor-REDACTED		   Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   86617495 C A C A C A A A Closed FCRE9592 REDACTED REDACTED Resolved 1 - Information C A Credit Title Lien position GREATER than 2 Resolved-Document Uploaded.  - Due Diligence Vendor-REDACTED
Resolved-REDACTED contract (recorded) received - no encumbrance on the property.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-A copy of the recorded REDACTED contract is required to verify there is no encumbrance on the property. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi - pls see attached email from title. REDACTED is not a lien.  - Seller-REDACTED
Counter-Email with Lender on items needed to clear. - Due Diligence Vendor-REDACTED
Counter-UCC document showing termination received.  Document is not recorded.  Updated title report showing the UCC lien removed is required. - Due Diligence Vendor-REDACTED
Ready for Review-THE PCCD SHOWS ORIGINATION SHOWS REDACTED  OUR LOAN AMOUNT IS REDACTED X REDACTED% GIVES REDACTED   SO- REDACTED0- REDACTED= REDACTED .  Please review and clear    - Seller-REDACTED
Counter-Title shows the UCC lien, which does take precendence over the second mortgage due to date recorded, in section B #REDACTED. Verification of the UCC termination and updated title are required.  Guidelines require any REDACTED lien to be paid off prior to/at closing. Any exception will have to be approved by REDACTED.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached and proof highlighted in yellow this is not a lien against the property. Please clear the condition     - Seller-REDACTED
Counter-Title shows the UCC lien, which does take precendence over the second mortgage due to date recorded, in section B #REDACTED. Verification of the UCC termination and updated title are required. - Due Diligence Vendor-REDACTED
Ready for Review-Please advise .. per title we are in first lien position here is no UCC Termination that needs to be recorded because it's a contract with no Money, not a lien. The Deed of Trust is in first position   - Seller-REDACTED
Counter-Final TItle Polcy, Item #REDACTED - still shows REDACTED in lien position above this loan (REDACTED) which is not acceptable per guidelines.  REDACTED lien must be terminated. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached Final Title Policy - there is no UCC Termination that needs to be recorded because it's a contract with no Money, not a lien. The Deed of Trust is in first position. - Seller-REDACTED
Counter-UCC termination is not filed. Must be filed and removed from title. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached UCC termination.   Please clear the condition.    - Seller-REDACTED
Open-REDACTED lien must be removed from title and/or paid in full.  This loan cannot be in third lien position.  #REDACTED on title. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded. Hi - pls see attached email from title. Solar is not a lien.  - Seller-REDACTED
 Ready for Review-THE PCCD SHOWS ORIGINATION SHOWS REDACTED  OUR LOAN AMOUNT IS REDACTEDXREDACTED% GIVES REDACTED   SO- REDACTED- REDACTED= REDACTED .  Please review and clear    - Seller-REDACTED
 Ready for Review-Document Uploaded. Please see the attached and proof highlighted in yellow this is not a lien against the property. Please clear the condition     - Seller-REDACTED
 Ready for Review-Please advise .. per title we are in first lien position here is no UCC Termination that needs to be recorded because it's a contract with no Money, not a lien. The Deed of Trust is in first position   - Seller-REDACTED
 Ready for Review-Document Uploaded. Please see the attached Final Title Policy - there is no UCC Termination that needs to be recorded because it's a contract with no Money, not a lien. The Deed of Trust is in first position. - Seller-REDACTED
 Ready for Review-Document Uploaded. Please see the attached UCC termination.   Please clear the condition.    - Seller-REDACTED
 Resolved-Document Uploaded.  - Due Diligence Vendor-REDACTED
 Resolved-REDACTED contract (recorded) received - no encumbrance on the property.  - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86617495 C A C A C A A A Closed finding-3652 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached COC. Please clear the condition   - Seller-REDACTED
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE LENDER CREDIT DECREASED TO $REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached COC. Please clear the condition   - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86617495 C A C A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached COC. Please clear the condition   - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THERE WERE NO POINTS DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached COC. Please clear the condition   - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86617495 C A C A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached COC. Please clear the condition   - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD. THERE WERE NO POINTS DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached COC. Please clear the condition   - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87677009 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   89055124 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   89862433 C A C A A A A A Closed FCRE1193 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Audited DTI Exceeds Guideline DTI Resolved-Verified two deposits added back in to income calculation. REDACTED% expense factor remains. Updated 1008 & lender calc worksheet accepted. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. I’ve uploaded and attached a revised 1008 and income worksheet.  I was able to add back in two deposits and the income went up $REDACTED/month.   - Seller-REDACTED
Counter-Lender has not included mortgage insurance in calculation.  Once MI premium of REDACTED is included, DTI is over REDACTED%. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached and please clear the condition  - Seller-REDACTED
Counter-The borrower is required to pay the monthly mortgage statement payment amount on the first mortgage. - Due Diligence Vendor-REDACTED
Ready for Review-the taxes and insurance is from the tax bill and dec page, it is most accurate - Seller-REDACTED
Open-The mortgage statement indicates total monthly first mtg payment  is $REDACTED.  Lender counted $REDACTED per 1008.  DTI is over REDACTED% at REDACTED%. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. I’ve uploaded and attached a revised 1008 and income worksheet.  I was able to add back in two deposits and the income went up REDACTED/month.   - Seller-REDACTED
 Ready for Review-Document Uploaded. Please see the attached and please clear the condition  - Seller-REDACTED
 Ready for Review-the taxes and insurance is from the tax bill and dec page, it is most accurate - Seller-REDACTED
 Resolved-Verified two deposits added back in to income calculation. REDACTED% expense factor remains. Updated 1008 & lender calc worksheet accepted. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88460702 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   86530114 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   85056195 D A D A A A A A Closed FCRE2109 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Lender Income Calculation Worksheet Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-- Missing income worksheet required by Guidelines dated REDACTED for Borrower 1 and 2. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   80776546 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   87259438 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   83038952 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   85387349 D A D A A A A A Closed FCRE5790 REDACTED REDACTED Resolved 1 - Information C A Credit Closing Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED
Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. current attached. please scroll bottom of pg to see ran REDACTED - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Borrower 1 Gap Credit Report is Expired (Greater than 15 days from Closing/Settlement Date allowed by Guidelines). Gap report date is REDACTED and Closing date is REDACTED (REDACTED days). - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. current attached. please scroll bottom of pg to see ran REDACTED - Seller-REDACTED
 Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   85387349 D A D A A A A A Closed FCRE1161 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Flood Certificate Missing Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED
Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. please find attached - Seller-REDACTED
Open-Missing Flood Certificate - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. please find attached - Seller-REDACTED
 Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   82671277 C A A A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF $REDACTED ON THE FINAL CD.  A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF $REDACTED ON THE INITIAL LE   THE LENDER CREDIT DECREASED TO $REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82671277 C A A A C A A A Closed finding-3652 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE   THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82671277 C A A A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82184975 D A A A D A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please attached COC please clear the condition.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please attached COC please clear the condition.  - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   82184975 D A A A D A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached coc .. please clear the condition  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached coc .. please clear the condition  - Seller-REDACTED4
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   82184975 D A A A D A A A Closed FCOM1477 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Missing evidence of rate lock Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached rate lock confirmation . Please clear the condition   - Seller-REDACTED
Open-Evidence of Rate Lock Missing Guidelines require proof of Rate Lock. However, no proof of Rate Lock was located in the file during review. The required proof of Rate Lock is missing. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached rate lock confirmation . Please clear the condition   - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   80327310 D A A A D A A A Closed FCOM1262 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Right of Rescission is Missing Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached.
Thanks! - Buyer-REDACTED
Open-Right of Rescission is Missing - Due Diligence Vendor-REDACTED		   Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83494018 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other    
REDACTED   86896050 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   87474118 D A D A C A A A Closed FCRE4989 REDACTED REDACTED Resolved 1 - Information C A Credit Closing Collections, liens or judgments not paid at closing Resolved-Updated title and recorded affidavit received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached Final title policy removing judgement. Please clear the condition     - Seller-REDACTED
Open-Preliminary Title report (pg. 401) shows a judgment dated REDACTED and filed on REDACTED in favor of REDACTED and against B1 in amount of REDACTED. Must be paid off and removed from title. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached Final title policy removing judgement. Please clear the condition     - Seller-REDACTED
 Resolved-Updated title and recorded affidavit received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   87474118 D A D A C A A A Closed FCRE0360 REDACTED REDACTED Resolved 1 - Information C A Credit Borrower Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Resolved-Statement received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached mtg statement . Please clear the condition  - Seller-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement in file for First lien is not legible. Audit is unable to confirm the exact Principal + Interest amount and Unpaid balance - page 340 - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached mtg statement . Please clear the condition  - Seller-REDACTED
 Resolved-Statement received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   87474118 D A D A C A A A Closed finding-3652 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-Please submit the Change of Circumstance document that corresponds to this LE.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached and please clear the condition   - Seller-REDACTED
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded. Please see the attached and please clear the condition   - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   87474118 D A D A C A A A Closed FCRE2109 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Lender Income Calculation Worksheet Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached REDACTED . Please clear the condition    - Seller-REDACTED
Open--Missing income worksheet required by Guidelines - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached REDACTED . Please clear the condition    - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   81292656 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   87828532 D A D A A A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-First mtg stmt received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage statement within 60 days of note date required - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-First mtg stmt received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   84427110 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   83824052 D A D A C A A A Closed FCRE4369 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Mortgage/Rental lates exceed guidelines Resolved-Credit supplement verifying no lates received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached credit supplement. Please clear the condition    - Seller-REDACTED
Open-Mortgage statement submitted shows a partial payment which is overdue from REDACTED statement - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached credit supplement. Please clear the condition    - Seller-REDACTED
 Resolved-Credit supplement verifying no lates received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83824052 D A D A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF $REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. THE APPRAISAL FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE.  THE APPRAISAL FEE INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED		 COC received - REDACTED
 
