Recovco ID	Loan #1	Loan #2	Project Name	Initial Overall Grade	Final Overall Grade	Initial Credit	Initial Value	Initial Compliance	Final Credit	Final Value	Final Compliance	Grade 3 Exceptions (Conditions / Curable)	Grade 2 Exceptions (Warnings)	Grade 1 Exceptions (Notices / Informational)	Resolved Exceptions	Waived Exceptions
2OAGLXC4GEF	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) VVOE > 10 days prior to Note date - EV R COMMENT: The file does not contain a VVOE for borrower XXX, dated within 10 business days of the note date XX/XX/XXXX This document is required and must be uploaded to the file documents.
A4XQUH5GLIQ	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	2	3	1	2	1	1	2		*** (OPEN) Missing TRID RESPA Disclosures - EV 2 COMMENT: The Cash to Close on the CCTC table on page XXX of the CD issued on XX/XX/XXXX in the LE column does not match the Estimated Cash to Close on the CCTC table (page XXX) of the revised LE issued on XX/XX/XXXX . The CD shows $XXX whereas the LE shows $XXX; these two must match. The defect can be resolved by providing a corrected PCCD and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the letter from the client stating the cash is to be used for business purpose may cure the violation	*** (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue.	*** (CURED) Stress Test - EV R COMMENT: LPA AUS submission 7 (page XXX) is obsolete. Total debts were $XXX, but documented debts are $XXX. the property located at XXX is no longer owned by the borrowers (page XXX). Excluding that PITIA results in lower total debts. The updated AUS must be uploaded to the file documents.
4XAVILNYM5V	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			* (OPEN) Property value and predominant value vary by more than 50% - EV 1 COMMENT: There is a more than a 50% variance on the predominant value. The appaisaer did address, this is small village in edge of the city. Area is popular for XXX. Large range of property ages, styles, and degrees of updating observed. Small farm houses up to large lake front homes exist. A larger price range is unavoidable due to lake front market with limited comps and homes that are less homogenous. * (OPEN) Title holder is not an individual - EV 1 COMMENT: Vesting has been confirmed and Trust XX/XX/XXXX documents are on page XXX. The full document on the trust was provided in the file and to closing. Both borrowers are the members of the Trust.	*** (CURED) Right to receive copy of appraisal is Missing - EV R COMMENT: The Right to Receive copy of appraisal report/ Waiver of required waiting Periods document is not executed by the borrowers. It is not signed or dated at bottom. nor is any option chosen. The appraisal report was not received at least 3- business days prior to consummation. The file did not contain evidence showing the consumer(s) waived the right. This is a non executed document.
JUI4KXQHY4R	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) Title holder is not an individual - EV 1 COMMENT: The original Trust documents copies were provided in the file. Refer to pages XXX-XXX and XXX-XXX. Trust dated XX/XX/XXXX amended-XX/XX/XXXX. The title work reflected correct vesting in its preliminary report for the property.	*** (CURED) Right to receive copy of appraisal is Missing - EV R COMMENT: The Right to Receive a Copy of the Appraisal Disclosure: The Right to Receive a copy of the Appraisal doc could not be determined if it was provided to the consumer within 3 business days of application. It was not signed or dated by the borrowers.
NRWCUG3434X	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) Title holder is not an individual - EV 1 COMMENT: The property is in a Family Trust dated XX/XX/XXXX. The certification of the Trust info is on pages XXX, XXX and additional documentation on pages XXX-XXX.	* (CURED) Right to receive copy of appraisal is Missing - EV R COMMENT: The appraisal report was not received at least 3- business days prior to consummation. The file did not contain evidence showing the consumer(s) waived the right. * (CURED) VOM or VOR missing/required - EV R COMMENT: There is not a legible credit report to ascertain the housing history or other credit histories.
ITC0IXA1ZKG	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Right to receive copy of appraisal is Missing - EV R COMMENT: The appraisal report was not received at least 3- business days prior to consummation. The file did not contain evidence showing the consumer(s) waived the right. The document in the file is a non executed document.
YGMFNHYBZBJ	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) Property value and predominant value vary by more than 50% - EV 1 COMMENT: The predominant value is more than 50% variance, but the appraiser addressed the issue. It is stated no marketability issues noted and isn't considered to be an over-improvement for the market area. This is in a rural area.	*** (CURED) Right to receive copy of appraisal is Missing - EV R COMMENT: The appraisal report was not received at least 3- business days prior to consummation. The file did not contain evidence showing the consumer(s) waived the right.
UCI0SV1E2NQ	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Right to receive copy of appraisal is Missing - EV R COMMENT: The appraisal report was not received at least 3- business days prior to consummation. The file did not contain evidence showing the consumer(s) waived the right.
CJDOTZL5NVL	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Right to receive copy of appraisal is Missing - EV R COMMENT: The appraisal report was not received at least 3- business days prior to consummation. The file did not contain evidence showing the consumer(s) waived the right.
