EX-99.51 52 ex99-51.htm INGLET CLIENT SUPPLEMENTAL REPORT

 

MFA 2024-NQM1 Trust ABS-15G

EXHIBIT 99.51

 

Customer Loan ID Seller Loan ID TILA Status Application Date TRID GSE HOEPA Fees TILA Fees Rate Lock Date Calculated APR Qualifying Rate Borrower Employment Indicator Co Borrower Employment Indicator Borrower Foreign National Indicator Co Borrower Foreign National Indicator Borrower 3 Foreign National Indicator Borrower 4 Foreign National Indicator Did Borrower Qualify on an ITIN Program? Did Co Borrower Qualify on an ITIN Program? Did Borrower 3 Qualify on an ITIN Program? Did Borrower 4 Qualify on an ITIN Program? Residual Income HOA Name HOA Address State Fee Amount Next Due Date HOA Payment Frequency Investor DTI QM DTI Non QM DTI Asset Depletion Flag Bank Statements Flag Number of Statements Type of Statements Percent of Income From Statements Income Doc Detail Tax Return Doc Details Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11 Months Bankruptcy 13 Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Late (30d in 12m) Prior Mortgage/Rent Late (60d in 12m) Prior Mortgage/Rent Late (90d in 12m) Guideline Name QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Non-Warrantable Condominium? Benchmark Rate HUD 1 Page 1 Credits Total Collateral Underwriter Risk Score Loan Collateral Advisor Risk Score Rating Result Eligible For Rep and Warrant Relief Per Collateral Advisor Market Trend
  47085 Non-QM / Compliant XXXX Yes XXXX     XXXX 6.865% 6.625% XXXX XXXX US Citizen US Citizen             XXXX XXXX   XXXX   Month     48.15% No No       Borrower 1 - Paystub - 2019
Borrower 1 - Paystub - 2020
Borrower 1 - W2 - 2017
Borrower 1 - W2 - 2018
Borrower 2 - W2 - 2017
Borrower 2 - W2 - 2018
Borrower 2 - Paystub - 2020
Borrower 2 - Paystub - 2019
         0       0     0     0   0 0 0 XXXX   XXXX   Yes 0.038 XXXX         Stable
  48604 Non-QM / Compliant XXXX Yes XXXX     XXXX 4.698% 6.25% XXXX   US Citizen               XXXX XXXX   XXXX   Month     42.31% No Yes 12 Business 1.00 Borrower 1 - Bank Statements - 2020
Borrower 1 - Bank Statements - 2020
 Borrower 1 - CPA Letter - 2020
       0       0     0     0   0 0 0 XXXX   XXXX   No 0.0284 XXXX         Stable
  48295 Not Covered / Exempt XXXX No XXXX     XXXX 0.0% 6.125% XXXX   US Citizen                     XXXX         0.00% No No                 0       0     0     0   0 0 0 XXXX   XXXX       XXXX         Stable
  48296 Not Covered / Exempt XXXX No XXXX       0.0% 6.875% XXXX   US Citizen                     XXXX         0.00% No No                 0       0     0     0   0 0 0 XXXX   XXXX       XXXX         Stable
  48297 Not Covered / Exempt XXXX No XXXX       0.0% 7.0% XXXX   US Citizen                     XXXX         0.00% No No                 0       0     0     0   0 0 0 XXXX   XXXX       XXXX         Stable
  48298 Not Covered / Exempt XXXX No XXXX       0.0% 7.0% XXXX   US Citizen                     XXXX         0.00% No No                 0       0     0     0   0 0 0 XXXX   XXXX       XXXX         Stable