Ready for Review-Document Uploaded.  - Seller-REDACTED
       REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83824052 D A D A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. THE APPRAISAL FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE.  THE APPRAISAL FEE INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83824052 D A D A C A A A Closed FCRE1764 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Verification of Mortgage Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-First mortgage statement dated within 60 days of note date required - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89554954 C A A A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached COC . Please clear the condition - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached COC . Please clear the condition - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89554954 C A A A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached COC. Please clear the condition   - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached COC. Please clear the condition   - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89554954 C A A A C A A A Closed finding-3652 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached . Please clear the condition  - Seller-REDACTED
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached . Please clear the condition  - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85076272 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   84079804 B B B B A A A A Closed FCRE1494 REDACTED REDACTED Waived 2 - Non-Material B B Credit QM-ATR ATR: Qualifying Payment Not Properly Considered Waived-Lender qualified First mortgage senior lien at REDACTED vs REDACTED payment amount. Exception approval on page 2 - Due Diligence Vendor-REDACTED   Waived-Lender qualified First mortgage senior lien at REDACTED vs REDACTED payment amount. Exception approval on page 2 - Due Diligence Vendor-REDACTED
   REDACTED   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other Originator Pre-Close Yes
REDACTED   84974430 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   80689981 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   82185620 C B A A A A C B Closed FVAL3954 REDACTED REDACTED Waived 2 - Non-Material C B Property Property Property Damage Waived-Exception in file, page 2, to allow subject property deferred maintenance with a cost to cure of REDACTED.  Guidelines max is REDACTED. - Due Diligence Vendor-REDACTED
Open-- Subject property deferred maintenance amount of REDACTED exceeds Guidelines limit of REDACTED. Lender provided an exception approval on page 2 - Due Diligence Vendor-REDACTED		   Waived-Exception in file, page 2, to allow subject property deferred maintenance with a cost to cure of REDACTED.  Guidelines max is REDACTED. - Due Diligence Vendor-REDACTED
   REDACTED   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation Originator Pre-Close Yes
REDACTED   85640987 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   84832843 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   85065268 D A D A A A A A Closed FCRE2109 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Lender Income Calculation Worksheet Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see attached REDACTED worksheet. Please clear the condition   - Seller-REDACTED
Open-- Missing income worksheet require by Guidelines - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see attached REDACTED worksheet. Please clear the condition   - Seller-REDACTED
       REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   84977814 D B D B C A C B Closed FCRE6911 REDACTED REDACTED Acknowledged 2 - Non-Material C B Credit Eligibility DTI exceeds program maximum Acknowledged-DTI exception received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see the attached revised exception form.
Thanks! - Seller-REDACTED
Counter-DTI exception not documented on exception form.  Please submit additional exception form. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
We granted an exception for this. Please see attached.  We are allowed collections REDACTED  or less to remain open so the REDACTED  does not apply since it is not in repayment, and we can zero out the REDACTED payment per soft pull as well.  Still over REDACTED  though with those two additional debts though.  Not much else we can do here but write up the exceptions.
Thanks!
 - Buyer-REDACTED
Open-DTI of REDACTED  exceeds Guidelines limit of REDACTED - Lender did not apply updated monthly payments on borrower's debts on credit report to DTI. Some balances had changed from the initial pull - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. Hi,
Please see the attached revised exception form.
Thanks! - Seller-REDACTED
Acknowledged-DTI exception received - Due Diligence Vendor-REDACTED
  REDACTED  REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation Originator Post-Close Yes
REDACTED   84977814 D B D B C A C B Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see the credit for -REDACTED  in section J to cure on the final CD.
Thanks! - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THE TAX SERVICE FEE WAS DISCLOSED AS REDACTED  ON THE INITIAL LE.  THE TAX SERVICE FEE INCREASED TO REDACTED  ON THE FINAL CD.  THERE WAS NO TITLE ENDORSEMENT FEE DISCLOSED ON THE INITIAL LE.  A TITLE ENDORSEMENT FEE WAS DISCLOSED AS REDACTED  ON THE FINAL CD.    THE CREDIT REPORT FEE WAS ROUNDED TO THE NEAREST DOLLAR AMOUNT AS ALLOWED ON THE INITIAL LE AND WAS DISCLOSED AS REDACTED  ON THE INITIAL LE  THE CREDIT REPORT FEE INCREASED TO REDACTED  ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. Hi,
Please see the credit for -REDACTED  in section J to cure on the final CD.
Thanks! - Seller-REDACTED
Resolved-Resolved - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84977814 D B D B C A C B Closed finding-3638 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Reimbursement Amount Test Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see the credit for -REDACTED  in section J to cure on the final CD.
Thanks! - Buyer-REDACTED
Open-This loan failed the reimbursement amount test.  (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of REDACTED , is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED .Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. THE TAX SERVICE FEE WAS DISCLOSED AS REDACTED  ON THE INITIAL LE.  THE TAX SERVICE FEE INCREASED TO REDACTED ON THE FINAL CD.  THERE WAS NO TITLE ENDORSEMENT FEE DISCLOSED ON THE INITIAL LE.  A TITLE ENDORSEMENT FEE WAS DISCLOSED AS REDACTED  ON THE FINAL CD.    THE CREDIT REPORT FEE WAS ROUNDED TO THE NEAREST DOLLAR AMOUNT AS ALLOWED ON THE INITIAL LE AND WAS DISCLOSED AS REDACTED  ON THE INITIAL LE  THE CREDIT REPORT FEE INCREASED TO REDACTED  ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED 		   Resolved-Resolved - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84977814 D B D B C A C B Closed FCRE9000 REDACTED REDACTED Acknowledged 2 - Non-Material D B Credit Missing Doc Missing Mortgage Statement Acknowledged-Allow expired first mortgage date due to guideline date limitations - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
We granted an exception for this. Please see attached.
Thanks! - Seller-REDACTED
Open-Missing first mortgage statement dated within 60 days of note date. First mortgage statement is required to be within 60 days of note date. Mortgage statement in file is dated REDACTED . - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. Hi,
We granted an exception for this. Please see attached.
Thanks! - Seller-REDACTED
Acknowledged-Allow expired first mortgage date due to guideline date limitations - Due Diligence Vendor-REDACTED
  REDACTED  REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation Originator Post-Close Yes
REDACTED   84977814 D B D B C A C B Closed FVAL7199 REDACTED REDACTED Acknowledged 2 - Non-Material C B Property Appraisal Appraisal Expired Acknowledged-Allow appraisal w/recert of value over guideline date limitations - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
We granted an exception for this. Please see attached.
Thanks! - Seller-REDACTED
Open-Initial 1004 dated REDACTED .  Recert of value is in file. W/recert appraisal expired REDACTED - REDACTED .  Note date is REDACTED .  - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. Hi,
We granted an exception for this. Please see attached.
Thanks! - Seller-REDACTED
Acknowledged-Allow appraisal w/recert of value over guideline date limitations - Due Diligence Vendor-REDACTED
  REDACTED  REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation Originator Post-Close Yes
REDACTED   87718072 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other    
REDACTED   87444024 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   88872488 D A D A A A A A Closed FCRE1328 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 W2/1099 Missing Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED
Resolved-W2 Transcripts received - Due Diligence Vendor-REDACTED
Counter-Guidelines REDACTED Full Doc require both the W2s and tracripts to verify the W2s. Any exception will need to be approved by REDACTED. Lender to advise if requesting an exception from REDACTED .  If an exception is approved, please submit a copy of the email chain with REDACTED  approval AND a completed exception form with UW signature and compensating factors.

Requirements:

Wage/Salaried borrowers:
• W-2s for most recent 1 or 2-years and current paystubs reflecting 30 days earnings
• W-2 transcripts. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. The borrower didn't have the actual employer issued W2's which is why the borrower pulled the W2 transcripts from the IRS website.  The employer issued W2's would show the same exact information.  Please escalate this for clearing - Seller-REDACTED
Counter-W2s required in addition to transcripts. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 W2/1099 Missing Guidelines page 22 require that Wage/Salaried borrowers provide for most recent W2s . However, no W2s were located in the file during review for the borrower. The 2023 W-2 for Borrower 1 is missing. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. The borrower didn't have the actual employer issued W2's which is why the borrower pulled the W2 transcripts from the IRS website.  The employer issued W2's would show the same exact information.  Please escalate this for clearing - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED
 Resolved-W2 Transcripts received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   88872488 D A D A A A A A Closed FCRE1365 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 IRS Transcripts Missing Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 2 IRS Transcripts Missing Guidelines page 22 require IRS Transcripts for Wage/Salaried borrowers. However, no W2 IRS Transcripts were located in the file during review for the borrower. The W2 IRS Transcripts for Borrower 2 are missing. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals REDACTED ) - Due Diligence Vendor-REDACTED  
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   88872488 D A D A A A A A Closed FCRE1148 REDACTED REDACTED Resolved 1 - Information C A Credit Title Title Coverage is Less than Subject Lien(s) Total Resolved-Title Coverage Amount of REDACTED  is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Title policy for loan amount of REDACTED  - Seller-REDACTED
Open-Title Coverage Amount of REDACTED  is Less than Total Amount of Subject Lien(s) Title coverage of REDACTED  required. However, title page 314 reflects coverage of REDACTED . Title coverage is REDACTED  less than required. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. Title policy for loan amount of REDACTED  - Seller-REDACTED
Resolved-Title Coverage Amount of REDACTED  is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83894568 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   87265493 D A D A A A A A Closed FCRE1328 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 W2/1099 Missing Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 W2/1099 Missing
2 years W2s required
 - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   87697185 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   86910482 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   82614932 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   81737503 D A D A D A A A Closed FCOM5135 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Missing Required Affiliated Business Disclosure Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Resolved - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81737503 D A D A D A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED  
Open-Borrower 1 IRS Transcripts Missing - Per Guidelines dated REDACTED, W2-Transcripts are required for wage earners.

REDACTED  Full Income Documentation
REDACTED Full Doc for Stand-Alone

Tax transcripts.
Wage/Salaried borrowers:
•W-2 transcripts. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81737503 D A D A D A A A Closed FCRE1334 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Executed 4506-T Missing Resolved-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 Executed 4506-T Missing - Per Guidelines dated REDACTED , page 23, 4506-C is required for salaried co-borrowers - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81737503 D A D A D A A A Closed FCRE2109 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Lender Income Calculation Worksheet Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Income calculation on UW 1008 - Seller-REDACTED
Open-- Missing income worksheet required by Guidelines dated REDACTED

REDACTED  Underwriting Documentation
All loans must be manually underwritten. The Underwriting Approval, Income Calculation Worksheet, and the Underwriter’s determination of ATR is required as part of the credit package. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. Income calculation on UW 1008 - Seller-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89441418 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-Resolved - UDN debt montioring in file - Due Diligence Vendor-REDACTED  
Ready for Review-according to my Underwriter the initial credit report is dated REDACTED  and the credit monitoring was started REDACTED. Is the gap credit report still required?

Thanks! - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing Gap credit report dated within 15 days of Note is required. - Due Diligence Vendor-REDACTED 		 Ready for Review-according to my Underwriter the initial credit report is dated REDACTED and the credit monitoring was started REDACTED . Is the gap credit report still required?

Thanks! - Seller-REDACTED
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
 Resolved-Resolved - UDN debt montioring in file - Due Diligence Vendor-REDACTED
      Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82362061 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   89019907 D B D B A A A A Closed FCRE1335 REDACTED REDACTED Acknowledged 2 - Non-Material D B Credit Missing Doc Borrower 1 IRS Transcripts Missing Acknowledged-W2 transcripts dated post-close/disbursement date received - Due Diligence Vendor-REDACTED
Counter-W2 transcripts are required per REDACTED guidelines for wage earners. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing - Guidelines require W2 transcripts for wage earners - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Acknowledged-W2 transcripts dated post-close/disbursement date received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation Originator Post-Close No
REDACTED   89019907 D B D B A A A A Closed FCRE1329 REDACTED REDACTED Resolved 1 - Information C A Credit Income/Employment Borrower 1 W2/1099 Less Than 24 Months Provided Resolved-Borrower 1 W2/1099 Less Than 24 or More Months Provided Condition Resolved - Due Diligence Vendor-REDACTED  
Resolved-Received - Due Diligence Vendor-REDACTED  
Ready for Review-Document Uploaded.  - Seller-REDACTED  
Open-Borrower 1 W2/1099 Less Than 24 Months Provided - Lender qualified Borrower using Commission income and loan file contains most recent paystub and 1 year W2, however per REDACTED  selling Guide, One of the following must be obtained to document commission income: a completed Request for Verification of Employment (Form 1005), or the borrower’s recent paystub and IRS W-2 forms covering the most recent two-year period. UW comments state 2 year average without 2 years verified in file. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Borrower 1 W2/1099 Less Than 24 or More Months Provided Condition Resolved - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84401535 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   84272996 D B C B D A A A Closed FCRE8201 REDACTED REDACTED Waived 2 - Non-Material C B Credit Eligibility Loan does not conform to program guidelines Waived-Exception approved by REDACTED , documentation in file. Existing mortgage shows capitalized interest balance.  A home afforadable modification was completed.  No payments on deferred balance.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Need REDACTED  email agreement to this exception submitted.

*EXCEPTION ON PAGE 356*

Per the guidelines, loans in active deferment are not eligible. This loan has had a modification that has had a partial deferment. There is an exception to allow this on page 356.  - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Waived-Exception approved by REDACTED , documentation in file. Existing mortgage shows capitalized interest balance.  A home afforadable modification was completed.  No payments on deferred balance.  - Due Diligence Vendor-REDACTED
  REDACTED  REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation Originator Pre-Close Yes
REDACTED   84272996 D B C B D A A A Closed finding-3415 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees High-Cost Mortgage Date the Rate Was Set Validation Test Resolved- - Due Diligence Vendor-REDACTED
Open-This loan failed the date the rate was set validation test. ( 12 CFR §1026.32(1)(i)(A), (C) )This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. - Due Diligence Vendor-REDACTED 		   Resolved- - Due Diligence Vendor-REDACTED
      Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84272996 D B C B D A A A Closed FCOM8227 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc TRID: Missing Loan Estimate Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Initial Loan Estimate is Missing. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84272996 D B C B D A A A Closed FCOM1231 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc The Initial 1003 is Missing Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED  
Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84272996 D B C B D A A A Closed FCRE5790 REDACTED REDACTED Resolved 1 - Information C A Credit Closing Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). The most recent CR on file is dated REDACTED . The Note date is REDACTED.  - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED  
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84272996 D B C B D A A A Closed FCOM5135 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Missing Required Affiliated Business Disclosure Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
      REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89623269 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing Guidelines require a GAP credit report within 15 days of note date. However, the most recent credit report dated REDACTED  days from note date. No GAP report as required was located in the file during review.
 - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED  
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   80277711 C A C A A A A A Closed FCRE5790 REDACTED REDACTED Resolved 1 - Information C A Credit Closing Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED
Resolved-UDN active - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-Fraud Report received, please submit UDN for gap. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. We use the undisclosed debt monitoring in place of gap credit reports - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). The most recent credit report in the file is dated REDACTED . The Note date is REDACTED . Gap credit is older than 15 days. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded. We use the undisclosed debt monitoring in place of gap credit reports - Seller-REDACTED
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED
 Resolved-UDN active - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   88814386 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   87666930 D B D B A A A A Closed FCRE1335 REDACTED REDACTED Acknowledged 2 - Non-Material D B Credit Missing Doc Borrower 1 IRS Transcripts Missing Acknowledged-Transcripts received - dated after closing date. Finding Acknowleged/B. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. REDACTED  &REDACTED  W2 Transcripts - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing W2 transcripts required - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. REDACTED  & REDACTED  W2 Transcripts - Seller-REDACTED
Acknowledged-Transcripts received - dated after closing date. Finding Acknowleged/B. - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other Originator Post-Close No
REDACTED   83983361 D A D A A A A A Closed FCRE2109 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Lender Income Calculation Worksheet Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-The Income Calculation Worksheet is not in the file. Per the guidelines, this is required.