MYU15UZPYHD	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			* (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No Issue. * (OPEN) ComplianceEase Risk Indicator is "Moderate" - EV 1 COMMENT: Violation addressed under another category. *** (OPEN) ComplianceEase State Regulations Test Failed - EV 1 COMMENT: License violation, out of scope.	*** (CURED) Right to receive copy of appraisal is Missing - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
2FKDJUMIENF	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: Underwriter comments, page XX, indicate subject loan is closing simultaneously with refinance of primary and using lower primary housing payment. Documentation from primary refi not located in file. Additionally, the loan application confirms the borrower owns an additional rental property located at XXX. The file contains a letter of explanation located on page XXX confirming the property is owned free and clear and evidence of taxes and insurance would be provided. The file did not include taxes and insurance for the rental property to accurately document the rental income.
EMCCINV1ZRC	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: The Right to Receive a Copy of the Appraisal Disclosure was in the file, but not signed bu borrowers (Pg. XXX). I believe there is another one on page XXX, which I am unable to view.
WW05EVFGLIH	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: The Right to Receive a Copy of the Appraisal Disclosure was in the file (Pg. XXX) but not signed by borrowers. I believe there is another on Pg. XXX that I cannot view.
NWBI5IMFXLT	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: The Right to Receive a Copy of the Appraisal Disclosure was in the file (Pg. XXX), but not signed by borrowers. I believe there is another copy (Pg. XXX) , but am unable to view this page.
HZ1WJVXEAQ0	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Missing Documentation - EV R COMMENT: The Right to Receive a Copy of the Appraisal Disclosure was in the file (Pg. XXX) but not signed by the borrowers. * (CURED) Missing Doc - EV R COMMENT: Missing condo questionnaire.
WWXCOEQIUVT	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: The Right to Receive a Copy of the Appraisal Disclosure was in the file (Pg. XXX) but not signed by borrower.
TD0JKHKGN40	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue.	*** (CURED) Missing Documentation - EV R COMMENT: The loan was approved with rental income to offset the payments of three additional rental properties. The file included the tax returns to document rental income/loss and the mortgage statements which confirmed the mortgages did not include the escrow payments. The file is missing evidence of the taxes, insurance and HOA for the rental properties and the borrowers primary residence.
2FTLXAXSYHZ	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Missing Documentation - EV R COMMENT: The loan application reflects the borrower refinanced the borrowers primary residence with same lender. The new payment was used to calculate the housing DTI of 18.1%; however, the documentation to confirm the new payment was not provided. * (CURED) Missing Documentation - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
SBZEYLNYSVR	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Missing Documentation - EV R COMMENT: The loan application located on page XXX reflects the bororwer has a mortgage for his primary residence. A total payment of $XXX was included in the DTI for the borrowers primary residence. The file includes the mortgage statement which confirms the morrtgage does not include escrows. The file does not include evidence of the borrowers primary residence taxes and homeowners insurance. * (CURED) Missing Doc - EV R COMMENT: The loan application located on page XXX confirms the bororwer is a non resident. The file did not include the borrowers legal residency documentation.
NOZZKKYQDWG	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: The final loan application located on page XX confirms the borrower owns 6 properties. The file included a mortgage statement located on page XXX with XXX, acct ending #XXX for a property located at XXX which is the borrowers primary residence, reflecting a payment of $XXX. The final loan application reflects a payment of $XXX for borrowers primary residence. Additionally, the file did not include the mortgage statement for each rental property reflected on the loan application to confirm the mortgage payments include the taxes and insurance. The file does include the tax returns for 2019 and 2018; however, the properties are not reflected on the returns.
DR5UODTUTBH	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Missing Documentation - EV R COMMENT: The file is missing evidence of monthly obligations for primary residence, a statement from the lender is not in file. Figures were taken from 1003. The file is missing evidence of monthly obligations for additional rental property at XXXX, a statement from the lender was not in file. Figures taken from 1003. * (CURED) DTI > 60% - EV R COMMENT: The DTI was outside of guidelines at 62%. The subject is an investment property and the borrower owns an additional investment property. The loan file does not contain tax returns to validate the income or loss from these rental properties and the addition of the full PITI's push the DTI over the 49% that was approved per the AUS LP. The DTI at 62% includes the grossing up of the two Social Security incomes as per FHLMC guidelines at 115% without proof they are non taxable. * (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R COMMENT: The DTI was outside of guidelines at 62%. The subject is an investment property and the borrower owns an additional investment property. The loan file does not contain tax returns to validate the income or loss from these rental properties and the addition of the full PITI's push the DTI over the 49% that was approved per the AUS LP. The DTI at 62% includes the grossing up of the two Social Security incomes as per FHLMC guidelines at 115% without proof they are non taxable. * (CURED) DTI/Residual income outside of guidelines (ATR) - EV R COMMENT: The DTI was outside of guidelines at 62%. The subject is an investment property and the borrower owns an additional investment property. The loan file does not contain tax returns to validate the income or loss from these rental properties and the addition of the full PITI's push the DTI over the 49% that was approved per the AUS LP. The DTI at 62% includes the grossing up of the two Social Security incomes as per FHLMC guidelines at 115% without proof they are non taxable. *** (CURED) Missing Documentation - EV R COMMENT: The Right to Receive a Copy of the Appraisal Disclosure was in the file (Pg. XXX) but not signed by the borrowers. The file did not contain proof of receipt of the appraisal within 3 days as required.