Per the guidelines on page 7, "Underwriting Approval, Income Calculation Worksheet, and the Underwriter’s determination of ATR is required as part of the credit package."  - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Other N/A N/A
REDACTED   89118745 D A C A D A A A Closed FCRE9592 REDACTED REDACTED Resolved 1 - Information C A Credit Title Lien position GREATER than 2 Resolved-Title Supplement letter confirming removal on FTP - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached showing ucc lien has been removed item REDACTED and REDACTED  . Please clear the condition   - Seller-REDACTED
Open-Solarcity UCC lien/financing statement required to be paid off/released - removed from title.  - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. Please see the attached showing ucc lien has been removed item REDACTED  and REDACTED. Please clear the condition   - Seller-REDACTED
Resolved-Title Supplement letter confirming removal on FTP - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89118745 D A C A D A A A Closed FCRE1116 REDACTED REDACTED Resolved 1 - Information C A Credit Closing Security Instrument Date does not equal Note Date Resolved-Security Instrument Date matches Note Date - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Security Instrument Date does not match the Note Date - The Deed of Trust is Missing  - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Security Instrument Date matches Note Date - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89118745 D A C A D A A A Closed FCOM1220 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc The Deed of Trust is Missing Resolved-The Deed of Trust is Present - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-The Deed of Trust is Missing - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-The Deed of Trust is Present - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89118745 D A C A D A A A Closed finding-3652 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (REDACTED 0) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED ). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED  ON THE REVISED LE DATED REDACTED .  THE LENDER CREDIT DECREASED TO REDACTED  ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-COC received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   85862319 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   80082020 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   82163222 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation    
REDACTED   82393225 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   84381407 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   84303012 D A D A A A A A Closed FCRE9592 REDACTED REDACTED Resolved 1 - Information C A Credit Title Lien position GREATER than 2 Resolved-Solar agreement reviewed - item REDACTED  indicates no encumbrance. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED  
Counter-Please provide a copy of the recorded solar contract for review. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-Investor review -REDACTED  - may remain on title if the recorded document is provided that proves there is no encumbrance on the property. - Due Diligence Vendor-REDACTED
Counter-Updated title received.  REDACTED  - no longer blank.  UCC lien moved to item REDACTED .  UCC lien must be terminated and removed from title.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Title - Page 292, REDACTED is blank (why? - should not be blank), Item REDACTED  is a solar lien that must be removed/released. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED  
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Solar agreement reviewed - item REDACTED  indicates no encumbrance. - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   84303012 D A D A A A A A Closed FCRE1316 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 3rd Party VOE Prior to Close Missing vvoe for borrower prior to closing is missing - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded.  - Seller-REDACTED
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   82727066 D A D A D A A A Closed FCRE8201 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Loan does not conform to program guidelines Resolved-Verification proceeds from second went to purchase/combined with first, no cash back to borrower. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached "1st loan CD. Page 3. Section L. Adjustments. It shows the REDACTED  loan proceeds of REDACTED . Please then refer to the matching "2nd loan CD" which is the Cd from this transaction.
Thanks! - Seller-REDACTED
Counter-Please submit the full settlement statement for the 1st and 2nd loans for verification that the "cash out" went toward the purchase of the property. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
That is correct. Our loan is a piggyback second. Please see the attached AUS findings for the 1st loan.
Thanks! - Buyer-REDACTED
Open-Final CD shows this as a purchase with cash back to borrower.  Lender to advise.  - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. Hi,
Please see attached "1st loan CD. Page 3. Section L. Adjustments. It shows the REDACTED loan proceeds of REDACTED. Please then refer to the matching "2nd loan CD" which is the Cd from this transaction.
Thanks! - Seller-REDACTED
Resolved-Verification proceeds from second went to purchase/combined with first, no cash back to borrower. - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Purchase NA N/A N/A
REDACTED   82727066 D A D A D A A A Closed FCRE1316 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
Resolved-. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached final VOE.
Thanks! - Seller-REDACTED
Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE prior to closing for borrower #1. Closing date REDACTED . WVOE is dated REDACTED  see pg 237 - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. Hi,
Please see attached final VOE.
Thanks! - Seller-REDACTED
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
 Resolved-. - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Purchase NA N/A N/A
REDACTED   82727066 D A D A D A A A Closed FCOM5135 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Missing Required Affiliated Business Disclosure Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached affiliated business agreement.
Thanks! - Seller-REDACTED
Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. Hi,
Please see attached affiliated business agreement.
Thanks! - Seller-REDACTED
      REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Purchase NA N/A N/A
REDACTED   82727066 D A D A D A A A Closed FCOM1266 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Homeownership Counseling Disclosure Is Missing Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached Homeownership Counselling Disclosure.
Thanks! - Buyer-REDACTED
Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED 		         REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Purchase NA N/A N/A
REDACTED   82727066 D A D A D A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached soft pull report.
Thanks! - Buyer-REDACTED
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED 		   Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Purchase NA N/A N/A
REDACTED   82727066 D A D A D A A A Closed FCRE5783 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 Gap Credit Report is Missing Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached soft pull report.
Thanks! - Buyer-REDACTED
Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED 		   Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Purchase NA N/A N/A
REDACTED   81808722 C A C A C A A A Closed FCRE1160 REDACTED REDACTED Resolved 1 - Information C A Credit Insurance Hazard Insurance Expiration Date is before the Note Date Resolved-Document Uploaded.  - Due Diligence Vendor-REDACTED
Resolved-Hazard Insurance Expiration Date of REDACTED  is after the Note Date of REDACTED  Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-REDACTED
Resolved-HOi received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached correct Hazard Ins.  Please clear the condition    - Seller-REDACTED
Open-Hazard Insurance Expiration Date of REDACTED  is prior to or equal to the Note Date of REDACTED  Hazard Insurance Expiration Date of REDACTED  pages 151 & 474 is prior to the Note Date of REDACTED  page 81. No additional insurance documentation was located in the file to cure. - Due Diligence Vendor-REDACTED 		 Ready for Review-Document Uploaded. Please see the attached correct Hazard Ins.  Please clear the condition    - Seller-REDACTED
Resolved-Document Uploaded.  - Due Diligence Vendor-REDACTED
 Resolved-Hazard Insurance Expiration Date of REDACTED  is after the Note Date of REDACTED  Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-REDACTED  
 Resolved-HOi received - Due Diligence Vendor-REDACTED
    REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   81808722 C A C A C A A A Closed FCRE1166 REDACTED REDACTED Resolved 1 - Information A A Credit Insurance Hazard Insurance Coverage is less than all Subject Lien(s) Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-REDACTED
Resolved-Additional coverage A shown on other finding upload. Resolved. - Due Diligence Vendor-REDACTED
Counter-Lender highlighted personal property coverage on HOI resubmission. Verification of additional coverage A - dwelling coverage is required. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached

REDACTED to REDACTED = REDACTED + (REDACTED) REDACTED =REDACTED  - Seller-REDACTED
Open-Hazard Insurance Coverage Amount of REDACTED is less than Total Amount of Subject Lien(s) of REDACTED Guidelines page 10 require the coverage amount must be at least equal to the lesser of: 100% of the replacement cost of the improvements as of the current property insurance effective date, or the unpaid principal balance of all liens, provided it equals no less than the replacement cost value of the improvements. However, no estimated replacement cost was provided and coverage of REDACTED is reflected on hazard coverage page 151 with total unpaid balance equal to REDACTED. The Hazard coverage is REDACTED under the required amount required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached.
REDACTED to REDACTED = REDACTED + (REDACTED) REDACTED =REDACTED  - Seller-REDACTED
 Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-REDACTED
 Resolved-Additional coverage A shown on other finding upload. Resolved. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   81808722 C A C A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached cic/ coc . please clear the condition   - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached cic/ coc . please clear the condition   - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   81808722 C A C A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached cic/ coc . please clear the condition   - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached cic/ coc . please clear the condition   - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   86284249 C A C A A A A A Closed FCRE9592 REDACTED REDACTED Resolved 1 - Information C A Credit Title Lien position GREATER than 2 Resolved-Title Supplement confirming solar lien/UCC will not be on FTP received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached removing UCC LIEN. Please clear the condition        - Seller-REDACTED
Counter-Documents submitted were reviewed.  Guidelines require solar liens to be paid-off prior to or at closing.  Any exception would have to be approved by REDACTED. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached as well as the highlighted verbiage. Please clear the condition.     - Seller-REDACTED
Open-Solar lien Item REDACTED on title must be released/removed. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached removing UCC LIEN. Please clear the condition        - Seller-REDACTED
 Ready for Review-Document Uploaded. Please see the attached as well as the highlighted verbiage. Please clear the condition.     - Seller-REDACTED
 Resolved-Title Supplement confirming solar lien/UCC will not be on FTP received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89859360 D A D A C A A A Closed FCRE9000 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Mortgage Statement Resolved-Statement received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-The first mortgage statement (not credit report/supplement) from the lender dated within 60 days of note date is required per guidelines. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached credit supp . Please clear the condition     - Seller-REDACTED
Counter-The first mortgage statement (not credit report/supplement) from the lender dated within 60 days of note date is required per guidelines. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached mtg rating . Please clear the condition  - Seller-REDACTED
Open-Missing first mortgage statement dated within 60 days of note date. First mortgage statement in file is from REDACTED, over 60 days old.  Mortgage statement within 60 days of note date is required.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded. Please see the attached credit supp . Please clear the condition     - Seller-REDACTED
 Ready for Review-Document Uploaded. Please see the attached mtg rating . Please clear the condition  - Seller-REDACTED
 Resolved-Statement received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89859360 D A D A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD.  NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  A LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE LOAN ORIGINATION FEE INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89859360 D A D A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). NO POINTS WERE DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  A LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE LOAN ORIGINATION FEE INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89859360 D A D A C A A A Closed finding-3652 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89859360 D A D A C A A A Closed FCRE1334 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Executed 4506-T Missing Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see the attached 4506C . Please clear the condition   - Seller-REDACTED
Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see the attached 4506C . Please clear the condition   - Seller-REDACTED
 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82162241 C A C A A A A A Closed FCRE9592 REDACTED REDACTED Resolved 1 - Information C A Credit Title Lien position GREATER than 2 Resolved-Document Uploaded. Both UCC liens removed from FTP uploaded on REDACTED - resolved - Due Diligence Vendor-REDACTED
Counter-FTP received.  FTP addendums needed. - Due Diligence Vendor-REDACTED
Counter-Please submit addendum included with FTP - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Title shows UCC lien that must be paid in full/released - item REDACTED & REDACTED on title.  Also on title, REDACTED is blank - must be corrected. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Document Uploaded. Both UCC liens removed from FTP uploaded on REDACTED - resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FVAL8946 REDACTED REDACTED Acknowledged 2 - Non-Material D B Property Missing Doc Missing Appraisal Acknowledged- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. CDA uploaded, thanks - Seller-REDACTED
Open-Desk review missing - required for investment property - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. CDA uploaded, thanks - Seller-REDACTED
       REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation Investor Post-Close No
REDACTED   83183885 D B D A D A D B Closed FCRE1764 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Verification of Mortgage Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached credit supplement for verification of mortgage.
Thanks! - Buyer-REDACTED
Open-Missing verification of mortgage for subject property First Lien required by Guidelines for Standalone loans. - Due Diligence Vendor-REDACTED		         REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE8611 REDACTED REDACTED Resolved 1 - Information C A Credit Income/Employment Income/Employment General Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached mortgage statement and property profile.
Thanks! - Seller-REDACTED
Open-Missing supporting documentation to verify monthly payments of REDACTED residence listed on Final 1003:
- REDACTED - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached mortgage statement and property profile.
Thanks! - Seller-REDACTED
       REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached soft pull.
Thanks! - Buyer-REDACTED
Open-Borrower 1 Gap Credit Report is Missing - Missing Gap credit report required by Guidelines - Due Diligence Vendor-REDACTED		   Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached statement, and updated VOM credit supplement.
Thanks! - Seller-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage statement within 60 days of note date needed. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached statement, and updated VOM credit supplement.
Thanks! - Seller-REDACTED
 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE5783 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 Gap Credit Report is Missing Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached soft pull.
Thanks! - Seller-REDACTED
Open-Borrower 2 Gap Credit Report is Missing - Missing Gap credit report required by Guidelines - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached soft pull.
Thanks! - Seller-REDACTED
 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE7497 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached mortgage statement. **The property address is verified at the very top left on page 2.
Thanks! - Seller-REDACTED
Open-Missing supporting documentation to verify monthly payments of the following other REO listed on Final 1003:
REDACTED - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached mortgage statement. **The property address is verified at the very top left on page 2.
Thanks! - Seller-REDACTED
       REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE1201 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached fraud report.
Thanks! - Seller-REDACTED
Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached fraud report.
Thanks! - Seller-REDACTED
 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE1173 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc HO6 Master Insurance Policy is Missing Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached master policy.
Thanks! - Buyer-REDACTED
Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-REDACTED		   Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCOM1231 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc The Initial 1003 is Missing Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see signed initial 1003.
Thanks! - Seller-REDACTED
Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see signed initial 1003.
Thanks! - Seller-REDACTED
 Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCOM5135 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Missing Required Affiliated Business Disclosure Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE1437 REDACTED REDACTED Resolved 1 - Information C A Credit Income/Employment Income and Employment Do Not Meet Guidelines Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached income for both borrowers.
Thanks! - Seller-REDACTED
Open-Income and Employment Do Not Meet Guidelines - Missing income documentation to verify Borrower 1 monthly income of REDACTED and Borrower 2 monthly income of REDACTED per Final 1003 page 147
 - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached income for both borrowers.
Thanks! - Seller-REDACTED
       REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE1328 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 W2/1099 Missing Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached B1 W2
Thanks! - Buyer-REDACTED
Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-REDACTED		   Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE1360 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 Paystubs Missing Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached B2 paystubs.
Thanks! - Buyer-REDACTED
Open-Borrower 2 Paystubs Missing - Due Diligence Vendor-REDACTED		   Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE1358 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 W2/1099 Missing Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached B2 W2
Thanks! - Buyer-REDACTED
Open-Borrower 2 W2/1099 Missing - Due Diligence Vendor-REDACTED		   Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE1330 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Paystubs Missing Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached B1 paystubs.
Thanks! - Buyer-REDACTED
Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-REDACTED		   Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE1365 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 IRS Transcripts Missing Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Buyer-REDACTED
Open-Borrower 2 IRS Transcripts Missing - Missing Borrower 2 W2 transcripts required by Guidelines - Due Diligence Vendor-REDACTED		   Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83183885 D B D A D A D B Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached.
Thanks! - Seller-REDACTED
Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Open-Borrower 1 IRS Transcripts Missing - Missing Borrower 1 W2 transcripts required by Guidelines - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached.
Thanks! - Seller-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86170583 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   85287244 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   82365153 D B D B A A A A Closed FCRE0360 REDACTED REDACTED Acknowledged 2 - Non-Material C B Credit Borrower Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Acknowledged-Exception received - first mortgage statement expired - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. hi,
Please see the attached approved exception.
Thanks! - Seller-REDACTED
Counter-Terms verified, however, a credit supplement cannot be used in place of the first mortgage statement.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see updated credit supplement to verify terms.
Thanks! - Buyer-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Mortgage statement from REDACTED is dated more than 60 days prior to Note date of REDACTED. Updated mortgage statement within 60 days of note date is required.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. hi,
Please see the attached approved exception.
Thanks! - Seller-REDACTED
 Acknowledged-Exception received - first mortgage statement expired - Due Diligence Vendor-REDACTED
   REDACTED REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation Originator Post-Close Yes
REDACTED   82365153 D B D B A A A A Closed FCRE1316 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
Resolved-VVOE received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see B1 VVOE
Thanks! - Buyer-REDACTED
Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED		   Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
 Resolved-VVOE received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82365153 D B D B A A A A Closed FCRE1347 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 3rd Party VOE Prior to Close Missing Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Resolved-VVOE received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see B2 VVOE
Thanks! - Buyer-REDACTED
Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED		   Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
 Resolved-VVOE received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82365153 D B D B A A A A Closed FCRE1440 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Housing History Does Not Meet Guideline Requirements Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached Credit supplement. The loan was not paid mo0re than 30 days late.
Thanks! - Buyer-REDACTED
Open-First (outdated)mortgage statement in file shows late charges for REDACTED and REDACTED. Late payments in the past 12 months are not allowed per guidelines.  - Due Diligence Vendor-REDACTED		   Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84081356 C A A A C A A A Closed finding-3638 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Reimbursement Amount Test Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see the attached Post close CD to cure below.
Thanks! - Buyer-REDACTED
Open-This loan failed the reimbursement amount test.  (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. THERE WAS NO TITLE ENDORSEMENT FEE DISCLOSED ON THE INITIAL LE.  A TITLE ENDORSEMENT FEE OF REDACTED WAS DISCLOSED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  THE CREDIT REPORT INCREASED BY REDACTED FROM THE THE INITIAL LE TO THE FINAL CD.  A LENDER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD TO CURE THAT INCREASE.   - Due Diligence Vendor-REDACTED		   Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84081356 C A A A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see the attached Post close CD to cure below.
Thanks! - Buyer-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THERE WAS NO TITLE ENDORSEMENT FEE DISCLOSED ON THE INITIAL LE.  A TITLE ENDORSEMENT FEE OF REDACTED WAS DISCLOSED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  THE CREDIT REPORT INCREASED BY REDACTED FROM THE THE INITIAL LE TO THE FINAL CD.  A LENDER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD TO CURE THAT INCREASE.   - Due Diligence Vendor-REDACTED		   Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85846338 D A D A D A A A Closed FCRE1440 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Housing History Does Not Meet Guideline Requirements Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached MTG statement.
Thanks! - Buyer-REDACTED
Open-Housing History Does Not Meet Guideline Requirements First mortgage statement within 60 days of note date required - Due Diligence Vendor-REDACTED		         REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85846338 D A D A D A A A Closed FCRE5770 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Credit Report is Missing Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached credit report.
Thanks! - Buyer-REDACTED
Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-REDACTED		   Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85846338 D A D A D A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached VOM and MTG statement.
Thanks! - Seller-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Missing updated documentation (mortgage statement) to verify first lien mortgage for subject property. Lender provided only Deed of Trust of First lien - page 84 - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached VOM and MTG statement.
Thanks! - Seller-REDACTED
 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
 Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85846338 D A D A D A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached gap credit report.
Thanks! - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached gap credit report.
Thanks! - Seller-REDACTED
 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85846338 D A D A D A A A Closed FCOM1266 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Homeownership Counseling Disclosure Is Missing Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. HOC uploaded for clearance, thanks!  - Seller-REDACTED
Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached.
Thanks! - Buyer-REDACTED
Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. HOC uploaded for clearance, thanks!  - Seller-REDACTED
       REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85846338 D A D A D A A A Closed FCRE1316 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached VOE for REDACTED, and proof REDACTED is REDACTED.
Thanks! - Seller-REDACTED
Open-Borrower 1 3rd Party VOE Prior to Close Missing - Verification of Employment in file reflects Employer name as REDACTED, however, Final 1003 reflects Borrower is employed by REDACTED. Loan file does not contain letter of explanation to determine the relationship between both companies. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached VOE for REDACTED, and proof REDACTED is REDACTED.
Thanks! - Seller-REDACTED
 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
 Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85846338 D A D A D A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached transcripts.
Thanks! - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing - W2 Transcripts are required for wage earners. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached transcripts.
Thanks! - Seller-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
 Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85846338 D A D A D A A A Closed FCRE1437 REDACTED REDACTED Resolved 1 - Information C A Credit Income/Employment Income and Employment Do Not Meet Guidelines Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached income.
Thanks! - Buyer-REDACTED
Open-Income and Employment Do Not Meet Guidelines - Missing income documentation for Borrower's two sources of income per Final 1003. As a result, Audit is unable to verify qualifying income used by lender
REDACTED - Base income - REDACTED
REDACTED - Bonus income - REDACTED
Other - Other income - REDACTED

 - Due Diligence Vendor-REDACTED		   Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85846338 D A D A D A A A Closed FCRE1201 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached Fraud Report.
Thanks! - Seller-REDACTED
Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached Fraud Report.
Thanks! - Seller-REDACTED
 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
 Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85846338 D A D A D A A A Closed FCOM5135 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Missing Required Affiliated Business Disclosure Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached LOE.
Thanks! - Buyer-REDACTED
Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED		   Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84966793 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   80018141 D A D A A A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see REDACTED and REDACTED W-2 transcripts.
Thanks! - Buyer-REDACTED
Open-Borrower 1 IRS Transcripts Missing - Missing W2 transcripts required by Guidelines for wage earners - Due Diligence Vendor-REDACTED		         REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84318834 C A A A A A C A Closed FPRO1245 REDACTED REDACTED Resolved 1 - Information C A Property Appraisal Appraisal is Expired Resolved-. - Due Diligence Vendor-REDACTED
Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. New Appraisal attached - Seller-REDACTED
Counter-The recertification date is not the date from which the appraisal age is measured. Appraisal in file is dated REDACTED. Recert of value in file as 1004D dated REDACTED, however, appraisal is still REDACTED days old. CDA in file as secondary value. Full appraisal is required due to loan amount. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. See attached appraisal RE-cert dated REDACTED - it was included in initial package.   Thank you  - Seller-REDACTED
Open-Primary Value Appraisal is Expired Appraisal is expired. Appraisal in file is dated REDACTED.  Recert of value in file as 1004D dated REDACTED, however, appraisal is still REDACTED days old.  CDA in file as secondary value. Full appraisal is required due to loan amount.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. New Appraisal attached - Seller-REDACTED
 Ready for Review-Document Uploaded. See attached appraisal RE-cert dated REDACTED - it was included in initial package.   Thank you  - Seller-REDACTED
 Resolved-. - Due Diligence Vendor-REDACTED
 Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   81332752 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other    
REDACTED   87668597 D A D A A A A A Closed FCRE1365 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 IRS Transcripts Missing Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. 1040 Tax transcripts are provided, UW noted we do not need both - Seller-REDACTED
Open-Borrower 2 IRS Transcripts Missing W2 transcripts required - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. 1040 Tax transcripts are provided, UW noted we do not need both - Seller-REDACTED
 Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   87668597 D A D A A A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. 1040 Tax transcripts are provided, UW noted we do not need both - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing W2 transcripts required - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. 1040 Tax transcripts are provided, UW noted we do not need both - Seller-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   88656489 C A C A C A A A Closed FCOM7457 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Loan exceeds Federal Higher Priced/Section 35 thresholds Resolved-Resolved - discount points were not marked as bonafide previously, loan is not HPML. Okay to proceed with AVM valuation. - Due Diligence Vendor-REDACTED
Counter-Lender to advise of changes from submission vs. post closing report - Due Diligence Vendor-REDACTED
Counter-REDACTED re-run from lender uploaded reflects loan is a HPML.  TPR re-run also still reflects HPML. HPML requires a full appraisal which cannot be waived= and cannot have delivery to borrower waived. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Valuation used is an AVM and PCI.  Loan is HPML.  Lender'sREDACTED reflect HPML. TPR indicates HPML.  A full appraisal is required on HPML loans. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Resolved - discount points were not marked as bonafide previously, loan is not HPML. Okay to proceed with AVM valuation. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   88656489 C A C A C A A A Closed FCRE5047 REDACTED REDACTED Resolved 1 - Information C A Credit Title Amount of title insurance is less than mortgage amount Resolved-FTP covering loan amount received. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Title policy amount of REDACTED is less than loan amount of REDACTED. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-FTP covering loan amount received. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89953870 D A D A A A A A Closed FCRE1201 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
Resolved-Report received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
 Resolved-Report received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83303058 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   86704383 D A D A A A A A Closed FCRE1201 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Fraud Report attached - Seller-REDACTED
Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Fraud Report attached - Seller-REDACTED
 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86704383 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Credit gap addressed with UDN attached - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing credit report is dated REDACTED and Note date is REDACTED more than 30 days therefore Gap report is required - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Credit gap addressed with UDN attached - Seller-REDACTED
 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86704383 D A D A A A A A Closed FCRE1316 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. FVOE Attached - Seller-REDACTED
Open-Borrower 1 3rd Party VOE Prior to Close Missing WVOE is dated REDACTED Note date is REDACTED. VVOE is required prior to closing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. FVOE Attached - Seller-REDACTED
 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86704383 D A D A A A A A Closed FCRE1330 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Paystubs Missing Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Paystub attached - Seller-REDACTED
Open-Borrower 1 Paystubs Missing year end paystubs for REDACTED andREDACTED were provided. Missing 1 months current paystubs - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Paystub attached - Seller-REDACTED
 Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82080657 D A D A A A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hello - Please see attached e-mail between REDACTED and REDACTED showing locked and delivered as 1 yr income doc - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing W2 transcripts (not tax return) transcripts are required. Loan submitted as 2 year full doc. Last two years of W2 transcripts are required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hello - Please see attached e-mail between REDACTED and REDACTED showing locked and delivered as 1 yr income doc - Seller-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87157654 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other    
REDACTED   89939468 D A D A C A A A Closed FCOM6722 REDACTED REDACTED Resolved 1 - Information C A Compliance Closing Mortgage not properly executed Resolved-Recorded DOT & final title received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see attached Final TPOL and SI - Seller-REDACTED
Counter-Investor requirements to clear condition are a copy of the recorded deed of trust and a copy of the final title opinion to ensure the county and title company have accepted DOT/mortgage as presented. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Mortgage/DOT only has one witness. There is a space for two witnesses.  Two witnesses are required in REDACTED.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see attached Final TPOL and SI - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Recorded DOT & final title received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89939468 D A D A C A A A Closed FCRE1161 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Flood Certificate Missing Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED
Resolved-Flood certificate - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Missing Flood Certificate - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED
 Resolved-Flood certificate - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   84190997 D A D A A A A A Closed FCRE1157 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Hazard Insurance Policy is Missing Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED
Resolved-HOI received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Buyer-REDACTED
Open-Missing Hazard Insurance Policy Hazard Insurance Policy is required for the subject property, However, no Hazard Insurance Policy was located in the field for the subject property. Hazard Insurance Policy is missing for the subject property. - Due Diligence Vendor-REDACTED		   Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED
 Resolved-HOI received - Due Diligence Vendor-REDACTED
   REDACTED REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   84190997 D A D A A A A A Closed FCRE1201 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
Resolved-Fraud report received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Final fraudguard uploaded - Buyer-REDACTED
Open-Missing Third Party Fraud Report Guidelines require that all loans must include a third-party fraud detection report for all borrowers. However, no third-party fraud detection report for the Borrower was located in the file during review. - Due Diligence Vendor-REDACTED		   Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
 Resolved-Fraud report received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   86925059 D A D A A A A A Closed FCRE1193 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Audited DTI Exceeds Guideline DTI Resolved-Document Uploaded. Per lender, loan is locked as REDACTED not as an REDACTED. DTI within REDACTED guidelines.  - Due Diligence Vendor-REDACTED
Open-REDACTED on a REDACTED - max DTI is REDACTED% per guidelines.  DTI is REDACTED%.  - Due Diligence Vendor-REDACTED		   Resolved-Document Uploaded. Per lender, loan is locked as REDACTED not as an REDACTED. DTI within REDACTED guidelines.  - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Purchase NA N/A N/A
REDACTED   86925059 D A D A A A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOR/VOM for REDACTED at REDACTED is missing from loan file.  Mortgages on credit report are on REDACTED and REDACTED property. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Purchase NA N/A N/A
REDACTED   89478048 D A D A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached COC form.
Thanks! - Buyer-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TO THE AMOUNT OFREDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		   Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89478048 D A D A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached COC form.
Thanks! - Buyer-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED  ON THE INITIAL LE.  POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE - Due Diligence Vendor-REDACTED		   Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89478048 D A D A C A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached transcripts for B1.
Thanks! - Buyer-REDACTED
Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-REDACTED		   Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   88505944 D A D A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. See attached LOX with CD & COC - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. See attached LOX with CD & COC - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88505944 D A D A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. See attached LOX with CD & COC - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. See attached LOX with CD & COC - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88505944 D A D A C A A A Closed FCRE1328 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 W2/1099 Missing Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED
Resolved-W2s received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. The REDACTED W2 is attached to the REDACTED W2. Please see attached & clear. - Seller-REDACTED
Open-Borrower 1 W2/1099 Missing REDACTED W2 is missing from loan file. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. The REDACTED W2 is attached to the REDACTED W2. Please see attached & clear. - Seller-REDACTED
 Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED
 Resolved-W2s received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88505944 D A D A C A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Transcripts attached - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Transcripts attached - Seller-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   84478564 D A D A A A A A Closed FCRE1158 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Hazard Insurance Policy is Partial Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Post CD provided in closing package on page REDACTED, shows the disbursement date of REDACTED.
Subject property was insured prior to closing. Please help waiving this condition.  - Seller-REDACTED
Open-Hazard Insurance Policy Partially Provided Hazard policy on REDACTED effective date is 1 day past the disbursement date of REDACTED. Loan file is missing documentation showing subject property was insured prior to closing.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Post CD provided in closing package on REDACTED, shows the disbursement date of REDACTED.
Subject property was insured prior to closing. Please help waiving this condition.  - Seller-REDACTED
       REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   82241337 C A C A A A A A Closed FCRE1168 REDACTED REDACTED Resolved 1 - Information C A Credit Insurance Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided Resolved-RCE in file. HOI sufficient. - Due Diligence Vendor-REDACTED
Ready for Review-The dwelling coverage is REDACTED, and the estimated replacement cost is REDACTED, and this isn’t taking into account the additional REDACTED% in coverage that the policy allocates.   - Seller-REDACTED
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED Guidelines page 10 require the coverage amount must be at least equal to the lesser of: 100% of the replacement cost of the improvements as of the current property insurance effective date, or the unpaid principal balance of all liens, provided it equals no less than the replacement cost value of the improvements. However, coverage of REDACTED is reflected on hazard coverage REDACTED with total unpaid balance equal to REDACTED. The Hazard coverage is REDACTED under the required amount required. - Due Diligence Vendor-REDACTED		 Ready for Review-The dwelling coverage is REDACTED, and the estimated replacement cost is REDACTED, and this isn’t taking into account the additional REDACTED% in coverage that the policy allocates.   - Seller-REDACTED
 Resolved-RCE in file. HOI sufficient. - Due Diligence Vendor-REDACTED
       Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   81408893 C A C A A A A A Closed FCRE8946 REDACTED REDACTED Resolved 1 - Information C A Credit Income/Employment Income documentation expiration dates Resolved-Updated P&L received which matches income worksheet calculations. Resolved. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. hi,
Please see updated P&L and CPA letter.
Thanks! - Buyer-REDACTED
Open-P&L is dated through REDACTED which is over REDACTEDdays from note date  - Due Diligence Vendor-REDACTED		   Resolved-Updated P&L received which matches income worksheet calculations. Resolved. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   88797057 C A A A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THE RECORDING FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE RECORDING FEE INCREASED TO REDACTED ON THE FINAL CD. POINTS WERE DISCOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTES INCREASED TO REDACTED ON THE FINAL CD.  THERE WAS NO COLLATERAL REVIEW FEE DISCLOSED ON THE INITIAL LE.  A COLLATERAL REVIEW FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88797057 C A A A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED5
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTES INCREASED TO REDACTED ON THE FINAL CD.  THERE WAS NO COLLATERAL REVIEW FEE DISCLOSED ON THE INITIAL LE.  A COLLATERAL REVIEW FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88797057 C A A A C A A A Closed finding-3635 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (REDACTED) exceed the comparable charges (REDACTED) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). THE RECORDING FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE RECORDING FEE INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89545959 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-UDN received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. UDN attached Credit Gap CR REDACTED - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing Credit dated REDACTED used for review with an REDACTED note date, not within guidelines. No GAP report as required was located in the file during review. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. UDN attached Credit Gap CR REDACTED - Seller-REDACTED
 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
 Resolved-UDN received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89545959 D A D A A A A A Closed FCRE9000 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Mortgage Statement Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Freedom Mortgage stmt attached - Seller-REDACTED
Open-Missing first mortgage statement dated within 60 days of note date. First mortgage statement dated within 60 days of note date required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Freedom Mortgage stmt attached - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89545959 D A D A A A A A Closed FCRE1201 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
Resolved-Fraud report received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Fraud Guard attached - Seller-REDACTED
Open-Missing Third Party Fraud Report Guidelines REDACTED require that all loans must be submitted to an automated fraud and data check tool (i.e. REDACTED etc.). A copy of the findings report must be provided in the loan file along with any documentation resolving any deficiencies or red flags noted. However, no  automated fraud and data check tool was located in the file during review. The  automated fraud and data check tool is missing. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Fraud Guard attached - Seller-REDACTED