XHMZZIROFFK	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) Property value and predominant value vary by more than 50% - EV 1 COMMENT: The subject development is in the lower range of property values in the local market. No detriment to value or marketability is noted.	*** (CURED) Missing Documentation - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
5OOD2BKV1C0	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Missing Documentation - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. * (CURED) Missing Documentation - EV R COMMENT: Missing documentation to confirm the PITI for the Atlanta property (Pg XXX). * (CURED) Transmittal (1008) is Missing - EV R COMMENT: Missing the 1008 transmittal summary. * (CURED) Validation of primary residence - Missing - EV R COMMENT: Missing HOI evidence of insurance for Park, review payment for HOI based on the final 1003 (Pg XXX).
NQYIFG0TIDV	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
SAGMQCSCTPD	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
MAPTLFXLTI4	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Missing Documentation - EV R COMMENT: The borrowers purchased a new primary residence. A copy of the note and CD were not located in the loan file as required. * (CURED) Missing Documentation - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. * (CURED) Income documentation does not meet guidelines - EV R COMMENT: 1. A copy current lease for the subject property is not in the file, documented the subject property is currently leased; 2. The borrower's 2020 tax return(s) is/are not in the file; and/nor the 2020 year-end P&L statement for the borrower's business is also not in the file; the business was formed during 2018 (page XXX); 2 most recent years personal/business tax returns are required. Unable to accurately calculate income for the subject loan, in the absence of these documents. * (CURED) Missing Doc - EV R COMMENT: 1. The taxes and insurance are not documented on for the borrower's primary residence; XXX CO. 2. No evidence in file that XXXloan $XXX/month payment, $XXX balance is paid-off; that debt payment remains in DTI ratio calculation.
D31F2HSET32	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) Title holder is not an individual - EV 1 COMMENT: The Trust certificate and agreement documentation was provided in the loan file, Trust dated XX/XX/XXXX in borrowers' names. Pages XXX-XXX. Vesting from commitment indicates the Trust.	*** (CURED) Missing Documentation - EV R COMMENT: The AUS located on page 106 reflects rental income was used to offset the payment for the subject property, resulting in subject negative cash flow of $XXX. Item #23 requires a comparable rent schedule on Form 1007 unless the borrower borrower is being qualified for the entire payment. The file did not include the 1007 to document the current rent of market rent. Additionally, Schedule E tax returns were not provided to document the monthly rent.
L4KJIW1JXX4	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Missing Documentation - EV R COMMENT: The AUS located on page 102 confirms the subject property is a detached PUD with a monthly HOA fee of $140. The file is missing documentation to confirm the HOA fee of $140 monthly. * (CURED) Missing Documentation - EV R COMMENT: The AUS located on page 102 requires the lender to Perform and document a verbal verification of employment for each borrower. For all borrowers who are not Self-Employed no more than 10 business days prior to the note date. The file includes a verbal verification of employment located on page XXX dated XX/XX/XXXX. The note is dated XX/XX/XXXX. The file did not include a verification of employment dated within 10 days of closing.
PLDRSNILX2Z	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Missing Documentation - EV R COMMENT: The AUS located on XX, item CZ requires a 10 day pre closing verification for each source of employmnet income used to qualify. The file includes a written verification of employmnet located on page XX dated XX/XX/XXX. The note is date XX/XX/XXX * (CURED) Missing credit report - EV R COMMENT: Credit report is in the file (Pg. XXX), but is not readable due to fonts.
LNYAHYLZB1W	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: Sale Purchase Contract was missing validating purchase price of $XXX
44LZWK5E3PD	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: Right to Receive Copy of Appraisal is in the file (Pg. XXX), but is not signed by borrowers. I believe there is another copy on page XXX, but am unable to view this document.
XBLHOYAU4VC	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) Mortgage history for primary residence less than 12 months - EV 1 COMMENT: Primary residence is owned free & clear. Borrowers opened a line of credit 9 mos ago.	*** (CURED) Missing Documentation - EV R COMMENT: Right to Receive Copy of Appraisal is in the file (Pg. XXX), but is not signed by the borrowers. I believe there is another copy on page XXX, but I am unable to view this page.