 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
 Resolved-Fraud report received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   86225078 C A C A A A A A Closed FCRE1159 REDACTED REDACTED Resolved 1 - Information C A Credit Insurance Hazard Insurance Effective Date is after the Note Date Resolved-Hazard Insurance Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED and Disbusement Date of REDACTED. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Hazard Insurance Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83021790 D A D A A A A A Closed FCRE9592 REDACTED REDACTED Resolved 1 - Information C A Credit Title Lien position GREATER than 2 Resolved-REDACTED removed from updated title - resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-Email with lender - the recorded contracts for REDACTED are required for review to determine there is no encumbrance on the property.  UCC removed from updated title.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Title Items to be Resolved:
1. REDACTED indicates there is a UCC lien, but the specific UCC lien is not show on title REDACTED
2. REDACTED on title (pg 253) - lender to provide the recorded contract for both items to verify there is no encumbrance on the property - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-REDACTEDremoved from updated title - resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83021790 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing Application date is REDACTED and Note date is REDACTED which is REDACTED days. Credit refresh is required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83021790 D A D A A A A A Closed FCRE5783 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 Gap Credit Report is Missing Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 2 Gap Credit Report is Missing Application date is REDACTED and Note date is REDACTED which is REDACTED days. Credit refresh is required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83021790 D A D A A A A A Closed FCRE2109 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Lender Income Calculation Worksheet Resolved-Worksheet received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open- - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Worksheet received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   83804098 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   84407179 D B D B A A A A Closed FCRE1365 REDACTED REDACTED Acknowledged 2 - Non-Material D B Credit Missing Doc Borrower 2 IRS Transcripts Missing Acknowledged-Document Uploaded. Exception waiver form and REDACTED approval in file. - Due Diligence Vendor-REDACTED
Acknowledged-Document Uploaded. Exception to use 1040 transcripts in lieu of W2 transcripts - received REDACTED - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-Document Uploaded. VOE supports lower wage income being included in calculations than on tax transcripts. REDACTED approval email received.  Lender exception form needed. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. EVOE attached - Seller-REDACTED
Open-Document Uploaded.  - Due Diligence Vendor-REDACTED
Open-Borrower 2 IRS Transcripts Missing W2 transcripts are missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded. EVOE attached - Seller-REDACTED
 Acknowledged-Document Uploaded. Exception waiver form and REDACTED approval in file. - Due Diligence Vendor-REDACTED
 Acknowledged-Document Uploaded. Exception to use 1040 transcripts in lieu of W2 transcripts - received REDACTED - Due Diligence Vendor-REDACTED
   REDACTED REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation Originator Post-Close Yes
REDACTED   84407179 D B D B A A A A Closed FCRE9592 REDACTED REDACTED Resolved 1 - Information C A Credit Title Lien position GREATER than 2 Resolved-FTP received, items REDACTED removed. Solar energy contract received - no encumbrance on property. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Title indicates solar lien & UCC statement REDACTED will not be present on final title - Page 500.  Preliminary commitment does not address item REDACTED - solar Financing statement - page 508.  UCC lien/filing must be removed/paid off.   UCC termination in file is not recorded. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-FTP received, items REDACTED removed. Solar energy contract received - no encumbrance on property. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84407179 D B D B A A A A Closed FCRE1764 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Verification of Mortgage Resolved-REDACTED search verifying no BK received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-First mortgage statement in file indicates bankruptcy message.  Credit report does not. Lender to advise on bankruptcy statement on first mortgage statement - page 236.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Pacer search verifying no BK received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81889987 C B C B A A A A Closed FCRE4805 REDACTED REDACTED Waived 2 - Non-Material C B Credit Eligibility Trust/POA Does Not Meet Guideline Requirements Waived-Allow POA for REDACTED on REDACTED.  Allow POA verbiage to reference all properties and ability for borrower to sign & borrow on all properties in general without specifying this loan and address.  POA exception made to due to REDACTED.  - Due Diligence Vendor-REDACTED
Open- - Due Diligence Vendor-REDACTED		   Waived-Allow POA for REDACTED on REDACTED.  Allow POA verbiage to reference all properties and ability for borrower to sign & borrow on all properties in general without specifying this loan and address.  POA exception made to due to REDACTED.  - Due Diligence Vendor-REDACTED
   REDACTED   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation Originator Pre-Close Yes
REDACTED   84382383 D A D A A A A A Closed FCRE1316 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines page 19 requires verification of the existence of business for self-employed borrowers within 30-days of the note date.  However, no verification of the existence of business for the self-employed borrower within 30-days of the note date was located in the file during review. Business documentation pages 108-119 does not reflect a date the search was performed within 30 days of note. The required verification of the existence of business for self-employed borrowers is missing. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82621587 D A D A A A A A Closed FCRE1342 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Business Bank Statements Missing Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. I did find we had REDACTED business bank statements included in package, but they are mixed in with personal, so I have pulled and uploaded here. Please review and advise. - Seller-REDACTED
Open-Borrower 1 Business Bank Statements Missing REDACTED months business bank statements missing (required for 12 months personal bank statement use) - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. I did find we had REDACTED business bank statements included in package, but they are mixed in with personal, so I have pulled and uploaded here. Please review and advise. - Seller-REDACTED
 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   88179114 D A D A A A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
Resolved-Updated mtg stmt received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-Guidelines require the actual first mortgage statement within 60 days of note date.  Credit supplment cannot be accepted in place of the mortgage statement. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-First mortgage statement - pg 179/200 is over REDACTED days from note date. A first mortgage statement within 60 days of the nore date is required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED
 Resolved-Updated mtg stmt received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88179114 D A D A A A A A Closed FCRE1437 REDACTED REDACTED Resolved 1 - Information C A Credit Income/Employment Income and Employment Do Not Meet Guidelines Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Income is documented with 24 month P&L. Income for P&L documentation is to be documented from most recent 12 month P&L per guidelines.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   80742410 C A A A A A C A Closed FVAL1101 REDACTED REDACTED Resolved 1 - Information C A Property Appraisal Property address on appraisal does not match executed note Resolved-TPR verified both city names are the same property/location. - Due Diligence Vendor-REDACTED
Open-Address on AVM shows the city name as REDACTED.  All other documents show city name as  REDACTED. - Due Diligence Vendor-REDACTED		   Resolved-TPR verified both city names are the same property/location. - Due Diligence Vendor-REDACTED
       Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83280153 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   88470660 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   88217786 D A D A C A A A Closed FCOM6722 REDACTED REDACTED Resolved 1 - Information C A Compliance Closing Mortgage not properly executed Resolved-FTP received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-DOT - witness signatures missing. Please submit the recorded DOT and final title policy to confirm DOT acceptance.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-FTP received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88217786 D A D A C A A A Closed FCRE9000 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Mortgage Statement Resolved-Stmt received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Missing first mortgage statement dated within 60 days of note date. First mortgage statement must be within 60 days of note date.  Statement in file (page 48) is greater than 60 days from note date. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Stmt received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88217786 D A D A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-PCCD & cure received - Due Diligence Vendor-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THERE WAS NO HOA CERTIFICATION DISCLOSED ON THE INITIAL LE.  A HOA CERTIFICATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		   Resolved-PCCD & cure received - Due Diligence Vendor-REDACTED
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88217786 D A D A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-PCCD & cure received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THERE WAS NO HOA CERTIFICATION DISCLOSED ON THE INITIAL LE.  A HOA CERTIFICATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-PCCD & cure received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88315241 D A C A D A A A Closed FCOM1226 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Balloon Rider is Missing Resolved-The REDACTED is Present - Due Diligence Vendor-REDACTED
Resolved-REDACTED received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-Note received.  The balloon rider for the DOT is still missing. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-REDACTED is Missing Note and Deed reflect a REDACTED. However, no Rider for a REDACTED was located in the file during review. The REDACTED is missing.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-The REDACTED is Present - Due Diligence Vendor-REDACTED
 Resolved-REDACTED received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Other N/A N/A
REDACTED   88315241 D A C A D A A A Closed FCRE1254 REDACTED REDACTED Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED
Resolved-FTP received - resolved. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Title - page 530 - REDACTED - verification the DOT with REDACTED is paid off/removed from final title as a lien - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED
 Resolved-FTP received - resolved. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Other N/A N/A
REDACTED   88315241 D A C A D A A A Closed FCRE4989 REDACTED REDACTED Resolved 1 - Information C A Credit Closing Collections, liens or judgments not paid at closing Resolved-Verification delq first installment paid received. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Verification delinquent taxes & penalty on title - REDACTED - are paid in full - REDACTED - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Verification delq first installment paid received. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Other N/A N/A
REDACTED   88315241 D A C A D A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Other N/A N/A
REDACTED   88315241 D A C A D A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Other N/A N/A
REDACTED   87443126 D B C B A A D A Closed FCRE2515 REDACTED REDACTED Acknowledged 2 - Non-Material C B Credit Eligibility Credit history does not meet guidelines Acknowledged-Exception in file for borrower mortgage history documentation.  Borrower has mortgage history on credit report from REDACTED - REDACTED, but is not currently a borrower on the first mortgage.  (First mortgage history is in the file with spouse.) Allow REDACTED month mortgage history withiin REDACTED years of application date vs. guideline requirements of full 12 month mortgage history.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see the attached exception.
Thanks! - Buyer-REDACTED
Open-Borrower does not have current mortgage history. First mortgage is not in borrower's name (not on VOM and not on borrower credit report).  VOM in file to show that the mortgage has been paid, but not in the name of the borrower.  - Due Diligence Vendor-REDACTED		   Acknowledged-Exception in file for borrower mortgage history documentation.  Borrower has mortgage history on credit report from REDACTED - REDACTED, but is not currently a borrower on the first mortgage.  (First mortgage history is in the file with spouse.) Allow REDACTED month mortgage history withiin REDACTED years of application date vs. guideline requirements of full 12 month mortgage history.  - Due Diligence Vendor-REDACTED
   REDACTED REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other Originator Post-Close Yes
REDACTED   87443126 D B C B A A D A Closed FVAL8946 REDACTED REDACTED Resolved 1 - Information D A Property Missing Doc Missing Appraisal Resolved- - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
We aren't requiring a PDI for this one. Please see the attached email.
Thanks! - Buyer-REDACTED
Open-PDI needed - property location.  (If REDACTED is not requiring, please upload the email confirming a post disaster inspection is not required.) - Due Diligence Vendor-REDACTED		         REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89006369 D A D A A A A A Closed FCRE1201 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Missing Third Party Fraud Report Fraud report is missing from file.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89006369 D A D A A A A A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. IRS Transcripts for B1 - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing 2 yrs W2 transcripts are missing. (REDACTED) - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. IRS Transcripts for B1 - Seller-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89006369 D A D A A A A A Closed FCRE1365 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 IRS Transcripts Missing Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Be IRS Transcripts - Seller-REDACTED
Open-Borrower 2 IRS Transcripts Missing 2 yrs W2 transcripts are missing (REDACTED) - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Be IRS Transcripts - Seller-REDACTED
 Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89006369 D A D A A A A A Closed FCRE1358 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 W2/1099 Missing Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Resolved-. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. B2 the VOEs show her W2 income, Lox of job history attached & School Transcripts to finish off the explanation of b2 job history - Seller-REDACTED
Open-Borrower 2 W2/1099 Missing B2 W2s missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. B2 the VOEs show her W2 income, Lox of job history attached & School Transcripts to finish off the explanation of b2 job history - Seller-REDACTED
 Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
 Resolved-. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89006369 D A D A A A A A Closed FCRE2109 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Lender Income Calculation Worksheet Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Income Calc Worksheet attached - Seller-REDACTED
Open- - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Income Calc Worksheet attached - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   82620054 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-UDN received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. We have the UDM in place of the Gap Credit report - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing Credit report is more than 30 days from note date. Gap credit report is required - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. We have the UDM in place of the Gap Credit report - Seller-REDACTED
 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
 Resolved-UDN received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   82620054 D A D A A A A A Closed FCRE5783 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 Gap Credit Report is Missing Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Resolved-UDN received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. We use the UDM in place of the Gap Credit report - Seller-REDACTED
Open-Borrower 2 Gap Credit Report is Missing Credit report is more than 30 days from note date. Gap credit report is required - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. We use the UDM in place of the Gap Credit report - Seller-REDACTED
 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
 Resolved-UDN received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   80832067 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   82769156 C A A A A A C A Closed FVAL9739 REDACTED REDACTED Resolved 1 - Information C A Property Appraisal Property/Appraisal General Resolved-. - Due Diligence Vendor-REDACTED
Counter-Identification received/name issue resolved. - Due Diligence Vendor-REDACTED
Open-Appraisal indicates borrower is REDACTED and owner is REDACTED. Note and ID information show borrower as REDACTED. Paystubs show REDACTED. ID shows REDACTED. Items needed:
1. Lender to provide verification this is the same person to verify income is the borrower's income - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82095627 D A A A D A A A Closed FCOM1262 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Right of Rescission is Missing Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED
Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Right of Rescission is Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81459446 D B D B C A C A Closed FVAL9739 REDACTED REDACTED Resolved 1 - Information C A Property Appraisal Property/Appraisal General Resolved-Property Inspection embedded in AVM, property site visit documented, pictures present.  - Due Diligence Vendor-REDACTED
Open-AVM accepted - vendor is approved/REDACTED.  

**Property Condition Inspection still needed.
 - Due Diligence Vendor-REDACTED
Open-1. AVM in file is not from an approved vendor.  Vendor is REDACTED.
2. There is no Property Condition Inspection in file. - Due Diligence Vendor-REDACTED		   Resolved-Property Inspection embedded in AVM, property site visit documented, pictures present.  - Due Diligence Vendor-REDACTED
       Non-QM: Lender documented all ATR UW factors QM: Rebuttable Presumption DTI (DTI RP) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81459446 D B D B C A C A Closed FCRE5116 REDACTED REDACTED Acknowledged 2 - Non-Material D B Credit Missing Doc Missing VOM or VOR Acknowledged-First mortgage statement received - dated after note/disb date. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. There is no Mortgage Statement within 60 days provided.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Acknowledged-First mortgage statement received - dated after note/disb date. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Rebuttable Presumption DTI (DTI RP) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation Originator Post-Close No
REDACTED   81459446 D B D B C A C A Closed finding-47 REDACTED REDACTED Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. THE BORROWER SIGNED CLOSING DOCUMENTS ON REDACTED.  THE DATE OF DISBURSEMENT FROM THE FINAL CD IS REDACTED.  THE NOTICE OF THE RIGHT TO CANCEL DATES WERE CROSSED OUT.  THE BORROWER INITIALIZED AND AND THE FINAL DATE TO CANCEL WAS WRITTEN AS REDACTED WHICH IS AFTER THE DISBURSEMENT DATE INDICATED BY THE FINAL CD. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Rebuttable Presumption DTI (DTI RP) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87784018 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other    
REDACTED   87081692 D A D A A A C A Closed FVAL9739 REDACTED REDACTED Resolved 1 - Information C A Property Appraisal Property/Appraisal General Resolved-. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-DISASTER INSPECTION IS REQUIRED LOAN CLOSED ON REDACTED IS IN ZIP CODE REDACTED.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   87081692 D A D A A A C A Closed FCRE1148 REDACTED REDACTED Resolved 1 - Information C A Credit Title Title Coverage is Less than Subject Lien(s) Total Resolved-Title coverage received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Coverage amount on preliminary title (REDACTED) is lower than loan amount.  Updated title ins covering loan amount required.NOTE OF REDACTED.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Title coverage received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   87081692 D A D A A A C A Closed FCRE5786 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Incomplete Resolved-. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Loan closed REDACTED - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Partially Present. GAP CREDIT REPORT ON REDACTED IS DATED REDACTED AND NOTE DATE-REDACTED  AND CLOSING DATE ARE REDACTED - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Loan closed REDACTED - Seller-REDACTED
 Resolved-. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   81836589 D A D A A A D A Closed FCRE9000 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Mortgage Statement Resolved-Not over 30 - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. rating is in the soft pull - Seller-REDACTED
Counter-Mortgage statement received. Borrower shows past due on mortgage statement. Please provide verification first mortgage payment was made/LOE for delinquency.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Missing first mortgage statement dated within 60 days of note date. First mortgage statement - REDACTED - is not within 60 days of note date as required.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. rating is in the soft pull - Seller-0REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Not over 30 - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   81836589 D A D A A A D A Closed FVAL8946 REDACTED REDACTED Resolved 1 - Information D A Property Missing Doc Missing Appraisal Resolved-PCI received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Property located in REDACTED.  A PCI/disaster inspection is required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-PCI received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   87712483 D A D A C A D A Closed FVAL8946 REDACTED REDACTED Resolved 1 - Information D A Property Missing Doc Missing Appraisal Resolved-PDI received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Apologies, not sure why it was not included. It was apporved in our system. Please see attached.
 - Seller-REDACTED
Counter-Please upload or advise the page number of the PDI.  We did not locate it in the file. Thank you. - Due Diligence Vendor-REDACTED
Ready for Review-Please clarify what disaster you are referring to, we provided a PDI that included REDACTED. A PDI dated REDACTED  should be sufficent to show the property suffered no damage due to REDACTED. - Seller-REDACTED
Open-Property is in a REDACTED county. Valuation/PCI in file is prior to REDACTED. New property condition report is required prior to purchase. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Apologies, not sure why it was not included. It was apporved in our system. Please see attached.
 - Seller-REDACTED
 Ready for Review-Please clarify what disaster you are referring to, we provided a PDI that included REDACTED. A PDI dated REDACTED should be sufficent to show the property suffered no damage due to REDACTED. - Seller-REDACTED
 Resolved-PDI received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87712483 D A D A C A D A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Statement received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-First mortgage statement dated within 60 days of note date required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Statement received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87712483 D A D A C A D A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing - Missing W-2 Transcripts required by Guidelines for wage earners - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
 Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87712483 D A D A C A D A Closed FCRE1365 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 IRS Transcripts Missing Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 2 IRS Transcripts Missing - Missing W-2 Transcripts required by Guidelines for wage earners - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
 Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87712483 D A D A C A D A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED AS REDACTED ON THE INITIAL LE.  POINTS INCREASED TO REDACTEDON THE FINAL CD.  THE LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE.  THE LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  THE APPRIASLA FEE, CREDIT REPORT FEE AND TRANSFER TAXES INCREASED A TOTAL OF REDACTED FORM THE INITIAL LE TO THE FINAL CD.  A LENDER CREDIT OF REDACTED  WAS ISSUED ON THE FINAL CD TO CURE THE INCREASE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87712483 D A D A C A D A Closed finding-3638 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Reimbursement Amount Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount test.  (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. POINTS WERE DISCLOSED AS REDACTED ON THE INITIAL LE.  POINTS INCREASED TOREDACTED ON THE FINAL CD.  THE LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE.  THE LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  THE APPRIASLA FEE, CREDIT REPORT FEE AND TRANSFER TAXES INCREASED A TOTAL OF REDACTED FORM THE INITIAL LE TO THE FINAL CD.  A LENDER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD TO CURE THE INCREASE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   82871768 D A D A A A A A Closed FCRE1159 REDACTED REDACTED Resolved 1 - Information C A Credit Insurance Hazard Insurance Effective Date is after the Note Date Resolved-HOI for prior year and at time of note received. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-HOI for prior year and at time of note received. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   82871768 D A D A A A A A Closed FCRE4989 REDACTED REDACTED Resolved 1 - Information C A Credit Closing Collections, liens or judgments not paid at closing Resolved-Judgment removed from title - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Judgment on title REDACTED - required to be paid off at closing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Judgment removed from title - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   82871768 D A D A A A A A Closed FCRE1161 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Flood Certificate Missing Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED
Resolved-Flood cert received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Missing Flood Certificate - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED
 Resolved-Flood cert received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88723315 D A D A C A A A Closed FCRE8201 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Loan does not conform to program guidelines Resolved-Modification docs received - Due Diligence Vendor-REDACTED
Open-First mortgage appears to be a  REDACTED. First mortgage note and any modification docs if applicable are required. Opening balance on credit report is REDACTED, current balance is REDACTED.  Title shows an amendment to DOT for credit limit increase to REDACTED. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Modification docs received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88723315 D A D A C A A A Closed FCRE1254 REDACTED REDACTED Resolved 1 - Information C A Credit Title Property Title Issue Resolved-REDACTED - FTP received - confirmation the REDACTED is removed from final title
REDACTED- A copy of the recorded solar energy contract received - no encumbrance
REDACTED - FTP received - no UCC lien on FTP - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Property Title Issue Title -
REDACTED - confirmation the REDACTED is removed from final title via the Acknowledgement of Staisfaction of Matured Installments
REDACTED - A copy of the recorded solar energy contract is required to verify no encumbrance on property
REDACTED - The UCC termination is in file, but it is not recorded. Need a copy of the recorded termination or the UCC lien to be removed from title.
 - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-REDACTED - FTP received - confirmation the REDACTED is removed from final title
REDACTED- A copy of the recorded solar energy contract received - no encumbrance
REDACTED - FTP received - no UCC lien on FTP - Due Diligence Vendor-REDACTED		     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88723315 D A D A C A A A Closed FCRE2109 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Lender Income Calculation Worksheet Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-Please double check the calculation on the new 1008 & resubmit.  Thanks. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Lender to update income to reflect a minimum REDACTED% expense ratio as required for retail goods business per P&L only guidelines. TPR income calculation - REDACTED/month.  Lender to complete and submit an income worksheet for P&L income and an updated 1008.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88723315 D A D A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TO REDACTED ON THE FINAL CD.  THE LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE.  THE LOAN ORIGINATION FEE INCREASED TO REDACTED ON THE FINAL CD.  NO  COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88723315 D A D A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TO REDACTED ON THE FINAL CD.  THE LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE.  THE LOAN ORIGINATION FEE INCREASED TO REDACTED ON THE FINAL CD.  NO  COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88917986 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   86146817 D A D A A A A A Closed FCRE8201 REDACTED REDACTED Resolved 1 - Information C A Credit Eligibility Loan does not conform to program guidelines Resolved-VOM in file - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. 2nd REDACTED guidelines allow documentation from institutional lender- copies of mortgage statements in file reflecting 12 months payments in file and was satisfied with REDACTED - Buyer-REDACTED
Open-Ineligible senior lien - first mortgage is not reported on credit report - Due Diligence Vendor-REDACTED		   Resolved-VOM in file - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   86146817 D A D A A A A A Closed FCRE1254 REDACTED REDACTED Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Taxes paid at closing - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. corrective CD with updated tax bill uploaded. CD reflects delinquent amount being paid through closing  - Buyer-REDACTED
Open-Property Title Issue Title- REDACTED -
1. Delinquent taxes (REDACTED) cited on Title policy not paid at closing.
 - Due Diligence Vendor-REDACTED		   Resolved-Taxes paid at closing - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   86146817 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Buyer-REDACTED
Open-Borrower 1 Gap Credit Report is Missing - Credit report in file is REDACTED days from Note and no Gap credit report provided.  - Due Diligence Vendor-REDACTED		   Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   84861253 D A A A D A A A Closed FCOM1231 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc The Initial 1003 is Missing Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Initial 1003 attached  - Buyer-REDACTED
Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED		   Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84861253 D A A A D A A A Closed FCOM1233 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc The Final 1003 is Incomplete Resolved-1003 received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Updated final 1003 attached  - Buyer-REDACTED
Open-The Final 1003 is Incomplete Borrower is self employed and owns REDACTED of REDACTEDper CPA letter, however, final 1003 reflects Borrower does not own business - REDACTED - Due Diligence Vendor-REDACTED		   Resolved-1003 received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84513550 D B D B A A A A Closed FCRE9000 REDACTED REDACTED Acknowledged 2 - Non-Material D B Credit Missing Doc Missing Mortgage Statement Acknowledged-First mortgage statement received - dated after closing/disbursement date.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see attached,  - Seller-REDACTED
Counter-Guidelines required a copy of the first mortgage statement in addition to the credit report dated within 60 days of closing.   - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see attached credit report previously provided, see REDACTED. REDACTED account has been highlighted. Reported REDACTED. Borrower has been making the payment and is current.
The scheduled amount continued to go up only because of the escrow account, but the principal and interest remain the same at REDACTED. As shown on the original note.
Please advise if this will be sufficient.  - Seller-REDACTED
Open-Missing first mortgage statement dated within 60 days of note date. Guidelines require a current mortgage statement within 60 days of the note date. The mortgage statement in file is greater than 60 days old. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see attached,  - Seller-REDACTED
 Ready for Review-Document Uploaded. Please see attached credit report previously provided, see REDACTED. REDACTED account has been highlighted. Reported REDACTED. Borrower has been making the payment and is current.
The scheduled amount continued to go up only because of the escrow account, but the principal and interest remain the same at REDACTED. As shown on the original note.
Please advise if this will be sufficient.  - Seller-REDACTED
 Acknowledged-First mortgage statement received - dated after closing/disbursement date.  - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other Originator Post-Close No
REDACTED   84513550 D B D B A A A A Closed FCRE9592 REDACTED REDACTED Resolved 1 - Information C A Credit Title Lien position GREATER than 2 Resolved-Both removed from final title policy.  FTP received. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see attached Final Title Policy.  - Seller-REDACTED