1CC53JPCRPI	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: Right to Receive Copy of Appraisal is in the file (Pg. XXX), but is not signed by the borrower. I believe there is another copy on page XXX, but I am unable to view this page.
JEPTQCQUCWZ	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: Missing previous year W2 (2020) for co-borrower as required by AUS. Loan file did not contain a 2020 year end paystub either.
EDBUGD1UCLC	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Missing Documentation - EV R COMMENT: Missing most recent AUS. AUS in file (Pg. XXX) is datedXX/XX/XXX. Note date isXX/XX/XXX. Audit figures are in line with 1008. * (CURED) Missing Doc - EV R COMMENT: Right to Receive Copy of Appraisal is not in the file.
ZQ10DH0CEGI	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No Issue.	*** (CURED) Missing Documentation - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation
N4E5SJYOCAF	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) Amount of title insurance is less than mortgage amount - EV 1 COMMENT: No issue	*** (CURED) Missing Documentation - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
AYI5CZXNWSU	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
0UG5F4LAUWR	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Missing Documentation - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. * (CURED) Missing Doc - EV R COMMENT: The file does not include a recent mortgage statement for the primary residence, XXXXX, itemizing taxes and insurance, or a copy of the tax statement and hazard insurance declarations for this property. These required documents must be uploaded to the file documents.
IJVTD1FWI5V	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Documentation - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
LEBQR1VEZPP	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Missing Documentation - EV R COMMENT: Employment verification per the AUS states "XXX's submitted XXX income of $XXX was assessed using the XX report. This report dated 3/XX/2021 expires 6/XX/2021 and must be retained in the loan file. No further documentation is required for this income." The only XXX report in the file is dated 12/XX/20, the loan file also contains a Work # 1/XX/2021. The XX report identified in the AUS dated 3/XX/2021 is missing from the loan file. * (CURED) Missing Doc - EV R COMMENT: Missing VVOE dated within 10 days of Note date.
2CGVQFEDTGT	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Missing Documentation - EV R COMMENT: Borrower purchased investment property XXXX, Purchase Contract page XX dated XX/XX/XXXX. Closing Documents not located in file. Lender indicates Loan Depot loan #XXX, $XX balance, $1501 PITI. See 1003, 1008, U/W Income/Debt Worksheet page XX, U/W Analysis page XX. * (CURED) Evidence of Appraisal delivery - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
ORMZZZ5X4JK	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Doc - EV R COMMENT: Right to Receive Copy of Appraisal is in the file Pg. XX), but is not signed by the borrower.
IW3F2PHF1S0	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Doc - EV R COMMENT: Right to Receive Copy of Appraisal is in the file (Pg. XXX), but is not signed by the borrowers. I believe there is another copy on page XX, but I am unable to view this document.
OZJE0AZ5CLX	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue.	* (CURED) Missing Doc - EV R COMMENT: Missing final signed Closing Disclosure. * (CURED) Missing TRID RESPA Disclosures - EV R COMMENT: The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD.
CCTRH3Y02M5	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Doc - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation
YFLCMQPOM3M	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Doc - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
5HTMCQYRVDS	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing Doc - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
EMHXEEKTPDK	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Missing AUS - EV R COMMENT: The DU AUS located on page XX is dated XX/XX/XXX and the loan closed XX/XX/XXX There is not a prior-to-close AUS in the provided loan file. The days' differnce is 13 days or 11 business days.
IRDPRPMWDTN	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Hazard Insurance - EV R COMMENT: The file includes evidence of insurance for the subject property located on page XXX; however, the policy expiration date is XX/XX/XXX prior to the subject closing. The file did not include the updated policy.
PZ4DFFA5HZV	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) Property value and predominant value vary by more than 50% - EV 1 COMMENT: Appraisal predominant value was $XXX (Pg XXX).	* (CURED) Evidence of Appraisal delivery - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. * (CURED) Unable to verify PITI on other mortgage related obligations (ATR) - EV R COMMENT: The loan file XXX (Pg XXX) reflected the XXX property disclosed on the final 1003 (Pg XXX); however, the report also documented a $XXX mortgage opened on XX/XX/XXXX that was not disclosed and did not appear on the credit report (Pg XXX). Additionally, the XXX (Pg XXX-XXX) reflected an additional XXX property that was not disclosed on the final 1003 (Pg XXX) with a $XXX mortgage opened XX/XX/XXX Missing documentation to exclude the XXX properties mortgages.