Open-Title - REDACTED - Solar liens REDACTED - need recorded contract to verify there is no encumbrance on the property. Title - REDACTED - UCC solar filing - must be removed from title/paid off.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see attached Final Title Policy.  - Seller-REDACTED
 Resolved-Both removed from final title policy.  FTP received. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   80276145 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   82029168 D A D A C A C A Closed FCRE4989 REDACTED REDACTED Resolved 1 - Information C A Credit Closing Collections, liens or judgments not paid at closing Resolved-FTP received with both liens removed - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-Please submit the Final title policy showing both removed. The tax print out for REDACTED shows clearly no longer delinquent.  Verification of the lien removal from title is needed for REDACTED. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. An updated tax bill was received when the docs were being issued. The 1st installment of theREDACTED shows as paid as well as the defaulted taxes. See attached.  - Seller-REDACTED
Open-Verification that the delinquent REDACTED taxes were paid at closing - title REDACTED - REDACTED
Verification that the lien for defaulted taxes REDACTED were paid at closing - title REDACTED - REDACTED
Neither payoff is listed on the final CD.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded. An updated tax bill was received when the docs were being issued. The 1st installment of the REDACTED shows as paid as well as the defaulted taxes. See attached.  - Seller-REDACTED
 Resolved-FTP received with both liens removed - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Other N/A N/A
REDACTED   82029168 D A D A C A C A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Mortgage statement - REDACTED - is greater than 60 days from note date.  Mortgage statement within 60 days of note date is required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Other N/A N/A
REDACTED   82029168 D A D A C A C A Closed finding-3652 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-COCs received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COCs received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Other N/A N/A
REDACTED   82029168 D A D A C A C A Closed finding-3638 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Reimbursement Amount Test Resolved-COCs received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount test.  (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. THE RECORDING FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE RECORDING FEE INCREASED TO REDACTED ON THE FINAL CD.  THERE WERE NO POINTS DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  THE LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE.  THE LOAN ORIGINATION FEE INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COCs received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Other N/A N/A
REDACTED   82029168 D A D A C A C A Closed finding-3635 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-COCs received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (REDACTED) exceed the comparable charges (REDACTED) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). THE RECORDING FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE RECORDING FEE INCREASED TO REDACTED ON THE FINAL CD.  THERE WAS NO COC OR REIMBURSEMENT LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COCs received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Other N/A N/A
REDACTED   82029168 D A D A C A C A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COCs received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THERE WERE NO POINTS DISCLOSED ON THE INITIAL LE.  POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD.  THE LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE.  THE LOAN ORIGINATION FEE INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.
THERE WAS NO APPRAISAL REINSPECTION FEE DISCLOSED ON THE INITIAL LE.  AN APPRAISAL REINSPECTION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. A BROKER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD TO CURE THE INCREASE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COCs received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Other N/A N/A
REDACTED   82029168 D A D A C A C A Closed FVAL9739 REDACTED REDACTED Resolved 1 - Information C A Property Appraisal Property/Appraisal General Resolved-PDI received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Property Condition/Disaster Inspection required.  Property is in a disaster zone - REDACTED.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-PDI received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Second Home Refinance Cash Out - Other N/A N/A
REDACTED   81701443 D A D A D A A A Closed FCOM1233 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc The Final 1003 is Incomplete Resolved-Received/resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-The Final 1003 is Incomplete - Section 5a was completed incorrectly by Borrower. Borrower answered Yes to 'Will you Occupy the property as your primary residence' for subject property which is an Investment property and this contradicts statement signed on the Occupancy Affidavit REDACTED- Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Received/resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance No Cash Out - Borrower Initiated N/A N/A
REDACTED   81701443 D A D A D A A A Closed FCRE1764 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing Verification of Mortgage Resolved-Resolved - first on CBR, mtg stmt received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. rating is on credit report.  - Seller-REDACTED
Open-1. First lien on subject property is not on credit report. A VOM from the lender is required.
2. Mortgage statement in file REDACTED is more than 60 days from note date. An updated first mortgage statement within 60 days of note date is required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. rating is on credit report.  - Seller-REDACTED
 Resolved-Resolved - first on CBR, mtg stmt received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance No Cash Out - Borrower Initiated N/A N/A
REDACTED   87988006 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   85610688 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other    
REDACTED   81636529 D B D B A A A A Closed FCRE9000 REDACTED REDACTED Acknowledged 2 - Non-Material D B Credit Missing Doc Missing Mortgage Statement Acknowledged-Exception received to allow first mortgage statement greater than 60 days old. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached. We granted an exception for this.
Thanks! - Buyer-REDACTED
Open-Missing first mortgage statement dated within 60 days of note date. Guidelines page 60 require a current mortgage statement within 60  days of the note dated REDACTED. However, the mortgage statement located in file REDACTED is dated REDACTED. The mortgage statement is not within 60 day guideline requirements. - Due Diligence Vendor-REDACTED		   Acknowledged-Exception received to allow first mortgage statement greater than 60 days old. - Due Diligence Vendor-REDACTED
   REDACTED REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation Originator Post-Close Yes
REDACTED   83757320 D A C A D A A A Closed FCRE1254 REDACTED REDACTED Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see attached - Seller-REDACTED
Open-Title REDACTED indicates first mortgage is to be paid and released. First mortgage is not being paid off with this loan.  Updated preliminary title commitment with revised verbiage required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see attached - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83757320 D A C A D A A A Closed FCOM5135 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc Missing Required Affiliated Business Disclosure Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see attached disclosure - Seller-REDACTED
Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see attached disclosure - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   87018690 D A D A A A A A Closed FCRE1158 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Hazard Insurance Policy is Partial Resolved-Resolved - Due Diligence Vendor-REDACTED
Ready for Review-See comments section for actual policy terms.  - Seller-REDACTED
Open-Hazard Insurance Policy Partially Provided HOI dec page provided-see REDACTED is a 30 day binder. Loan file is missing full 12 month policy - Due Diligence Vendor-REDACTED		 Ready for Review-See comments section for actual policy terms.  - Seller-REDACTED
 Resolved-Resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other N/A N/A
REDACTED   85170583 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   88710173 C A A A C A A A Closed finding-3635 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (REDACTED) exceed the comparable charges (REDACTED) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). THE RECORDING FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  THE RECORDING FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.   - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88710173 C A A A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   84395401 C A C A A A A A Closed FCRE1254 REDACTED REDACTED Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Recorded solar notice received.  No encumbrance on the property.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Recorded copy of solar energy contract needed to clear title. Solar purchase agreement is on REDACTED but does not state there is no encumbrance on the property. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Recorded solar notice received.  No encumbrance on the property.  - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   86422886 C A C A A A A A Closed FCRE1159 REDACTED REDACTED Resolved 1 - Information C A Credit Insurance Hazard Insurance Effective Date is after the Note Date Resolved-Hazard Insurance policy in place at time of funding received. HOI verified from REDACTED. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached policy that was current at the time of funding.
Thanks! - Buyer-REDACTED
Open-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED The current policy is not in the file.  - Due Diligence Vendor-REDACTED		   Resolved-Hazard Insurance policy in place at time of funding received. HOI verified from REDACTED. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   88815411 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   85359162 D A D A C A C A Closed FPRO1253 REDACTED REDACTED Resolved 1 - Information C A Property Data Secondary Valuation or Additional Valuation has not been entered per securitization requirements Resolved-AVM is used for primary valuation and LTV calculation due to greater than 10% difference.  Using 1004 valuation in place of property inspection. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 AVM is more than 10% less than the 1004 value.  The lower of the two values if greater than 10% can only be defaulted for use on investment properties. AVM in file is not an accepted AVM valuation vendor, so AVM cannot be used. An accepted secondary valuation is required.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-AVM is used for primary valuation and LTV calculation due to greater than 10% difference.  Using 1004 valuation in place of property inspection. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85359162 D A D A C A C A Closed FCRE1335 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 IRS Transcripts Missing Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
Resolved-W2 transcripts received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 IRS Transcripts Missing W2 TRANSCRIPTS ARE MISSING FROM LOAN FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED
 Resolved-W2 transcripts received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   85359162 D A D A C A C A Closed finding-47 REDACTED REDACTED Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-PCCD received with updated disbursement. RTC satisfied by PCCD. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. THE NON BORROWRING SPOUSE (TITLE HOLDER) OF THE BORROWER SIGNED THE RIGHT TO CANCEL ON REDACTED.  THE LAST DATE TO CANCEL WAS HANDWRITTEN AND INITIALIZED AS REDACTED.  THE FINAL CD HAS A DISBURSEMENT DATE OF REDACTED.  THESE DATES ALLOWED ONLY REDACTED BUSINESS DAYS TO CANCEL THE TRANSACTION.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-PCCD received with updated disbursement. RTC satisfied by PCCD. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   80865359 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Investment Refinance Cash Out - Other    
REDACTED   83044066 C A C A A A A A Closed FCRE1254 REDACTED REDACTED Resolved 1 - Information C A Credit Title Property Title Issue Resolved-FTP received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Verification that the DOT - REDACTED on title is paid in full and removed. REDACTED first lien dated REDACTED to REDACTED.  This lien is dated prior to the first mortgage (REDACTED) on title dated REDACTED.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-FTP received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   84894571 C A A A A A C A Closed FVAL9739 REDACTED REDACTED Resolved 1 - Information C A Property Appraisal Property/Appraisal General Resolved-Document Uploaded. Legal description & tac record verify this is a SFR.  - Due Diligence Vendor-REDACTED
Open-AVM indicates property is SFR (REDACTED). Property Inspection indicates property is condo (REDACTED).  Tax record verification of property type is required.  - Due Diligence Vendor-REDACTED		   Resolved-Document Uploaded. Legal description & tac record verify this is a SFR.  - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81312700 C A A A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81312700 C A A A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89517481 D A D A A A A A Closed FCRE1437 REDACTED REDACTED Resolved 1 - Information C A Credit Income/Employment Income and Employment Do Not Meet Guidelines Resolved-Paystub within 60 days of note date received, in line with income calculation - resolved - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Income and Employment Do Not Meet Guidelines 1. Missing previous paystubs or WVOE verifying YTD and Overtime income used by Lender per worksheet REDACTED.
2. Paystubs in file are not within 60 days of note date, updated paystubs and income worksheet required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Paystub within 60 days of note date received, in line with income calculation - resolved - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89517481 D A D A A A A A Closed FCRE1316 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
Resolved-VVOE received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Counter-VOE has incorrect year. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing VVOE prepared within 10 days of closing as required by Guidelines. VVOE in file is dated REDACTED and loan closed on REDACTED  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
 Resolved-VVOE received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89517481 D A D A A A A A Closed FCRE5770 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Credit Report is Missing Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 Credit Report is Missing. - Missing credit report initial pull - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   87908621 C A A A C A A A Closed finding-3635 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (REDACTED) exceed the comparable charges (REDACTED) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). THERE WERE FEES ADDED INTO SECTION C OF THE CLOSING DISCLOSURE WITHOUT A VALID CHANGE OF CIRCUMSTANCVE FOUND IN THE LOAN FILE. THE FOLLOWING FEES WERE ADDED: TITLE COURIER FEE, TITLE DOCUMENT PREP FEE, TITLE TRANSACTION FEE, TITIE WIRE FEE. PLEASE NOTE, THERE IS A CHANGE OF CIRCUMTANCE TRACKER FOUND IN THE FILE ON PAGE 1; HOWEVER, UNABLE TO FIND THE CHANGE OF CICUMSTANCE DISCLSOURES DESCRIBING FEES BEING ADDED IN THE FILE. THE TOTAL AMOUNT OF TOLERANCE ISSUE IS REDACTED TO CURE. NO EVIDENCE OF THE CHANGE CIRCUMSTANCE FOUND NOR EVIDENCE CURE PROVIDED.

WAS A LENDER CREDIT ADDED ON THE FINAL CLOSING DISCLOSURE WITHOUT A COC. THE LENDER CREDIT IS IN THE AMOUNT OF REDACTED - TO CURE THE INCREASE IN CLOSING COST ABOVE THE LEAGL LIMIT. THE REVIEWER WAS ABALE TO DETERMINE THAT THIS CURE IS FOR THE RECORDING FEE BEING ADDED WITHOUT A COC BEING ISSUED TO THE BORROWER - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   87908621 C A A A C A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THERE WERE FEES ADDED INTO SECTION C OF THE CLOSING DISCLOSURE WITHOUT A VALID CHANGE OF CIRCUMSTANCE FOUND IN THE LOAN FILE. THE FOLLOWING FEES WERE ADDED: TITLE COURIER FEE, TITLE DOCUMENT PREP FEE, TITLE TRANSACTION FEE, TITIE WIRE FEE. PLEASE NOTE, THERE IS A CHANGE OF CIRCUMTANCE TRACKER FOUND IN THE FILE ON PAGE 1; HOWEVER, UNABLE TO FIND THE CHANGE OF CICUMSTANCE DISCLSOURES DESCRIBING FEES BEING ADDED IN THE FILE. THE TOTAL AMOUNT OF TOLERANCE ISSUE IS REDACTED TO CURE. NO EVIDENCE OF THE CHANGE CIRCUMSTANCE FOUND NOR EVIDENCE CURE PROVIDED.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence VendorREDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88695023 D A D A A A A A Closed FCRE1316 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88695023 D A D A A A A A Closed FCRE1347 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 3rd Party VOE Prior to Close Missing Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Borrower 2 3rd Party VOE Prior to Close Missing - Missing verification of employment for Borrower 2 - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - SellerREDACTED
 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   88173715 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   89998259 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   87235840 D A D A A A A A Closed FCRE5782 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Ready for Review-REDACTED - Seller-REDACTED
Open-Borrower 1 Gap Credit Report is Missing Guidelines page 18 require a gap report within 15 days of note date. However, the most recent credit report prior to closing was dated REDACTED with a note date of REDACTED is REDACTED days from note date. Credit dated REDACTED used for review with an REDACTED note date, not within guidelines. No GAP report as required for Borrower 1 was located in the file during review. - Due Diligence Vendor-REDACTED		 Ready for Review-REDACTED - Seller-REDACTED
 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
       Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87235840 D A D A A A A A Closed FCRE5783 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Borrower 2 Gap Credit Report is Missing Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
Ready for Review-REDACTED - Seller-REDACTED
Open-Borrower 2 Gap Credit Report is Missing Guidelines page 18 require a gap report within 15 days of note date. However, the most recent credit report prior to closing was dated REDACTED with a note date of REDACTED is REDACTED days from note date. Credit dated REDACTED used for review with an REDACTED note date, not within guidelines. No GAP report for Borrower 2 as required was located in the file during review. - Due Diligence Vendor-REDACTED		 Ready for Review-REDACTED - Seller-REDACTED
 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED
       Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   81972426 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other    
REDACTED   84589490 C A C A A A A A Closed FCRE4989 REDACTED REDACTED Resolved 1 - Information C A Credit Closing Collections, liens or judgments not paid at closing Resolved-Confirmation of payoff from lienholder of amounts paid at closing sufficient to payoff liens. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. hi,
Please see attached tax payoff demand. Each account is listed at REDACTED. This matches the REDACTED tax liens to be paid off on the final CD.
Thanks! - Buyer-REDACTED
Open-Proof REDACTED tax liens paid at closing. Final CD (showsREDACTED per lien) does not reflect accurate lien amounts to be paid off.  - Due Diligence Vendor-REDACTED		   Resolved-Confirmation of payoff from lienholder of amounts paid at closing sufficient to payoff liens. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84248748 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   80206263 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   84998506 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   86902491 C A C A C A A A Closed FCRE1254 REDACTED REDACTED Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Title report - Updates needed - REDACTED- states the first mortgage is being paid in full and released. The first mortgage is not being paid off with this loan. Item to be revised.  **REDACTED - indicates this loan will be in first lien position.  Needs to be updated to indicate this loan is second lien position.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   86902491 C A C A C A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-COC received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   81704882 C A C A A A A A Closed FCRE1254 REDACTED REDACTED Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Taxes paid via settlement statement REDACTED - Due Diligence Vendor-REDACTED
Open-Proof that the delinquent taxes (REDACTED) shown on title are paid - Due Diligence Vendor-REDACTED		   Resolved-Taxes paid via settlement statement REDACTED - Due Diligence Vendor-REDACTED
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Rate and Term N/A N/A
REDACTED   87684832 D A D A A A A A Closed FCRE1252 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Title Document is Incomplete Resolved-FTP received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Title Document is Incomplete Preliminary title shows coverage lower than loan amount.  Updated title covering loan amount needed. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-FTP received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   84688677 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Debt Consolidation    
REDACTED   82605288 C A C A A A A A Closed FCRE8946 REDACTED REDACTED Resolved 1 - Information C A Credit Income/Employment Income documentation expiration dates Resolved-Updated paystub received - matches income used to qualify & within 60 days of note date. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see updated paystub REDACTED
Thanks! - Buyer-REDACTED
Open-1. REDACTED is over 60 days from note date.
 - Due Diligence Vendor-REDACTED		   Resolved-Updated paystub received - matches income used to qualify & within 60 days of note date. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   87004693 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   85281895 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   81218585 D A D A A A A A Closed FCRE5116 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Missing VOM or VOR Resolved-First mtg statement within 60 days of note date & credit refresh received.  - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. I'm hoping this is what you are needing - I have attached the 1st lien recorded deed.   Thank you  - Seller-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage statement dated within 60 days of note required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. I'm hoping this is what you are needing - I have attached the 1st lien recorded deed.   Thank you  - Seller-REDACTED
 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-First mtg statement within 60 days of note date & credit refresh received.  - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89002799 D A D A D A A A Closed FCRE1252 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Title Document is Incomplete Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED
Resolved-FTP received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see title with correct loan amount.
Thanks!! - Seller-REDACTED
Open-Title Document is Incomplete Title coverage is lower than loan amount. Updated title with coverage increased to loan amount required. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see title with correct loan amount.
Thanks!! - Seller-REDACTED
 Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED
 Resolved-FTP received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89002799 D A D A D A A A Closed finding-3634 REDACTED REDACTED Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-PCCD received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached post close CD.
Thanks! - Seller-REDACTED
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TOREDACTED ON THE FINAL CD.  A LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE.  THE LOAN ORIGINATION FEE INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached post close CD.
Thanks! - Seller-REDACTED
 Resolved-PCCD received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89002799 D A D A D A A A Closed finding-3631 REDACTED REDACTED Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-PCCD received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached post close CD.
Thanks! - Buyer-REDACTED
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE.  POINTS INCREASED TOREDACTED ON THE FINAL CD.  A LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE.  THE LOAN ORIGINATION FEE INCREASED TO REDACTED ON THE FINAL CD.  NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.  - Due Diligence Vendor-REDACTED		   Resolved-PCCD received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89002799 D A D A D A A A Closed FCRE1201 REDACTED REDACTED Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
Resolved-Fraud report received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached fraud report.
Thanks! - Buyer-REDACTED
Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED		   Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED
 Resolved-Fraud report received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89002799 D A D A D A A A Closed FCOM1220 REDACTED REDACTED Resolved 1 - Information D A Compliance Missing Doc The Deed of Trust is Missing Resolved-The Deed of Trust is Present - Due Diligence Vendor-REDACTED
Resolved-DOT received - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see attached DOT.
Thanks! - Seller-REDACTED
Open-The Deed of Trust is Missing - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Hi,
Please see attached DOT.
Thanks! - Seller-REDACTED
 Resolved-The Deed of Trust is Present - Due Diligence Vendor-REDACTED
 Resolved-DOT received - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   86476221 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt REDACTED REDACTED Investment Refinance Cash Out - Other    
REDACTED   81786428 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   88893487 C A A A C A A A Closed finding-47 REDACTED REDACTED Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-PCCD received verifying final disbursement date of REDACTED, meets RTC requirement. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Please see PCCD items with the final ALTA settlement statement showing loan did not disburse until REDACTED so we should be good. - Seller-REDACTED
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. THE CLSOING DATE IS REDACTED.  THE FUNDING DATE FROM THE FINAL CD IS REDACTED.  THE  NOTICE OF THE RIGHT TO CANCEL 3RD BUSINESS DAY FOR THE BORROWER TO CANCEL IS REDACTED. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded. Please see PCCD items with the final ALTA settlement statement showing loan did not disburse until REDACTED so we should be good. - Seller-REDACTED
 Resolved-PCCD received verifying final disbursement date of REDACTED, meets RTC requirement. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation N/A N/A
REDACTED   89094002 C A A A C A C A Closed finding-47 REDACTED REDACTED Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-Updated final CD received. Disbursement date of REDACTED. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hi,
Please see the attached final CD. the borrower signed on REDACTED and the loan disbursed on REDACTED which is after the recission date.
Thanks! - Buyer-REDACTED
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. THE CLOSING DATE FROM THE FINAL CD IS REDACTED.  THE DISBURSMENT DATE FROM THE FINAL CD IS REDACTED.  THE NOTICE OF THE RIGHT TO CANCEL DATE IS UP TO MIDNIGHT OF REDACTED WHICH IS THE SAME DAY AS THE DISBURSEMENT DATE.  - Due Diligence Vendor-REDACTED		   Resolved-Updated final CD received. Disbursement date of REDACTED. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   89094002 C A A A C A C A Closed FPRO1245 REDACTED REDACTED Resolved 1 - Information C A Property Appraisal Appraisal is Expired Resolved-Appraisal confirmed within required timeframe, REDACTED. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded. Hello,
Please see the attached correct appraisal.
Thanks! - Buyer-REDACTED
Open-Appraisal potentially expired - appraisal update dated REDACTED in file REDACTED which states the effective date of the original appraisal is REDACTED. Appraisal REDACTED shows appraisal dated REDACTED. Verification of appraisal date required. - Due Diligence Vendor-REDACTED		   Resolved-Appraisal confirmed within required timeframe, REDACTED. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A
REDACTED   83087760 A A A A A A A A     REDACTED REDACTED     A A                   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Debt Consolidation    
REDACTED   82902160 C A C A A A A A Closed FCRE1168 REDACTED REDACTED Resolved 1 - Information C A Credit Insurance Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided Resolved-Hazard Insurance Coverage Amount is sufficient for RCE submitted. - Due Diligence Vendor-REDACTED
Ready for Review-Document Uploaded.  - Seller-REDACTED
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED - Dwelling coverage amount of REDACTED is less than required coverage amount of REDACTED (First lien UPB $REDACTED + Second mortgage REDACTED). No replacement cost estimate in file and no Guaranteed replacement coverage on policy. - Due Diligence Vendor-REDACTED		 Ready for Review-Document Uploaded.  - Seller-REDACTED
 Resolved-Hazard Insurance Coverage Amount is sufficient for RCE submitted. - Due Diligence Vendor-REDACTED
     REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors REDACTED REDACTED Primary Residence Refinance Cash Out - Other N/A N/A