4L1G4LRQ3BU	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	1	1	3	1	1	1			*** (OPEN) Mortgage history for primary residence less than 12 months - EV 1 COMMENT: The mortgage paid by the subject transaction on XX/XX/XXXX (Pg XXX) was originated on XX/XX/XXXX (Pg XXX).	*** (CURED) Evidence of Appraisal delivery - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
E3LG552SV51	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	1	1	3	1	1	1			*** (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue.	*** (CURED) Evidence of Appraisal delivery - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
WB1P4LAIJT1	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) Application Missing - EV 1 COMMENT: Final signed application not located in file. 2 Applications located, page XX and page XX, both are e-signed XX/XX/XXXX.	*** (CURED) Evidence of Appraisal delivery - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
V35PJ5AAOHA	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Evidence of Appraisal delivery - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
L2GUN2P3TK0	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	1	1	3	1	1	1				*** (CURED) Evidence of Appraisal delivery - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
UVL50JNZ4DS	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Evidence of Appraisal delivery - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
THYILSFBP44	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Evidence of Appraisal delivery - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
53D0REWIKZP	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Evidence of Appraisal delivery - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. * (CURED) Income documentation does not meet guidelines - EV R COMMENT: The file does not include a 2020 year-end Profit and Loss Statement for the borrower. AUS required current year YTD P & L.
1JRYHKKS51A	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	3	1	1	1				* (CURED) Evidence of Appraisal delivery - EV R COMMENT: Evidence that the appraisal report was provided timely is missing: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. * (CURED) Missing Doc - EV R COMMENT: The subject is a condo, the condo questionnaire is not in the loan file for review.
2ZGLI10BRGU	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R COMMENT: The orignation underwriter used $XXX in other income. The rental worksheet located on page XXX reflects rental income of $XXX was calculated; however, the total expenses factor was not included on the worksheet. Adding the expense results in a total rental income of $XXX. The orignator used total income $XXX, audit income is $XXX increasing the DTI to 36.657% from 31.99%. * (CURED) Documentation Does Not Support - EV R COMMENT: Closing Worksheet, page XXX, stated, "The findings used in underwriting the subject loan file was the Freddie Mac LPA Eligibility Certificate XXX for Lender #XXX with submission #7 run on XX/XX/XXX XX:XX:XX. Resubmit the file if updated LPA findings are obtained." LP located in file, page XXX, submission #9, reflects XX/XX/XXX Submission Date, 10 days after loan funded.
ALJYTWSRYR3	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R COMMENT: The loan was approved AUS DU with a DTI of 22%. The DTI at the time of review is 27.2% - this exceeds the 3% allowance. It appears that the DTI is higher due to the rental property on the borrower scheduled of RE - XXX. The REO lists rental income to offset the payment; however the loan file did not contain the tax returns for 2020 or 2019 to show the income received. With this debt added fully into the DTI the DTI exceeds the loan approval. The subject which is also a rental did not contain a Comparable Rent Schedule to offset the new payment either. Co borrowers bonus income should take previous years bonus into consideration which results in a lower bonus income for qualification. * (CURED) DTI/Residual income outside of guidelines (ATR) - EV R COMMENT: The loan was approved AUS DU with a DTI of 22%. The DTI at the time of review is 27.2% - this exceeds the 3% allowance. It appears that the DTI is higher due to the rental property on the borrower scheduled of XXX. The REO lists rental income to offset the payment; however the loan file did not contain the tax returns for 2020 or 2019 to show the income received. With this debt added fully into the DTI the DTI exceeds the loan approval. The subject which is also a rental did not contain a Comparable Rent Schedule to offset the new payment either. Co borrowers bonus income should take previous years bonus into consideration which results in a lower bonus income for qualification. *** (CURED) Evidence of Appraisal delivery - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
MPJIXNJLZ5T	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R COMMENT: Review 51.501% DTI was higher than the 39.537% origination DTI due to higher REO rent loss and Missing documentation to calculated primary and REO debt obligations. Missing documentation to evidence the mortgage xXXX is paid current through 02/XX/2021 (Pg XX). Missing documentation to evidence mortgage payment amount and history for XXXXX property. There was a 1008 in the file for an REO property other than the subject (Pg XX), it would appear the additional XXX property was being refinance, terms for this new refinance loan were not provided. * (CURED) DTI/Residual income outside of guidelines (ATR) - EV R COMMENT: Review 51.501% DTI was higher than the 39.537% origination DTI due to higher REO rent loss and Missing documentation to calculated primary and REO debt obligations. Missing documentation to evidence the mortgage xXXX is paid current through 02/XX/2021 (Pg XX). Missing documentation to evidence mortgage payment amount and history for XXXXX property. There was a 1008 in the file for an REO property other than the subject (Pg XX), it would appear the additional XXX property was being refinance, terms for this new refinance loan were not provided. * (CURED) Unable to verify all credit obligations (ATR) - EV R COMMENT: Missing documentation to calculated primary and REO debt obligations. Missing documentation to evidence the mortgage x5197 is paid current through 02/XX/2021 (Pg XX). Missing documentation to evidence mortgage payment amount and history for XXXXX property. There was a 1008 in the file for an REO property other than the subject (Pg XX), it would appear the additional XXX property was being refinance, terms for this new refinance loan were not provided. * (CURED) Unable to verify PITI on other mortgage related obligations (ATR) - EV R COMMENT: Missing documentation to calculated primary and REO debt obligations. Missing documentation to evidence the mortgage xXXX is paid current through 02XX/2021 (Pg XX). Missing documentation to evidence mortgage payment amount and history for XXXXX property. There was a 1008 in the file for an REO property other than the subject (Pg XX), it would appear the additional XXX property was being refinance, terms for this new refinance loan were not provided.
DROTSD0O4C2	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	3	1	1	1	1			*** (OPEN) Appraisal dated after closing - EV 1 COMMENT: The loan closed on XX/XX/XXXX with a disbursement date Of XX/XX/XXXX. The DU Approve/Eligible, page xxx, dated XX/XX/XXXX1, allowed for a PIW and was pulled within acceptable time frames.	* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R COMMENT: Primary: XXXXX. 1003/1088 in file are not accurate for Primary PITI. Primary was refinanced with XXX 2/XX/2021. Settlement Statement page XX. F Closing Disclosure, signed 2/XX/2021, disbursed 2/XX/2021, page XX. Paid off XXXXX HELOC. Note, page XX. 1003/1008 did not include this info, used XXXXX $XX, page XX, as Total Primary Housing Expenses on 1003/1008. DTI increased from 47.78% to 59.96. * (CURED) DTI/Residual income outside of guidelines (ATR) - EV R COMMENT: Primary: XXXXX. 1003/1088 in file are not accurate for Primary PITI. Primary was refinanced with XXX 2/XX/2021. Settlement Statement page XX. F Closing Disclosure, signed 2/XX/2021, disbursed 2/XX/2021, page XX. Paid off XXXXX HELOC. Note, page XX. 1003/1008 did not include this info, used XXXXX $XXX, page XX, as Total Primary Housing Expenses on 1003/1008. DTI increased from 47.78% to 59.96. *** (CURED) Unable to verify PITI on other mortgage related obligations (ATR) - EV R COMMENT: Primary: XXXXX. 1003/1088 in file are not accurate for Primary PITI. Primary was refinanced with XXX 2/XX/2021. Settlement Statement page XX. F Closing Disclosure, signed 2/XX/2021, disbursed 2/XX/2021, page XX. Paid off XXXXX HELOC. Note, page XX. 1003/1008 did not include this info, used XXXXX $XXX only, page XX, as Total Primary Housing Expenses on 1003/1008. DTI increased from 47.78% to 59.96.
MWQJSIKMORC	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) Mortgage history for primary residence less than 12 months - EV 1 COMMENT: The AUS did not require a housing history.	*** (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R COMMENT: DTI variance is due to a miscalculation of the primary residence. Original underwriter calculated the payment at $XXX (Free & Clear), but there is a mortgage statement in the file date 4/XX/21 (Pg. XXX) that shows PITI at $XXX, plus HOA (Pg. XXX) of $XXX.
JPBUXCBGJTY	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) Mortgage history for primary residence less than 12 months - EV 1 COMMENT: The AUS did not require a housing history.	* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R COMMENT: DTI discrepancy is due to rental income calculation. Original underwriter gave the borrower $XXX/mo. in rental income, however, a 2019 Sch. E in the file (Pg. XXX) reflects a monthly rental income amount of $XXX for the subject property. This results in a DTI of 52.50%. * (CURED) DTI/Residual income outside of guidelines (ATR) - EV R COMMENT: DTI discrepancy is due to rental income calculation. Original underwriter gave the borrower $XXX/mo. in rental income, however, a 2019 Sch. E in the file (Pg. XXX) reflects a monthly rental income amount of $XXX for the subject property. This results in a DTI of 52.50%. Loan was approved at 44%. *** (CURED) Missing Documentation - EV R COMMENT: Right to Receive Copy of Appraisal is in file (Pg.XXX), but is not signed by the borrower. I believe there is another copy on page XXX, but I am unable to view this document.
1ZBNBJD21AQ	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Cash reserves less than required by guidelines - EV R COMMENT: The borrower received a distribution of $XXX from a previous employer ESIP account on XX/XX/XXX (page XXX). this source account was documented with 2 previous monthly statements (pages XXX &XXX). the file contains no evidence the borrower still has these funds, either in a personal checking, savings or investment account. Nor does the file include evidence those funds were rolled-over into the borrower's current employer's ESIP account. Documentation verifying the required assets for closing and reserves is not presently in the file and is required. Copies of current statements evidencing minimum $XXX liquid assets for closing and reserves, per DU submission 11 (page XXX) are required to be uploaded to the file documents.
NEZ20ATFQNP	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	1	3	3	1	1	1				* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R COMMENT: The AUS required a Form 70 Interior/Exterior (Pg XXX); however, the appraisal in the file was on an Exterior-Only inspection Form 2055 (Pg XXX). Note, there are interior photos included in the report. (Pg XXX). * (CURED) Evidence of Appraisal delivery - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
Z5H24TYEWWY	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				*** (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R COMMENT: The AUS required a Form 1004 interior and exterior inspection (Pg XXX) and a Form 1007 rent schedule; however, the appraisal report in the file was a exterior only Form 2055 (Pg XXX). Note, the exterior subject property photos included in the appraisal report (Pg XXX) of the subject front and rear appear to be 2 different properties.
5YIFA3XC3ON	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R COMMENT: The AUS located on page XXX, item #31 requires an appraisal based on an interior and exterior inspection on Form 1004. The file included an exterior appraisal on Form 2055. * (CURED) Right to receive copy of appraisal is Missing - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
4OYDBYQNBL0	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Application Missing - EV R COMMENT: The final application is missing from the file. * (CURED) Right to receive copy of appraisal is Missing - EV R COMMENT: The appraisal report was not received at least 3- business days prior to consummation. The file did not contain evidence showing the consumer(s) waived the right. The ''Right to Receive copy of appraisal report/ Waiver of required Waiting Periods'' document is not executed by the borrowers. It is not signed or dated at bottom. nor is any option chosen.
DFU5FXV0JMF	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) Application Missing - EV R COMMENT: The file does not include copies of the initial signed and final signed 1003s. These are required documents and must be uploaded to the file. * (CURED) Missing Documentation - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
A4OAOZW5ZJE	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) Property value and predominant value vary by more than 50% - EV 1 COMMENT: The appraisal report provides the following remarks (page XXX) The subject is not an over improvement for the market. The subject's value falls above the predominant neighborhood value. This has no effect on marketability	* (CURED) Application Missing - EV R COMMENT: Final signed 1003 is not in the file documents. This required document must be uploaded to the file documents. * (CURED) Missing Documentation - EV R COMMENT: Missing evidence that the report was provided timely: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. *** (CURED) Missing Title evidence - EV R COMMENT: The file does not include a copy of the title commitment for the subject property. This required document must be uploaded to the file documents.
S0GSDL5Q3TF	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1			*** (OPEN) Title holder is not an individual - EV 1 COMMENT: The Family Trust agreement and the certification of the Trust is provided in the file and applicable on the subject transaction. Trust is dated XX/XX/XXXX	* (CURED) 1003 Application [information not provide] - EV R COMMENT: The initial application is missing from the loan file * (CURED) Right to receive copy of appraisal is Missing - EV R COMMENT: The appraisal report was not received at least 3- business days prior to consummation. The file did not contain evidence showing the consumer(s) waived the right.
JO03BBARY4U	XXXXXXXX	XXXXXXXX	XXXXXXXX	3	1	3	1	1	1	1	1				* (CURED) 1003 Application [information not provide] - EV R COMMENT: The final 1003 reflects B1 and B2 present address as the subject XXX property and the mailing address was the XXX property (Pg XXX); however, a signed Borrower letter of explanation (Pg XXXX) reflects the XXX property as the Borrower’s present primary residence. * (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: The Title Commitment in the file (Pg XXX) reflected a proposed policy amount of $XXX which was less than the subject loan amount of $XXX (Pg XXX). * (CURED) Missing Documentation - EV R COMMENT: Missing a final approval or CD from the primary residence XXX refinance transaction to verify the PITI obligation. * (CURED) Evidence of Appraisal delivery - EV R COMMENT: The file did not contain evidence that showed the consumer received a copy of the appraisal report at least 3-business days prior to consummation. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.
Z3BQ0LTJHA5	XXXXXXXX	XXXXXXXX	XXXXXXXX	2	2	1	1	2	1	1	2		*** (OPEN) Missing TRID RESPA Disclosures - EV 2 COMMENT: The Cash to Close on the CCTC table on page 3 of the CD issued onXX/XX/XXXX in the LE column does not match the Estimated Cash to Close on the CCTC table (page 2) of the revised LE issued on XX/XX/XXXX. The CD shows $XXX whereas the LE shows $XXX; these two must match. The defect can be resolved by providing a corrected PCCD and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the letter from the client stating the cash is to be used for business purpose may cure the violation	*** (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue.
VC3UZYETO2G	XXXXXXXX	XXXXXXXX	XXXXXXXX	2	2	1	1	2	1	1	2		*** (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2 COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements.	* (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue. * (OPEN) ComplianceEase Risk Indicator is "Moderate" - EV 1 COMMENT: No issue. *** (OPEN) ComplianceEase State Regulations Test Failed - EV 1 COMMENT: State license issue, out of scope.
LRT2U4PUR3H	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) Title holder is not an individual - EV 1 COMMENT: The Trust certificate documentation was provided in the loan file, Trust dated XX/XX/XXXX The preliminary title shows vested in the subject named, family Trust.
KIJKZTPRF21	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) Title holder is not an individual - EV 1 COMMENT: The property is in a family Trust (page XXX) and the certificate of Trust, is on pages XXX and XXX. Trust dated XX/XX/XXXX
MPGB1ASXVIF	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) Title holder is not an individual - EV 1 COMMENT: Borrowers signed closing documents "... individually and as Trustee of the XXX Family Trust under Trust Instrument dated XX/XX/XXXX." Trust Certification page XXX. Certification of Trustees Under Trust page XXX. Inter Vivos Revocable Trust Rider page XXX. Trust Checklist/Certification page XXX. Trust Approval page XXX.
VIGLDQFMIBY	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) Mortgage history for primary residence less than 12 months - EV 1 COMMENT: Primary residence is owned free & clear - Nothing further required.
4UV0WBN5SNZ	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) Mortgage history for primary residence less than 12 months - EV 1 COMMENT: Not required by AUS
YJN2L2IVKJN	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) Mortgage history for primary residence less than 12 months - EV 1 COMMENT: Borrowers live rent free
B1PJ5SJIWKO	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) Mortgage history for primary residence less than 12 months - EV 1 COMMENT: Borrower lives rent free - Nothing further required.
V2WDCAWQCRC	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			* (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue. * (OPEN) Mortgage history for primary residence less than 12 months - EV 1 COMMENT: Borrower purchased property on XX/XX/XXXX - CD on page XXX.
TCTF1LYY50E	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			* (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue. * (OPEN) ComplianceEase State Regulations Test Incomplete - EV 1 COMMENT: No issue.
PIKQO1ISW0S	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			* (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue. * (OPEN) ComplianceEase Risk Indicator is "Moderate" - EV 1 COMMENT: No issue. *** (OPEN) ComplianceEase State Regulations Test Failed - EV 1 COMMENT: State license issue, out of scope.
I55T5DQHHGQ	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue.
KOF1HRHPVXW	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue.
RGPFOUHKCG4	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue.
VG03UMWI2YW	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue.
FBKTG2CFICM	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue.
IDNAK4RZAJX	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No Issue.
15GU22M5YBP	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			*** (OPEN) Appraisal incomplete (missing map, layout, pages, etc) - EV 1 COMMENT: The DU located on page XXX, item #29, DU accepts the value submitted as the market value for this subject property. This loan is eligible for delivery to Fannie Mae without an appraisal. If the waiver is not exercised, an appraisal based on an interior and exterior property inspection is required for this transaction. The file includes an exterior only appraisal report located on page XXX. The file is missing an appraisal based on an interior and exterior property as required by the AUS findings.
YVKEWXMGSBV	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			* (OPEN) Amount of title insurance is less than mortgage amount - EV 1 COMMENT: the title commitment was mistyped at $XXX vs $XXX. Loan closed XX/XX/XXXX. * (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No Issue.
K4RYT3VN0KG	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			* (OPEN) Amount of title insurance is less than mortgage amount - EV 1 COMMENT: The copy of the Preliminary Title Report (page xxx) does not reflect the amount of lender coverage for the subject loan transaction. The loan closed XX/XX/XXXX * (OPEN) ComplianceEase Exceptions Test Incomplete - EV 1 COMMENT: No issue.
OEJS5FUSKFT	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1			* (OPEN) Amount of title insurance is less than mortgage amount - EV 1 COMMENT: Loan closed XX/XX/XXXX - Title insurance ($XXX) is not sufficient to cover loan amount ($XXX). * (OPEN) Mortgage history for primary residence less than 12 months - EV 1 COMMENT: Primary residence is owned Free & Clear - Nothing further required.
EWTJICK3TSK	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
QGK1Y2Q2032	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
FABM3LLPBC2	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
B2FE41NK4M0	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
T3XNYEFK4I3	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
WINOA2IZTMQ	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
IIKS2HLF24M	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
034T3ANOD2T	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
03DB5VLIRV0	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
54TTA144VJD	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
SJCR0MK5DOQ	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
KLE5RTFTCPJ	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
ZYLFHTQNLUF	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
WP1DTPH2R2H	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
LRAJ0EQMVTM	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
2X5RO0D4JRH	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
01VZOVTD2CN	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
L3BMAGEY5AZ	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
WPHQZU1NNMX	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
W1PLH3HE0IU	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
XPZTW43KC2E	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
FNVTKPDDA0U	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
5F3OZ4B532O	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
5S1ZF0XG1MM	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
5JQP3UXPB3W	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
1SH2VARFCKX	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
YNW2KDDNZL4	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
XAS23EWZ0UG	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
HM54XVJONIS	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
CAOIABWG0IF	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
XPVXX2NZLOI	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
F05N4WZMAZS	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
HNUT1YOKUMA	XXXXXXXX	XXXXXXXX	XXXXXXXX	1	1	1	1	1	1	1	1
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